Cash back isn't free money. At some retailers you can request cash back with a purchase. For example, you could buy something and get $100 cash back and so the retailer charges the cost of your purchase plus $100 to your credit card and hands you $100 in cash. Convenient if you need cash, convenient to the retailer as they don't need to deposit so much cash at the bank, but ultimately cash back is more debt that you must repay. If you are aware of this and pay off your credit cards this isn't a problem.

Continuing to make regular, on-time payments on your debts is a great way to increase your credit score. Keep doing that and your score will rise with time. My credit score could actually be better but I decided to pay off my cars early (but my credit score is in the 790s anyway).

Refinancing the truck might make sense if you are planning to take a while to pay it off. Putting some money into cash savings and working to kill your higher interest debt ahead of schedule would probably be my advice.