Credit cards are ever changing and now from just functioning as plastic money credit cards are offering several bonuses. The very first incentive or reward was offered in 1980 by Discover who offered "cash back" on every purchase. Now most cards have different reward schemes in place and generally offer a penny for every dollar put into. The penny as reward on financial institution use can be in the form of cash, goods, or services. It's very basically marketing and advertising ploy with rewards encouraging credit card owners invest more and in addition to remain loyal to the producer.
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With intense competition to obtain and retain customers, credit card issuers are offering a great bouquet of rewards. Today over 58% of credit card issuers are offering customer rewards that might be excess of a penny with a dollar.
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