 TITLE: Do Cash Back or Travel Rewards Offer the Most Value? CONTENT: How Rewards Credit Cards Work\n-----------------------------\nRewards credit cards work like non-rewards cards for the most part, but they offer extra value when you use your card for eligible purchases. Plus, many rewards cards come with additional benefits, such as statement credits that can offset certain purchases and cardholder perks that can make travel more pleasant and less expensive.\nThe trade-off is that rewards cards often have higher annual percentage rates (APRs) than non-rewards cards. If you don't habitually pay your bill in full every month or if you use credit cards for cash advances, consider looking for a non-rewards, low-rate card instead. If you pay your bill in full or keep balances very low, then learn about how rewards credit cards work so you can make an educated choice on what type is best for you. END