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Chase sapphire if yours is one of the 30 of households who carry credit cards but pays off the balance each month source. Chase freedom 0 intro apr on new purchases for the first 15 months 14 99 23 74 variable apr after 5 cash back on quarterly rotating categories up to 1 500 per quarter. Rates are effective for 10 01 2020 only and are subject to change without. Interest is compounded and credited monthly based on the daily collected balance.

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