Logan82,
With a deep concrete element, which footings often are, the concrete will continue to consolidate/settle until it hardens. This is especially true when compactive effort is lacking, another thing which unfortunately is often true with footings without an appropriate degree of placement supervision. If there is a top layer of reinforcement, supported off the bottom layer, the top surface of the plastic concrete can move down relative to the bars, this creating cracks over the bars. Where the top reinforcement is structurally required to be there, this plastic cracking can be avoided by adequate compaction and/or recompaction with vibration. But if the reinforcement is just along for the ride in the compression zone, it is best omitted to avoid the issue altogether.