Have cash back credit cards been beneficial to you, or does it feel more like a gimmick?

There is a wide range of credit cards that everyday people can take advantage of to get a bit of return on every purchase they make, whether for travel points, shopping rewards, or simple cash-back options.

While I do view many of the points-based credit cards as providing better returns per dollar spent, it can be difficult to gauge just how much you're getting back, making cash-back cards more appealing for their simplicity.

The simplicity of cash-back cards is tough to top! It allows users to convert rewards into cash that can be used flexibly for credit card payments, rather than being tied to specific spending categories.

Navigating a user interface to spend earned points can be a hassle, and many users find having leftover points that can’t be used immediately frustrating, favoring cash-back cards instead.

Read at 24/7 Wall St.