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    By Kelli B. Grant
    Senior Consumer Reporter, SmartMoney.com


    THE DECISION to sign up for a rewards program at your favorite drugstore or retailer is usually an easy one -- there's typically no cost to join and you pretty much start saving money right away.

    A membership that you have to pay for, on the other hand, requires some number-crunching first. Once you do the math, you'll soon discover that, most of the time, paying for perks rarely pays off.

    Still, there are some paid memberships that do pay for themselves -- and quickly. Here are five worth considering:

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