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I use the site basically as a bookmark for all my common websites I visit daily. I usually earn $5-10 a month that I use on Amazon; sometimes more if I use their grocery coupons or shop through their website. The card is offered through First Bankcard. Has anyone applied, if so what scores? http://www.swagbucks.com/p/swagbucks-credit-card?subID=022 Here's how we'll maximize your rewards: Earn 1.25 Swag Bucks points per Dollar on every purchase.† First Usage Bonus: Get 1,000 Swag Bucks points after using your card or transferring a balance within the first 3 billing cycles after your account is opened!† Extra Bonus Reward: Earn an additional 2,500 Swag Bucks points when you spend $1000 within the first 6 billing cycles after your account is opened† Redeem your Swag Bucks points for a gift card, or the Reward of your choice Monthly Expenditures That Can Help You Earn† $400 worth of groceries = 500 Swag Bucks points An $80 cell phone bill = 100 Swag Bucks points $60 to fill your gas tank = 75 Swag Bucks points $500 spent on recreation = 625 Swag Bucks points Buy $300 worth of gifts = 375 Swag Bucks points