Affiliates in the credit card industry generate billions in sales through affiliate networks. If you’re looking for high commissions with low competition, this niche could be your fast track to better profits.
These affiliate programs are among the most lucrative out there. Successful credit card affiliates in communities like The Affiliate Lab can earn five-figure monthly commissions. While it can be tough to get started, there’s a right way to approach it.
According to a source, affiliate marketing spending is expected to surpass $8.2 billion by 2022, doubling what it was in 2017.
Current Affiliate Marketing Trends
Affiliate marketing is now seen as one of the easiest and most effective ways to make money online, increase website traffic, and grow brand awareness passively.
It’s simple because affiliates don’t need to create products or handle customer service. Your main job is promoting the right product to the right audience at the right time.
Affiliate marketing isn’t going anywhere. Now is a great time to join a credit card affiliate program or network and start earning commissions. Both credit cards and affiliate marketing are only growing in popularity.
How To Become a Credit Card Affiliate
Even though the credit card market is competitive, the rewards are high if your lead converts after clicking your link. With the rising demand, there’s still room for new affiliate marketers.
If you’re reading this, you likely already have an audience, whether through:
- A blog with relevant content, or
- Paid strategies to reach your target audience (ads)
The first step is finding the best credit card to promote to your audience.
For example, if you run a travel blog, your readers might be interested in cards offering frequent flyer miles. If you run a dropshipping business, cashback and rewards cards might be more appealing. The key is to promote cards that match your audience’s interests.
What Makes a Good Credit Card Affiliate Program?
Several factors determine whether an affiliate program is worth joining:
High Payouts:
Commission rates vary based on the type of card and audience. Typically, affiliates can earn between $25 to $100 per lead. Some luxury cards can pay up to $405 for each accepted lead.
There are also pay-per-lead networks where you get paid just for someone filling out a form, even if they don’t qualify for the card. Keep in mind, commissions are usually one-time payments. Ongoing commissions for credit cards aren’t common.
Low Payment Threshold:
Look for programs with low payment thresholds. For example, if a program has a $100 payout minimum and pays $25 per referral, you’ll need four referrals to request your payout. The lower the threshold, the quicker you can access your earnings.
Marketing Tools:
Many credit card affiliate programs provide marketing resources to help you succeed. These can include:
- Pre-written email templates (swipe files)
- Infographics and images for your site
- Various ad formats for websites and blogs
- Educational content like videos or courses to help your audience choose the best card
Affiliate Support:
Once approved for a program, you’ll get access to an affiliate dashboard. Here, you can track stats like clicks, sign-ups, commissions, and payouts.
Some networks also offer an affiliate manager who can suggest the best cards to promote based on your audience and help with marketing strategies.
Long Cookie Duration:
When someone clicks your link to visit a credit card site, a cookie is placed on their browser. If they come back and make a purchase within the cookie period, you still get paid, even if they didn’t convert on the first visit.
Cookie durations can range from seven days to a year. The longer the cookie period, the better your chances of earning.
Offering the Right Credit Cards to Your Audience
Make sure the affiliate program offers credit cards that appeal to a broad range of customers and, more importantly, resonate with your audience.
There are thousands of credit cards waiting to be promoted, but not all of them will interest your audience. For instance, a card offering frequent flyer miles is a great fit for a travel blog. The goal is to promote products your readers can relate to.
Starting with the right network is key. Let’s explore 15 of the top credit card affiliate programs. We’ll dive into what makes each unique, how they benefit you, and review their policies and services.
Best Credit Card Affiliate Programs In 2024:
Here is the list of top 15 best credit card affiliate programs in 2024 and 2025:
- FlexOffers
- CJ.com
- Credit.com
- Capital Bank
- Experian
- TransUnion
- Credit Karma Affiliate Program
- CommissionSoup
- Bankrate Credit Cards Affiliate Program
- Credit Assistance Network
- American Express Affiliate Program
- Credit Repair
- Chase Affiliate Program
- Capital One Affiliate Program
- M1 Affiliate Program
1. FlexOffers:
A sizable network, FlexOffers has over 12,000 active advertisers. This is a market for premium credit cards. With affiliate credit card programs, they specialize. Currently, they have more than 500 affiliate networks just for financial services.
The majority of many other credit card companies as well as AMEX and Visa associate offers have previously been accessible here. One of the greatest credit card affiliate networks, FlexOffers has been praised for its diversity alone.
