I personally don't use credit cards, so it's hard for me to answer your question.  Some people will use their reward points for airline trips or vacations, while others convert their reward points to cash back.  (If you use the cash back option, take that cash back and apply it to your bill.  Interest is calculated on the daily balance, so this will bring it down.)

I will give you a heads up on those rewards cards--the credit card company doesn't pay for those rewards!  You do--check the interest rate on those cards; generally they are higher than the non reward cards.  The best thing to do is pay off your card in full each month so you have no interest and can still use your reward points; then you know the card company is paying for your rewards, not you!