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- 0% Intro APR on balance transfers for your first 12 billing cycles
- No Annual Fee and the flexibility to pay over time
- Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates
- Earn one point for every net retail purchase dollar
- Access to special Cardmember offers from American Express to save on shopping, dining, travel, hotels, and much more.
- Free 24/7 Concierge Service
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