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Also, although you can use the micropay credit to buy books that they have on discount, you sometimes loose the full discount that way. For example, they have four books on "full discount", where you get 100% back in credit, but only if you buy them with a credit card or paypal. You only get the buyer's club discount if you buy them using micropay credit (the same is true of a number of their "big bargain" books). Those with lesser discounts, though, do work well with micropay discounts (some of the 10-20% discounts, for example, you do get the micropay credit even if you use micropay to buy them).
On the other hand - at BooksOnBoard, you can use their reward dollars just like "cash" (credit cards, really). Have $20 to spend - buy a 100% rebate book that is under $20 and you end up with the book and the full $20 credit (after you email them the receipt to get the credit). Theoretically, you could buy one book there and read forever without spending another dime (but you would be quite limited in what you can buy and some portion of that credit will no doubt expire after their 2 year limit).
I am, however quite tempted -- but finding that $300 in books this month would be tricky, as even then I wouldn't want to spend hardcover prices on ebooks.
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