Inc. and Barclaycard US have introduced a cobranded card that lets cardholders use rewards points as soon as two days after earning them — including toward the credit card bill with the same charges that earned the points.

This differs from many other reward programs, which either require cardholders to wait to earn certain levels of points or for monthly billing cycles to end before redemption. Most programs typically do not allow points to be used toward the same purchases for which they earned the points.

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