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Have you ever wondered about that mysterious three-digit number on the back of your credit or debit card? You’re not alone!

This no-annual-fee card is ideal for renters looking to earn back some value on a major monthly expense. To snag significant rewards, though, you must commit to using the card for more than just rent.

The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.