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For me, even when buying things like new computers, it will cost 3%-5% more if I use a card.

The dominance of cards is mostly American or, at the very least, location-dependent.

where as I feel I pay 2-5% less when using a card. Target and Amazon are both 5% off using the right card, vs 2% on a generic cash back card. Gas is 4% off on the costco card.

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