You have an additional way to make money with their FlexRev-$hare program thanks to second-tier commissions. You may receive quite so much about 50% of the money that new publishers make.
Details:
- Strengths: Credit card as well as other financial affiliate offerings.
- Commission: $16–$400 or more for each conversion.
- Duration: The software determines the cookie duration on its own. 10-15 to 45 days
- Methods of payment: check, bank wire, and direct deposit
- A $100 down payment is required.
- Programs available: CPA and CPS
2. CJ.com:
CJ provides access to a number of the biggest companies in the world for publications that are involved in credit card programs. Major stores like Overstock, Lowe’s, and Zappos, in combination with credit card affiliate programs, all have offers posted here.
Although the network doesn’t concentrate on credit card programs, the dashboard makes it simple to browse by advertiser type. Finding an affiliate program for credit card publishers won’t be difficult. An affiliate network with over 20 years of experience is Commission Junction.
More than a single affiliate program from the list below is run solely through this network. Additionally provided here is the $200 Avianca LifeMiles Credit Card, which offers completed applications.
Details:
- Strength: Affiliate offers for credit cards, loans, and guidance
- Commission: Depending on the offer, between $1 and 140
- Cookie: Variable based on the offer. Offers No-cookie tracking
- Payment options: Payoneer, FedEx Checks, Checks, and Direct Deposit
- A $50 down payment is required.
- Offerings include CPA, CPL, CPS, per-call payment
3. Credit.com:
The affiliate and reseller programs run by Credit.com are centered on credit card offers and personal finance. Publishers have a variety of options, including credit cards, personal loans, and even financial advisory services. They are a well-known provider of credit cards.
The biggest credit card issuers in the world, such as Mastercard, American Express, as well as Chase, have all recruited affiliate marketers to work for them.
Through a unique platform, they provide help for publishers. We have access to sophisticated account management features, tracking tools with personalized notifications, and training resources that can assist you to project greater competence on the site. We also appreciated their well-known Visa credit card a lot.
Details:
- Strength: Affiliate offers for credit cards and financing.
- Commission: Determined by each advertiser.
- Cookie: Created by each advertiser.
- Payment options: check, bank wire, and direct deposit
- A $100 down payment is required.
- Programs available: CPA and CPS
4. Capital Bank:
Capital Bank provides the protected credit card known as OpenSky. The affiliate program with this credit card is accessible on a multitude of systems, such as the credit.com network that we have already discussed, despite the fact that Capital Bank does not operate its own network. The card’s program is simple to understand. For every account which is opened and funded, publishers are paid a flat commission of $25.
Among the best programs for those new to the credit card industry may result from this reward structure. USAA card is accessible to almost everyone in the US, which increases the likelihood of conversion. This card is accessible to people with bad credit or even no credit at all.
Details:
- A secured credit card is a strength.
- Commission: $25 for every funded account.
- 30 days for cookies.
- Payment options: Determined by the advertiser.
- The minimum payment is determined by the advertiser.
- Programs available: Low CPS
5. Experian:
Experian is a well-known supplier of credit offers and financial reports. Their offerings include specialized credit card offers, personal finance, debt management programs, credit reports, car loans, and personal loans. The CJ Affiliate network is presently home to the Experian credit card program.
Experian’s credit scores as well as reports can be a useful resource for publishers with financial websites and their audience. It can be a wonderful complement to other financial services-related information.
With this scheme, each referred customer earns a variable percentage. This may be one of the finest affiliate programs for you if you’ve established the trust necessary to steer your traffic toward a variety of services and card offers.
Details:
- Strength: Loan and credit card options.
- Earn a commission of approximately 20% of the money your users make.
- 45 days for a cookie.
- Payment options: wire transfer, check, and direct deposit.
- Depending on the promotion, there may be a minimum payment requirement.
- Programs available: CPS
6. TransUnion:
Customers can choose from a range of credit protection agencies from Transunion, including fast security warnings, credit protection, and credit reports. Therefore, this is ideal for anyone who needs to improve their credit score. You can drive your traffic towards either the free trials or the purchased financial goods via the affiliate program. There are also numerous credit card deals accessible.
As a customer transitions from testing out such a service to subscribing, you might be able to receive both the trials as well as the purchase commissions for specific offerings. Publishers are provided with personalized tracking tools to control their involvement in the affiliate program. A fantastic selection of pre-generated content and marketing materials also gives them power.
