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Whether a particular card is the best to have or not depends on your needs. For many borrowers the AMEX Gold might very well be the most suitable mix of fees, limit, and perks. Others may need less perks in exchange for lower fees, while some might need even more benefits from their card- the AMEX Platinum and Chase Palladium are some cards that come to mind. The best card for you is the one that satisfies your needs for that specific type of card.

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