Regular Contributor
Posts: 177
Registered: ‎12-16-2011


Has anyone signed up for this?


I'm curious if it's worthwhile or not.


Here is the article that brought me to it:

In my wallet:
Discover More / Chase Amazon / Chase Freedom /Chase Business Ink / Chase Slate / Capital One Cash Rewards / Walmart Discover / Kohls / JCPenny / Home Depot / Art Van

Experian Direct PLUS scores: Experian 744/ Equifax 763/ TU 744
Established Contributor
Posts: 711
Registered: ‎06-23-2010

Re: SmarterBucks

Though i tend to like the idea, I wonder if it would be a better kickback using a cashback credit card that allows you to gain a higher percentage.  Of course there would be more discipline needed with using a credit card because you would have to make sure that you don't carry a balance and make sure to apply that cash back to the student loans, but it has worked okay for me so far.  Oh, and the cash back card would need not to have an annual fee.  I am usually able to push about an extra $500 a year to my student loans.  I mean, it's in no way paying off a student loan, but hey, it's a nice chunk of change.

Starting Score: Eq: 662 Tu: 532 (03/02/2011) CH7BK 01/12/2009 Discharge
Current Score: Eq: 692 (04/03/2013) Tu: 717 (04/03/2013)
Goal Score: Eq: 720 Tu: 740

Wallet: Chartway Visa 10k | AMEX Costco TE (AU) 25k | Cap One MC 750 | Cap One Visa 750
Regular Contributor
Posts: 136
Registered: ‎02-06-2009

Re: SmarterBucks

Any updates on this topic?? I just found out about SmarterBucks about 2 months ago.  OP, did you sign up?  Was it worth it?

NFCU Cash Rewards: $14,000/FNBO Platinum: $3,600/Best Buy Cap 1: $2,500/Care Credit $7,600/TJ Maxx $600

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

Mega Contributor
Posts: 18,593
Registered: ‎10-23-2007

Re: SmarterBucks

This use to be UPromise and it still maybe but it's been around for ever and ever, and unless they have changed the whole line up now as another poster stated, a good rewards card will get you much father, which Im sorry did not go into full detail look of it but it just gives you pennies or what ever % on the purcahses that you make on a registered card so you can still use a cash back card, this is just operating in the background, basically kind of similar to iDine, etc. you load the credit cards in and as you dine someonewhere if they participate you will get money on that account... not only are you basically opening up your life to them off those credit cards but it's a great way for people to see cash sitting if they log in and take a server and then that cash releases or what not...

not going to hurt probably if it's free....

sometimes I really don't like the idea of something like that tracking my moves but really I'm not computer savvy enought to make it not happen, so I my as well take any offers, promo, etc. if all they want is to track where I eat or buy school books!

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
Posts: 177
Registered: ‎12-16-2011

Re: SmarterBucks

I did not sign up. I was curious about others' experiences. Does not look like it's worth the trouble.

In my wallet:
Discover More / Chase Amazon / Chase Freedom /Chase Business Ink / Chase Slate / Capital One Cash Rewards / Walmart Discover / Kohls / JCPenny / Home Depot / Art Van

Experian Direct PLUS scores: Experian 744/ Equifax 763/ TU 744
Regular Contributor
Posts: 205
Registered: ‎12-20-2012

Re: SmarterBucks

I wonder what the approval odds are for a card like that?  I am a grad student who has never really had a credit card and trying to get them now is proving to be a little difficult with no credit history. Maybe this card would be easier to get than a cashback card which I have been told I have little chance of until I build more history. I will look into this more.  


Thanks for this topic!




Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+