Details:
- Strength: Credit card offers and financial guidance.
- Commission: $20 for a $1 seven-day trial, $45 for a purchased item.
- 45 days for a cookie.
- Wire/Direct Deposit as payment methods.
- Depending on the promotion, there may be a minimum payment requirement.
- Programs available: Fixed CPA/CPS
7. Credit Karma Affiliate Program:
A credit monitoring system called credit Karma gives users a comprehensive snapshot of their financial situation. The platform doesn’t market or sell goods. Instead, it offers suggestions and guidance regarding services from third parties. Each individual you refer who establishes the Credit Karma account receives a flat commission through the affiliate program (accessible on CJ).
The affiliate program’s commission rate has been set at $.25 for each signup, however, if there is a lot of volumes, it is feasible to generate considerable returns. The beneficial, free features have a great chance of converting users. Publishers are given resources, tracking tools, as well as a weekly newsletter that focuses on the areas and strategies that other publishers have found to be successful.
Details:
- Strength: Reports and credit scoring.
- Commission: $0.25 for each signup.
- 45 days for a cookie.
- Payment options: depending on the network. Multiple networks have hosted CreditKarma.
- Minimum payment: Depending on the network.
- Programs available: CPA
8. CommissionSoup:
One of the biggest CPA networks, CommissionSoup, offers a number of the most well-known credit card schemes online. Because it has some of the top credit programs, it is regarded by some as the highest credit card affiliate program.
With 18 years under its belt, the network has earned the respect of a number of the greatest brands in the credit card industry. It has promotions for credit cards from numerous well-known companies, such as AMEX, Visa Credit, Mastercard, and Credit One.
Numerous other affiliate programs are available to publishers. If after joining you want to try something different from credit card affiliate offers, this can provide you with some diversity. Publishers can also use some exclusive tracking software and marketing materials.
Details:
- Strengths: Finance and credit cards.
- Commission: depending on the deal, $10-$40.
- 30 days for cookies
- Methods of payment: check
- A $100 down payment is required.
- Programs available: CPA
9. Bankrate Credit Cards Affiliate Program:
Although Bankrate Credit Cards is really a credit card network by itself, it also oversees affiliate credit card programs for some of its own competitors. On this network, credit card affiliate programs are accessible from AMEX, Capital One, Chase, and Discover.
Publishers have access to more than 300 different offers linked to credit cards and financial counseling through the Bankrate credit cards. Numerous of these affiliate offers include special conditions and compensation arrangements of their own.
A specialized account person supports each affiliate in the network. Additionally, they receive some beneficial tools for monitoring and evaluating performance.
Details:
- Strengths: Credit cards with major banks.
- Commission: Up to $200 for each signup, 40%+ Rev-Share.
- Cookie: thirty days
- ACH and check as payment options.
- Each promotion has a different minimum payment amount.
- Programs available: CPM, CPC, CPA, and CPL
10. Credit Assistance Network:
Credit Assistance Network would be a program that focuses on credit improvement. On the more extensive ShareASale Network, the products are available, including secured credit cards.
The hosted offers also contain instructional materials and consulting services as well as credit cards. On this network, sites that are geared towards establishing credit and addressing issues like bankruptcies, liens, or ID theft may fare well.
A wide variety of banners and other creative assets are available to publishers, all of which can be altered upon request. Financial advisors and mortgage brokers have access to extra client tracking tools.
Details:
- Secured credit cards are a strength.
- Commission: $95 per sale, $1.25 for each lead.
- Cookie: a year.
- Payment options: depending on the network. This program is not housed on a network of its own.
- Minimum payment: Depending on the network.
- Programs available: CPA and CPS
11. American Express Affiliate Program:
One of the biggest affiliate programs for direct credit cards in the world is the AMEX referral program. You will collaborate closely with the American Express card network and encourage both individual and business signups.
Both the United States and Canada offer the program. The program is currently being expanded in Canada, which has resulted in higher prices for some products.
Well-designed resources, such as example code, APIs, or technical support, are available to publishers. American Express offers official help seven days a week. Customers can be pointed to that assistance so they will never need to get in touch with you.
Details:
- Strengths: One credit card for the affiliate program.
- Commission: Up to $200 per lead.
- 7 days for cookies.
