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American Express, Chase and Capital One all offer credit card combinations – here's how to decide which is best for your spending style.

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Credit card rewards are paid for by issuers, which pass the bill along to consumers who are charged fees and interest for using their cards. The merchant middlemen also indirectly pay for credit card rewards by paying interchange fees, typically 1.5 to 3.5 percent of each purchase that a consumer charges to their card.

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If you have questions about cash advances and how they work, Forbes Advisor Canada explains them in this guide.