Visa and Mastercard introduce artificial intelligence to automate card spending. But some alternatives may already exist.

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Our opinions are our own. All told, this card is a solid and affordable option for those wanting to build or mend their credit history with little risk of getting into debt trouble.

Costco loyalists can rack up some nice rewards with this card, but you'll only be able to redeem them once a year — and you'll have to go to a physical Costco store to do it.