Except you don’t get schar for the mitzvah if it’s not tzedakah
Maybe not exactly schar but s/t far greater.
I once learnt that it’s the money that is given to frauds that saves you from din. When the Satan approaches God to bring din on you for sinning, an angel (maybe the one created from the Tzedaka you gave) says to God, “Why do you have to look into EVERY sin this person did? Look how he gave money to someone and didn’t bother checking into the matter to see if the man was authentic. If he can do that and not be midakdake on every specific detail, so can You.” And to this Hashem listens.