It really depends on the school. In the end, they'll look at your cumulative. I would do a SMP from a school that almost guarantees admission. The only one I know of so far is Temple. Other SMP providing schools just guarantee an interview.
If money and time weren't a factor, I would say do a postbacc to raise the Undergrad and then if you can't get in still then do an SMP or regular Masters. But if you want the fastest and "cheapest" way, go for the SMP unless you somehow manage a Masters program that provides you free tuition and stipend.