You use your credit card, you pay the monthly bills and the interest, but do you cash in on your rewards?

News 12’s consumer reporter Janice Lieberman has The Real Deal on why so many of us aren't taking advantage of our points.

A recent study says almost a quarter of us are not redeeming the rewards, leaving the cash on the table and free vacations by the wayside.

“I think that's a big issue because you're missing out. If you're not redeeming these points and miles, you're missing an opportunity to save money,” says Ted Rossman.

Experts say you may want to get an app that can help you track and manage accounts, which will notify you when the points are about the expire.

Award Wallet is one option. It’s free for a limited time and there is an option to upgrade to the plus program for $30 a year. It will also notify you when there is a change or delay in travel plans.

Max Rewards is another app, which tracks rewards to make sure you know when you are eligible for cash back.

The Points Guy app is also free. It tracks credit card rewards and helps to navigate awards to get the most bang for the buck.

However, cash back is often the most simple, straightforward, and universal reward.