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petecldI have a friend who uses a digital camera and gets AMAZING results but he is a proferssional photographer and his camera set him back $18K. So for the rest of us I do suggest a scanner over digital cameras but there are some good low(er) cost cameras that should work with a little practice.
When I scan my cards, I scan at 300dpi at 100%. I then use photo software to resample and/or resize the image for use.