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Commissions do not affect our editors' opinions or evaluations. The best 3%+ cash-back credit cards offer 3% or more on purchases within everyday categories such as dining, groceries, gas and more.

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In 2024, the COLA was 3.4%. And in 2023, the COLA reached a historic 8.7% following a period of rampant inflation triggered in part by the economic fallout of COVID-19. Here are previous adjustments.

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