Best Credit Card Affiliate Programs

 

Last updated on April 5, 2021

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I have one, you likely own one, and many people you know have at least one. I’m referring to a credit card. Credit cards are a way of life for millions of people globally.

Banks generate three main revenue streams from credit cards, including interest, processing charges, and one-time fees. One-time fees include things like annual, cash advance, balance transfer, and late payments. Secondly, credit cards have a stickiness factor that keeps cardholders loyal to their institutions. That enables the provider to sell other financial products and services to customers for additional revenue.

The credit card market is highly competitive. Review your bank’s website, and you’ll find a selection of credit cards for different objectives, such as cash rewards, travel, low-interest rates, building credit, etc. If you multiple those cards by the number of banks in your country, you’ll realize how many offerings fill the marketplace. With ample competition, financial institutions spend millions on marketing and advertising to get new customers. One promising marketing strategy is the use of affiliate programs.

Best Credit Card Affiliate Programs

Let’s review the best credit card affiliate networks and programs. We’ll also explore other credit-related offers. Credit card affiliate programs are a unique category unto themselves and operate differently than most affiliate programs. For example, on FlexOffers, you must apply to view and participate in offers. As FlexOffers states, “Credit card programs are part of a special category of affiliate offers. Advertisers are much more discriminating, and their requirements on your promotional methods are stringent and regulated.”

Credit Card Affiliate Networks

1. Bankrate Credit Card Network

The Bankrate Credit Card Network helps publishers (bloggers, YouTubers, influencers, etc.) generate revenue from their credit card-related site traffic. They work with many of the top card issuers in the industry, including American Express, Capital One, Chase, Citi, and Discovery. Affiliates get user-friendly tools, co-branded solutions, and data feeds.

2. FlexOffers Affiliate Network

FlexOffers is a leading affiliate marketing network that provides comprehensive solutions to both advertisers and publishers. Merchants and affiliates get support, real-time reporting, deep linking tools, payment processing, compliance monitoring, and more.

3. CJ Affiliate Network

CJ Affiliate is one of the largest affiliate networks with a robust offering of merchants across 30+ categories. It provides end-to-end affiliate marketing solutions that combine technology, innovation, and program management. Nearly 3,000 merchants use the network to increase their sales.

Credit Card Affiliate Programs

4. American Express Canada

American Express (AMEX) is a diversified worldwide travel and financial services company. It is a global leader in charge and credit cards, travelers’ cheques, travel, financial planning, investment products, insurance, accounting, and international banking. American Express began in Canada in 1853, with the opening of offices in Toronto and Hamilton. Today, it’s a leading provider of travel-related services in Canada. Learn more and join the Amex affiliate program.

  • Cost per action (CPA): Pay per sale
  • Commission rate: Up to $200 CAD
  • Cookie duration: 7 days
  • Affiliate software/network: CJ Affiliate

5. Avianca

Avianca LifeMiles Credit Cards are the official U.S. partner cards of Avianca Airlines and LifeMiles. LifeMiles helps consumers live more rewarding lifestyles. The Avianca Vuela Visa and Avianca Vida Visa co-branded credit cards offer consumers more ways to earn LifeMiles. Learn more and join the Avianca affiliate program.

  • CPA: Pay per sale and lead
  • Commission rate: Up to $200
  • Cookie duration: 30 days
  • Affiliate software/network: CJ Affiliate

6. OpenSky

Issued by Capital Bank, the OpenSky Visa Credit Card is a secured credit card designed to help members improve their credit scores. There’s no credit check to apply, and users set their credit limits. The card has one of the lowest annual fees in the market. Learn more and join the OpenSky affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $25
  • Cookie duration: 30 days
  • Affiliate software/network: CJ Affiliate

7. USAA

Since 1922, USAA has served the military community and their families. USAA offers insurance, banking, investment, retirement, and real estate products and services. USAA offers rewards, cashback, and low-rate cards. Learn more and join the USAA affiliate program.

