Plastic that pays off--big.

Discusses how credit card issuers are pitching new rebates and low interest rates as they scramble for business. How battle heated up with the entrance of nonbank companies into the market, most notably General Motors with a no-annual-fee MasterCard that offers a 5% rebate toward a car or truck; Flood of creative plastic that won't be stanched anytime soon; How perks differ from those of past years; Examples of offerings. INSET: Got a spotty credit record? (secured cards), by M.M..