I definitely agree that cards requiring "excellent" credit most always have the best perks, as there is less liability involved. As someone who had credit problems in the past, I do not recall any of the "so-so' cards having lucrative rewards programs (in fact, most offered no points and involved paying high annual maintenance fees). After re-building my credit and responding to an offer for the Chase Sapphire card in the mail, I gained approval and access to some of the best benefits on the market! I now use my card for nearly all purchases and pay it off in full each billing cycle.
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