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I have a stupid AOL VISA with like a million points saved up. I could have free AOL dial-up until the day I die but obviously I don't need dial-up anymore. The only reason I still use the card is it has a low fixed rate that I locked in years ago and it has the highest spending limit of any card I've ever owned. It seems like any card with decent rewards either has a variable rate or a high fixed rate.
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