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When savvy consumers find a great credit card that allows them to accumulate points or earn cash back from their issuer, they look for every reasonable opportunity to get the most out of this benefit—at the grocery store, at the gas station, at restaurants, and wherever they shop. Some people are even more creative, using their cards to pay for home renovations, college tuition, or even a tax bill from the IRS. When you are being rewarded for using your credit card, every dollar counts.

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