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If you frequent the same stores for the majority of your purchases, an in-store credit card could be much more beneficial than a general rewards credit card. Many companies like Lowe’s, Target, and Gap offer store-branded cards that reward you with 5% off for shopping in their stores. These cards are available to everyone regardless of credit score and have no annual fee. As long as you pay the card balance on time, you’re getting a discount on all of your purchases!

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