 TITLE: What Is a Cash Back Credit Card? CONTENT: How Does Cash Back Work on Credit Cards?\n----------------------------------------\nSome credit cards have rewards programs that earn you points or miles that can be redeemed for travel or merchandise. But if you prefer a simpler program, and more direct access to cash rewards, you're better off with a cash back card.\nCash back credit cards work by essentially giving you a rebate on your purchases. Typically, your issuer will give you the choice of how you receive the cash back: You can usually choose either to have it applied to your balance as a statement credit or as direct deposit to a checking or savings account. Some card issuers also still allow you to receive it as a check.\nDepending on your card, you may also have the option to redeem your cash back rewards for other things, such as gift cards, travel reservations or merchandise. Before you apply for a cash back card, read the terms carefully so you understand your reward redemption options. END