There are all kinds of credit cards with cash back offers, but not all cash back and rewards credit cards are equally useful for everyone. Whether the cash back cards are worth it really depends on you and the cash rewards that are most valuable to you. The highest cash back credit card is going to be the one that gives you the most cash back rewards on the types of purchases that you’re going to make with the card. Also look at what the redemption terms are for your rewards—are they easy to redeem and can you use them when and how you want? As with all credit cards, whether they are cash back credit cards or not, you also want to consider whether there is an annual fee that you have to pay each year, and what interest rate you might pay on purchases, transactions or balance transfers.