Upstart vs SmartCredit: 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 1%–1.4%). Neither program publishes a cookie window in its network listing. They share 2 networks (Digidip, Flexoffers), so one publisher account can carry both. Upstart ranks higher on Affiliate Graph (99/100 against 98/100), placed by observed commission.
| Term |  Upstart |  SmartCredit |
|---|---|---|
| Listed commission | 1%–1.4% | 12% |
| Cookie window | Not published | Not published |
| Networks | 4: Digidip, Flexoffers, Impact, Loyalize | 5: CJ, Digidip, Flexoffers, Skimlinks, Sovrn |
| Direct networks | Impact | CJ |
| Rank score | 99/100 | 98/100 |
| Rank basis | observed commission | observed commission |
| Brand size | — | — |
| Categories | Finance, Business, Digital Services & Software | Finance, Digital Services & Software |
| Markets | US | US, CA |
| Status | Active | Active |
Choose SmartCredit for
- the higher listed commission (12%)
- more ways to join (5 networks)
Where to join
Both programs are listed on Digidip, Flexoffers. Upstart is also on Impact, Loyalize. SmartCredit is also on CJ, Skimlinks, Sovrn.
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.