<prompt> Human: When I first read about the card it sounded awesome, 6 cash back on groceries and 3 back on gas! but then I realized this isnt directly in the form of cash, and that makes the 95 annual fee maybe not worth it. Can I still cancel the card and not have to pay the fee? Did it hurt my credit for taking out this card?  <response>: Um, it IS in the form of cash.You redeem it as cashback, and pay your bill with it. 