By Liz Pulliam Weston
Years ago, credit card reward programs were simple: There werent any.
Then Discover came along with its cash-back offer, and airlines hooked up with banks to issue credit cards that earned frequent flier miles.
Today, consumers face a bewildering array of ways to earn, and spend, credit card rewards:
* A credit card can contribute to a retirement account, score theme-park tickets or knock thousands off the price of your next car.
* You can convert miles into hotel stays or restaurant meals -- or use them where you stay and eat to earn extra miles.
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