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The best credit card for you

On the surface, the HSBC Platinum MasterCard with Cash or Fly Rewards and the Capital One Venture card seem comparable, Consumer Reports notes. If you like to travel, you might find their pitches enticing: Both let you earn points that you can use for plane tickets. But a cardholder charging $1,500 a month would get $460 worth of points in the first year with the Capital One card and only $180 with HSBC’s card.

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