Do I have to pay taxes on credit card rewards?

I may already be paying some fees to the credit card company or interest for which I am not really getting any tax break. So if the credit card gives me some rewards, or cash back…its just like they are giving me discount on money I am already paying them. It shouldn't be thought of as extra income on which I need to pay state and federal taxes.

Nope. Any discounts you get from credit cards are part of the contract between you and the credit card company. They're considered "incentives," not income.