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Clearly, the credit crisis has done a number to the credit card industry, making the competition become a little tougher among credit card companies. In the past, credit card holders could earn substantial rewards with the kind of programs available through companies like Visa, MasterCard, Discover Card and Citibank. Back then, you could receive significant savings from online purchases when you register your reward credit card to earn points or from a cash back credit card that credits you a cash bonus on a regular basis.