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Credit cards come in various categories to suit different needs. Rewards cards offer points, miles, or cash back for purchases, while cash back cards focus specifically on returning a percentage of spending as cash. Travel cards provide perks like airline miles, hotel rewards, and no foreign transaction fees. Balance transfer cards help consolidate debt with low or 0% introductory APR. Low-interest cards offer reduced APR for purchases or balances. Secured cards are designed for building credit, requiring a deposit as collateral. Business cards cater to business expenses with rewards and tools, while student cards are beginner-friendly for those with limited credit history. Premium cards deliver luxury perks, such as travel credits and concierge services, for higher fees.

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