<prompt> Human: Right now I have about 800 on my credit card Chase Freedom - it was higher but I just put 250 down. I get I believe 1 points for everything and 5 for certain promotional expenditures this cycle is gas stations and Kohls.But Im getting points that can be used for gift cards. My interest rate is 12.99. Is there a card that gives ACTUAL cash back and reinvest it against your principle? Kind of like a credit card dividend? I also have a Dicks Sporting Goods credit card if that even matters with about 100 or less on it.  <response>: Stop using a credit card if youre carrying a balance on it. Focus on paying off your balance in full, instead of a minor difference between gift card and cash dividend. While there are cards that do offer actual cash back, paying interest associated with carrying a balance is your real problem. 