- Direct Deposit is a payment method.
- Minimum payment: Depending on the network.
- Programs available: CPS
12. Credit Repair:
All different kinds of credit restoration services are primarily provided by the credit repair industry. The website provides instructions, educational materials, and reviews of crests. Additionally, it links users to loan and credit card offers that are tailored to particular credit scores.
The corresponding affiliate program pays you for any goods a visitor buys after coming from your website to CreditRepair.com. Additionally, we have received credit for any phone sales which result from users clicking on our site.
Since the cookies for such services are valid for a year, you have plenty of time to gradually persuade someone to convert. A library of text links and banner advertisements is already available to support publishers.
Details:
- Fixing credit is a strength.
- Commission: $70 for each funded customer, or customer who makes a deposit into the card’s account.
- Cookie: a year.
- Direct Deposit is a payment method.
- Programs available: CPA
13. Chase Affiliate Program:
According to Shift, Chase had the special distinction of being issued the most credit cards, with a staggering 93 million cards in use as of 2021.
Chase provides a variety of credit cards. Choose your favorites or advertise all available credit card options. Depending on your credit card, you may receive different incentives for recommendations. Therefore, you receive $100 cashback if someone buys Chase Freedom Credit Card from you.
Additionally, you have the choice to advertise credit cards with hotel, airline, or even Disney themes in exchange for bonuses, miles, or awards as the situation demands. Another choice is to offer businesses the chance to sign up for their credit cards in exchange for the chance to earn a maximum of 100,000 points annually.
Details:
- Software and Network: Bankrate Credit Cards.
- Cookie lifetime: Not specified
- Markets: Worldwide
14. Capital One Affiliate Program:
One business that does not wish to be restricted to the financial services industry is Capital One. A short look at their website reveals that they provide a variety of additional services that may serve as an additional draw for customers.
Keep in mind that in order to benefit from their promotions, you must already be an active Capital One credit card customer. To be eligible for the program, you must also have one of the following credit cards: QuicksilverOne, Quicksilver, SavorOne, Savor, Platinum, VentureOne, Venture, or Secured Mastercard.
There is a preliminary step for signing up, registering, and signing up. Following approval, you’ll receive a unique referral link that you can use for marketing.
Details:
- Network / Software: FlexOffers, Bankrate Credit Cards.
- Cookie duration: 30 days, not specified (Bankrate Credit Cards) (FlexOffers).
- Markets: Worldwide
15. M1 Affiliate Program:
The majority of the information you want as an affiliate marketer is laid out plainly and honestly on M1, one of the only credit card affiliate programs on this list, on their website. You won’t have to do much research regarding this one, but signing up and getting approved is necessary to learn more about how much money you’ll actually make.
M1 is a company that specializes in wealth management and building using automation. Mobile users, also have an additional app known as The Finance Super App. M1 offers opportunities for borrowing against investments as well as for making investments. The M1 as well as M1 Plus credit card, as well as the special Owner’s Rewards Program cards for investors, are their three credit card alternatives, each having a separate set of admission requirements and advantages.
Details:
- Commission: $70.00 Qualified Funding; $50.00 Initial Funding (Impact); $25.00 Account Creation; $70.00
- Credit Card Approval (Impact)
- Duration of cookies: 30 days
- US markets
Conclusion:
Your affiliate commissions have been probably dispersed across a ton of different platforms if you own a website that is monetized through affiliate marketing. Due to this, it is challenging to efficiently test various products and programs, have an overview of what is effective, and even tailor your material for conversion.
An affiliate was created to address this. It enables you to centralize all of your affiliate information (commissions, clicks, and content analytics) in order to increase conversion and revenue.
FAQs
How much can I earn as a credit card affiliate?
Earnings vary, but affiliates can make between $25 to $100 per lead. High-end programs can pay up to $405 for an accepted lead.
Do I need a website to be a credit card affiliate?
While having a website helps, some affiliates use paid ads or social media to drive traffic to their links.
What is the cookie duration for credit card affiliate programs?
Cookie durations can range from seven days to a year. The longer the cookie period, the more chances you have to earn a commission.
How do credit card affiliate programs pay?
Most programs pay per lead, meaning you earn when someone completes a form or applies for a credit card through your link.
Can I promote more than one credit card?
Yes, many affiliates promote multiple credit cards to match different segments of their audience’s interests.
