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If your definition of wise credit card usage includes “paying it off every month,” then why not get 1% cash back while you are at it? According to Modest Money, Discover “It” (United States) and MasterCard “Smart Cash” (Canada) are the two best cards for doing just that. Enjoy the benefits of using a credit card without the fees.

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About the author: Taylor


Taylor Brown is the founder of He has paid down 90% of his credit card debt through smart budgeting, frugal-living, and inspiration/support from other personal finance bloggers.


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