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 cent for every dollar put into. The penny as reward on paypal or credit card use could be in the contour of cash, goods, or services. It's very basically a marketing ploy with rewards encouraging credit card owners to spend more you will also remain faithful to the commercial enterprise.

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An seriously popular marketing scheme people prefer to get cards that offer incentives over cards providing no frills at every one. However, cards that have reward schemes generally have a higher APR or interest rate.

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