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The Amex Everyday card is fee-free and offers, with 5% intro cashback (up to ǣ100) and 1.25% cashback after 3 months. It is paid out once a year, but requires a ǣ3,000 spend every year. On the other hand, the Capital One Aspire World card offers up to 1.25% cashback, paid out every year, but requires no minimum spend. They both have an APR of 19.9% and a minimum income of ǣ20,000 annually.

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