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?
And he says nobody else can tell you how to spend your cash.
"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."