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Do you know if they either (1) have an annual fee, or (2) have a low limit on total yearly refund?

Annual Fee - no, none, zero, nada.
Limit on yearly refund - The citibank card has a $300 limit. However, if one is married, one's spouse can have their own account and get the $300 as well
(Note to B+C: it looks like the AT&T Universal Card clone of the Citibank card is no longer available for new people).

I forget what limit, if any, there is on the Amex card.

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