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This is a great question that shows you're really thinking about how to squeeze the most value from your credit card and make it work for you. The first thing to consider is, how much will the membership discount be worth? It can seem like a great idea to get a percentage off your membership fee, but it's possible that another card can bring you even greater value. You have to look at the monetary value of each reward you might earn. Things like savings on gas, reimbursements for travel expenses on your statement, and cash back for purchases in select categories can be worth a lot. On the other hand, the co-branded card that gives you a percentage discount off membership could be the card you really want. Take some time to explore all your options before diving in and applying.