Credit card reward points sure SOUND good.
But KRMG's Consumer Warrior Clark Howard says a new survey shows that, because some cards make it so tough to redeem points, one-third of all reward points never even get used.
"My favorite reward is CASH," he says. "The best cash reward card in America: The Fidelity Investments Rewards Card, it gives you two percent cash back on EVERYTHING."
And he says nobody else can tell you how to spend your cash.