Credit cards are ever changing it's true from just functioning as plastic money credit cards are offering several incentives. 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 in. The penny as reward on credit card use can be in the design of cash, goods, or services. Around the globe basically a marketing ploy with rewards encouraging credit card owners devote more and to remain faithful to the organisation.

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With intense competition to get and retain customers, creditors are offering a great bouquet of rewards. Today over 58% of credit card banks are offering customer rewards that are in excess regarding your penny a new dollar.

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