By multicard reward programs more choice is given to consumers, but at a cost.
Before the recession, credit cardholders were happy to collect points just in order to get free gas or airline tickets.
Today, the situation is different, however, consumers are willing to pick and choose where they want to spend their points, and this freedom of choice is given to them by many issuers.
Membership to more broad-based rewards “platforms” are being offered by Credit cards, on which consumers have several ways to earn points that can be exchange for cash or consumers might trade in them for merchandise in multiple categories.