Is ScoreCard Rewards a Scam?

ScoreCard Rewards gives people an easy way to earn points for buying things with their credit/debit card. But is there a catch to this? Is ScoreCard Rewards a scam in one way or another?

If you know me, then you know that I like trying/testing out ways to make extra money… especially when they require little to no effort. And since ScoreCard Rewards requires just about no extra effort whatsoever, I had to look into this opportunity and see how good it is. In this short review I’ll be going over how this program works, how much you can make, and ultimately whether or not I think its worth your time.

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ScoreCard RewardsScoreCard Rewards Review


ScoreCard Rewards is a reward program where you can earn points for using your credit or debit card(s). It is similar to cash-back programs but it gives you points instead which you can then redeem for rewards of real monetary value.

There are a variety of rewards you can redeem your points for including gift cards and air travel.

How It Works

Its nothing too complicated here.

1) Register

The first thing you would need to do is register at This won’t take long and you will just have to set up your profile.

The first step in registering is entering your card number. Your Credit/debit card will be “attached” to your ScoreCard Rewards account so that when you use it to buy things you earn points.

2) Spend Money

You will earn points on your qualifying purchases when you use the card you registered with. Usually you earn about 1-2 points for every dollar you spend but this depends as I will go over next.

3) Redeem Your Points

Once you accumulate enough points in your account you can then redeem them for a variety of rewards. I will also be going over some of the better rewards you can get.

How Much Can You Earn?

The amount of points you can earn largely depends on your situation. The card you have makes a big difference and I will give you an example:

Visa Credit Cards vs Visa Debit Cards

One good example is the difference between a MembersFirst Visa Credit card and a MembersFirst Visa Debit card.

With the Credit Card you will earn 1 point for every $1 that you spend online, by phone, or in store. Its a 1:1 ratio so its very easy to keep track of the points you are earning. But if you have a Debit Card on the other hand, you will only earn 1 point for every $2 you spend. That a 1:2 ration and it means you will literally earn only half the points if you have a debit card vs a credit card.

That’s just one example for you but there are others too.

So the best case scenario here is that you have a credit card and you are earning 1 point for every $1 spent. But that still doesn’t really tell you much because you don’t know how much a point is worth. To determine the worth of a point you have to look at the rewards that you are able to redeem your points for.


You can redeem your points for rewards when you reach 2,000 points or higher.

There are probably thousands of different rewards that you can redeem your points for. These range from gift cards, to vacuum cleaners, to cookware, to airfare, vacation packages, and much much more. There is no shortage when it comes to rewards.

Generally you can expect each point to be worth around $0.01, although some rewards have a higher point value. It really just depends on the rewards. You could find a $25 gift card that costs you 3,000 points, meaning that each point is worth less than 1 cent, or you could find deals the other way around.

From the research I have done it seems that airfare is one of the best options for redeeming points when it comes to point value.

Whats The “Point”?

Yes, pun intended. But seriously… whats the point?

Why not just get a cashback credit card and earn money back that you can use to anywhere and on anything? This way you don’t have to go through the hassle of redeeming your points and all that nonsense. You could just get cash back automatically without doing a thing extra.

On top of that there are many cashback credit cards that offer much better returns than ScoreCard Rewards.

As I mentioned above, the best scenario is that you earn 1 point for each $1 that you spend. And since 1 point is worth roughly 1 cent that means that you are earning about 1% back. And that isn’t all that great. There are cashback credit cards that I have seen that pay 2% even on all purchases. That is twice as good of a deal with less hassle.


As with anything no matter how good it may be, there will be complaints.

Overall I would say that the number of complaints about this program is very low considering how long they have been around and how widespread this program is. Its also notable that they have an A+ rating with the BBB (Better Business Bureau).

But there are complaints. Most of them are about receiving defective products as rewards and having troubles with flights that they booked as a rewards. There are always going to be some problems and I don’t see these as being big concerns.

My main complaint about this all is what I went over above… they just don’t give much in return for your purchases. Giving 1% back is nothing and you could be making twice that much with a cashback credit card.

Final Thoughts & What I Recommend

ScoreCard Rewards is definitely not a scam. They are a legitimate reward program where you can earn points and redeem them for all sorts of things just from using your credit/debit card.

But obviously I’m not going to recommend them. Cashback cards are the way to go as far as I see it. They are less hassle and you can earn more so I don’t really see how there is even an argument here.

Either way isn’t going to make you much money at all. Its just a nice way to get a little reward for doing what you already do… which is spend money.

I personally use a cashback card where I get 1.5% cashback on all purchases. I do everything online. I make pretty much all my purchases online… I make a living working online… everything I do is online so I am always using my Credit card and this cashback does make a difference.

Anyway… that’t it for this review. I hope you enjoyed it and gained some valuable insight.

Questions, comments, concerns??? Leave them below in the comment section and I’ll get back to you soon 🙂


    My name is Kyle and I am the owner of Online Financial Success Story. I created this website in 2015 to teach others how they can make money online. To learn how I make a full-time income online, Click Here

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