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This is a super card........the airport lounge priveliges are as good as the amex platinum which has a $500 annual fee.
I was upgraded from the basic world card an offered a life time exemption of tthe annual fee regardless of how much I charge annually.
The cash advance interest fee is the same 4.5% annual rate a s the purchases.......totally unheard of by any other card...this is a must have card for everyone.........