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Our Quick Review
This card recently added new perks, and with those comes a big welcome offer. Between the automatic elite status and using the card to pay at IHG hotels, you can receive up to 26 points per dollar. That's on top of perks like baggage protections and trip cancellation. The value of "4th night free" and an annual free night can't be overstated. This card provides much more than $99 in annual value.
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