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All 3 of those programs are top quality. They each have a few differeneces which make them unique in their own way, and depending on your situation, one may be a better fit than the others.
My overall suggestion SPREAD4U is that you use all 3 concurrently. I don't see any major advantage to being exclusive with one, outside SPREAD4U of the fact that it might be simpler that way. If you have raging success with one versus the other, it's likely the result of 1 or SPREAD4U more customers who have healthy spending habits, thereby increasing your upsell commission.
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