KRMG's Clark Howard says best credit card reward is CASH

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.

His advice?

"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.