Cash Back or Rewards

Get the cash back. You can always use it to buy the same reward you would have gotten, but probably for less than the reward would have cost. Or better yet, get something that is NOT offered in the rewards. I use my cash back card in place of my debit card. I buy groceries, gas and all those things. Then I back it back in full every couple of weeks. That way I get no finance charges for carrying a balance. It also helps build up your rewards/cash back. Bet you thought you would never get a response to this.