  • CPA: Pay per sale and lead
  • Commission rate: Up to $20
  • Cookie duration: 30 days
  • Affiliate software/network: CJ Affiliate

8. First Access

The First Access Visa credit card is available to customers with varying credit scores. Learn more and join the First Access affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $14.50
  • Cookie duration: 30 days
  • Affiliate software/network: FlexOffers

9. First Progress Platinum

The First Progress Platinum MasterCard is a credit card with a revolving credit line based on a refundable security deposit. Learn more and join the First Progress Platinum affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $40
  • Cookie duration: 30 days
  • Affiliate software/network: FlexOffers

10. Indigo Card

The Indigo Platinum MasterCard provides offers credit to individuals with less than perfect credit records. Learn more and join the Indigo Card affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $30
  • Cookie duration: 30 days
  • Affiliate software/network: FlexOffers

11. Luxury Card

Luxury Card is a global leader in the premium credit card market. From metal cards to a 24/7 Concierge service and app, their mission is to deliver innovation, value, and service. Members can choose from three Mastercard cards, including gold, black, and titanium. Learn more and join the Luxury Card affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $405
  • Cookie duration: 30 days
  • Affiliate software/network: FlexOffers

12. Milestone Gold

Milestone Gold MasterCard has all the benefits of a gold card for those with less than perfect credit histories. Learn more and join the Milestone Gold affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $30
  • Cookie duration: 30 days
  • Affiliate software/network: FlexOffers

 

Credit Reporting Affiliate Programs

Dun & Bradstreet

Dun & Bradstreet helps companies improve their business performance through data and insights. They have products for credit and risk management, sales and marketing, data, compliance, and more. Learn more and join the D&B affiliate program.

  • CPA: Pay per sale
  • Commission rate: 12%
  • Cookie duration: 45 days
  • Affiliate software/network: Impact

Experian

Experian is a global leader in consumer and business credit reporting and marketing services. It provides online consumer credit reports and scores, identity protection, credit cards and loans, assistance, and more. Learn more and join the Experian affiliate program.

  • CPA: Pay per sale and lead
  • Commission rate: Up to $20
  • Cookie duration: 10 days
  • Affiliate software/network: CJ Affiliate

Equifax

Equifax is a global data, analytics, and technology company. Equifax Small Business sells credit reports and monitoring services. Learn more and join the Equixfax affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $32
  • Cookie duration: 30 days
  • Affiliate software/network: FlexOffers

Lexington Law

Lexington Law is a consumer advocacy law firm and a trusted leader in the credit repair industry. They help with removing negative entries and ensuring the accuracy of credit reports. Learn more and join the Lexington Law affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $65
  • Cookie duration: 30 days
  • Affiliate software/network: CJ Affiliate

myFICO

myFICO is the official consumer division of FICO, the company that invented the FICO credit score. It offers credit-information products that help people understand actions they can take to achieve and protect their overall financial health. Learn more and join the myFICO affiliate program.

  • CPA: Pay per sale and lead
  • Commission rate: $5
  • Cookie duration: 30 days
  • Affiliate software/network: ShareASale

TransUnion

TransUnion offers total credit protection, including credit scores, reports, and alerts. It also provides identity protection and unbiased content to improve people’s financial lives. Learn more and join the TransUnion affiliate program.

  • CPA: Pay per sale
  • Commission rate: Up to $60
  • Cookie duration: 30 days
  • Affiliate software/network: Impact

Your Next Move

Can you make money with credit card affiliate programs? Yes, you can. Credit card programs pay terrific commission rates with the potential for high conversion rates. The extensive use of credit cards makes promoting them worthwhile.

If you want to promote credit cards, it’s a good idea to have an established channel/blog and some relatable content. For instance, a travel blogger might discuss the top travel credit cards, whereas a personal finance YouTuber might review small business cards.

If your credit card affiliate program applications get declined, don’t worry. It happens to the best of us. Instead, explore other financial affiliate programs and categories to find great offers. For instance, I’ve been generating commissions with Wise and Atom Finance.

Disclosures and transparency are especially critical for credit card marketing. The Federal Trade Commission (FTC) pays close attention to merchants and affiliate marketing practices. For affiliates, the FTC has a guide and recommendations regarding the best practices. For instance, affiliates should include #Ad, #EarnedCommission, or #SponsoredPost when posting affiliate links on social media sites.

 

Chad Tennant

Chad is a digital marketer, consultant, and publisher. At Digital Fodder, he offers insights and strategies concerning online marketing, ecommerce, working online, YouTube, and more. At Partnercade, he helps companies grow their affiliate program revenues and partnerships. Connect or start a conversation with Chad on LinkedIn.

 
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