SmartCredit vs Upside: which affiliate program pays better?
Two finance programs ranked next to each other on Affiliate Graph, compared on the public terms their networks list. SmartCredit lists the higher top commission (12% against 5%–10%). Neither program publishes a cookie window in its network listing. They share 3 networks (CJ, Digidip, Flexoffers), so one publisher account can carry both. Both hold an Affiliate Graph Rank score of 98/100 in Finance.
| Term |  SmartCredit |  Upside |
|---|---|---|
| Listed commission | 12% | 5%–10% |
| Cookie window | Not published | Not published |
| Networks | 5: CJ, Digidip, Flexoffers, Skimlinks, Sovrn | 4: CJ, Digidip, Flexoffers, Impact |
| Direct networks | CJ | CJ, Impact |
| Rank score | 98/100 | 98/100 |
| Rank basis | observed commission | observed commission |
| Brand size | — | — |
| Categories | Finance, Digital Services & Software | Finance, Digital Services & Software, Auto & Tires, Food & Drink |
| Markets | US, CA | US, CA |
| Status | Active | Active |
Choose SmartCredit for
- the higher listed commission (12%)
- more ways to join (5 networks)
Choose Upside for
Fit with your audience: on the listed terms SmartCredit has the edge, and Upside is the better choice where its products match what you cover.
Upside program detailsWhere to join
Both programs are listed on CJ, Digidip, Flexoffers. SmartCredit is also on Skimlinks, Sovrn. Upside is also on Impact.
Compared on listed program terms from the networks' public listings. Rates and cookies change; confirm current terms on the network before applying. The rank score is a position among tracked US and UK brands, indexed 0 to 100; the underlying figures are not published. Methodology · Data updated Oct 23, 2026.