 TITLE: Do Cash Back or Travel Rewards Offer the Most Value? CONTENT: When to Get a Cash Back Credit Card\n-----------------------------------\nCash back credit cards offer cash rewards and may be best if:\n*   You want a simple rewards program.\n*   You don't want any limits on how you'll use rewards.\n*   You want to avoid annual fees.\nDepending on the card and program, you may get your rewards as a statement credit, check or transfer to a bank account. With some cards, you'll need to accrue a certain dollar amount in rewards (such as $25) before you can withdraw the cash.\nCash back cards are often easy to understand and use because you know exactly how much the rewards are worth. And although some cash back cards have annual fees, the fees tend to be lower than travel rewards cards' annual fees. END