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Ding ding ding!

Here's a random credit card from American Express. Cash advances have a drastically higher interest rate, PLUS a 3% (minimum $5) transaction fee.

https://www.americanexpress.com/us/credit-cards/card-applica...

Same pattern for Chase Sapphire Preferred. Higher APR and this time a 5% (minimum $10) transaction fee.

https://applynow.chase.com/FlexAppWeb/pricing.do?card=FS6K&p...




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