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A good alternative for you can be the Discover it® Cash Back credit card. It will reward you with 1% cash back on all purchases, Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.. As for fees, there is no annual fee and no interest rate on purchases and balance transfers for 15 months (17.24% - 28.24% Variable APR after that). Discover cards are accepted worldwide everywhere you see Discover logo.