September 23, 2023
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It’s no secret the financial industry is lucrative and responsible for creating many millionaires and billionaires. Also, the financial sector provides thousands of products and services that millions use worldwide, including bank accounts, investments, credit cards, and loans. Many financial companies use affiliate marketing to promote those products. This post reviews the best financial affiliate programs for beginners, bloggers, and social media marketers.
Best Financial Affiliate Programs
While some bloggers provide incomplete lists of around ten to fifteen programs, I’ll give you a robust selection of reputable merchants to maximize your marketing options and income prospects. Additionally, we’ll review bank, credit, investment, trading, loan, insurance, and budgeting affiliate programs for US and global markets.
My list includes companies on trustworthy affiliate networks with efficient payment processing and earnings per click (EPC) data. First, Impact and CJ Affiliate lead the way with the best opportunities. Next, FlexOffers and ShareASale are close behind. Separately, I have you covered if you want to promote the best cryptocurrency affiliate programs.
| Affiliate Network | Merchant Listings |
| Impact | 256 programs |
| FlexOffers | 245 programs |
| CJ Affiliate | 123 programs |
| ShareASale | 81 programs |
| Rakuten Advertising | 38 programs |
Eightcap
Eightcap offers uncapped earning potential with over 1,000+ trading assets, including 300+ crypto derivatives, forex, stocks, and indices. They offer MT4, MT5, and TradingView, allowing clients to chart and trade more successfully. With dedicated partner account managers and rich client referral metrics, Eightcap has an industry-leading program.
The Eightcap affiliate program offers the following incentives:
- Commission rate: Up to $6 per lot in IB rebates and revenue sharing
- Cookie/referral period: 30 days
- Payout threshold: $100
- Affiliate software/network: Cellxpert
M1 Finance
M1 Finance offers a unique combination of automated investing and customization, allowing clients to create portfolios tailored to their needs. As a “Super App,” users can access loans, checking accounts, and credit cards.
Affiliates get the following from the M1 Finance affiliate program:
- Commission rate: $100 per funded account
- Cookie/referral period: 30 days
- Payout threshold: $1
- Affiliate software/network: Rakuten Advertising
Acorns
Acorns is a financial and investment app that helps people save, invest, and earn. It allows customers to automatically invest in low-cost, diversified ETF portfolios from Vanguard and BlackRock. Additionally, Acorn targets tech-savvy 20 and 30-somethings who are financially aware.
The Acorns affiliate program offers the following compensation:
- Commission rate: Up to $60 per funded account
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
Betterment
Betterment is an automated investing service for customers who want a better way to manage their money. It helps people reach their financial goals through efficient, low-cost, proven investing principles and products. It also offers cash management and financial planning services.
The Betterment affiliate program is rewarding for these reasons:
- Commission rate: Up to $900 per funded account
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
Questrade
Questrade is a top-rated Canadian online brokerage providing low-cost financial services and products for self-directed investors, active traders, and managed clients. Also, Questwealth portfolios offer diversified low-fee portfolios managed by experts to reach your goals faster.
Marketers get the following from the Questrade affiliate program:
- Commission rate: $70 per funded account
- Cookie/referral period: 60 days
- Payout threshold: $10
- Affiliate software/network: Impact
Wealthfront
Wealthfront is the only automated financial advisor to offer the combination of financial planning, investment management, and banking-related services exclusively through software. It manages over $10 billion for individuals and businesses.
The Wealthfront affiliate program is rewarding for these reasons:
- Commission rate: $55 for investment accounts
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
Wealthsimple
Wealthsimple combines investing, commission-free trading, money transfers, cryptos, and other financial products/services in one app. Customers can also automate their investment activities and speak to portfolio managers anytime.
The Wealthsimple affiliate program has the following benefits:
- Commission rate: Up to $50 per funded account
- Cookie/referral period: 45 days
- Payout threshold: $10
- Affiliate software/network: Impact
Barclays US
Barclays Online Savings is a high-yield savings account offered by Barclays Bank Delaware, a division of Barclays Bank PLC. It is available to US residents with a valid Social Security number or Individual Taxpayer Identification Number (ITIN). Barclays offers a high APY, no minimum balance, convenient access, and FDIC insurance.
The Barclays affiliate program is lucrative for these reasons:
- Commission rate: Up to $250 per account approval
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
BMO Harris Bank
BMO Harris Bank has over 1,000 branches and over 6,000 ATMs in 19 U.S. states. It offers various financial services, including personal, commercial, investment, and wealth management. It is the U.S. subsidiary of the multinational investment bank and financial services company Bank of Montreal, which owns it through the holding company BMO Financial Corporation.
The BMO Harris Bank affiliate program offers the following:
- Commission rate: Up to $225 per account approval
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Chime
Chime offers mobile and online financial services with a mobile-first approach for people on the go. Also, it has no monthly fees, fee-free overdrafts, credit builder cards, high-yield savings accounts, early payment direct deposit, and money transfer services.
Affiliates get the following benefits from the Chime affiliate program:
- Commission rate: $10 per new user
- Cookie/referral period: 24 hours
- Payout threshold: $10
- Affiliate software/network: Impact and CJ Affiliate
CIT Bank
CIT Bank has services for individual, business, and commercial clients. For example, its bank and loan products include savings accounts, money market, certificate of deposit, checking, and mortgages.
The CIT Bank affiliate program offers the following incentives:
- Commission rate: $75 per new user
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Wise
Wise is an innovative financial services company enabling people to send, receive, hold, and spend money–internationally and locally–at mid-market exchange rates and low fees. All costs are known upfront, and customers can get bank account details for multiple countries and currencies, including the United States, Canada, and the European Union.
The Wise affiliate program is appealing for these reasons:
- Commission rate: Up to $50 per transfer
- Cookie/referral period: 365 days
- Payout threshold: $30
- Affiliate software/network: Partnerize
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, opening offices in Toronto and Hamilton. Today, it’s a leading provider of travel-related services in Canada.
The AMEX affiliate program is lucrative for these reasons:
- Commission rate: Up to $350 per credit card approval
- Cookie/referral period: 7 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Credit Sesame
Credit Sesame helps consumers achieve financial wellness by allowing them to manage and grow their credit and cash in one place. Along with being a comparison site, Credit Sesame offers free credit scoring, monitoring, reporting, and building products.
Affiliates get the following from the Credit Sesame affiliate program:
- Commission rate: Up to $6 per lead
- Cookie/referral period: 30 days
- Payout threshold: $100
- Affiliate software/network: Tune
Credit Karma
Credit Karma offers financial tools and resources, including free credit scores, identity monitoring, credit card recommendations, loan advice (for car, home, and personal items), and savings accounts. It’s also a top-rated site for product and service comparisons.
The Credit Karma affiliate program offers the following compensation:
- Commission rate: $3 per lead
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
Experian
Experian offers 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.
The Experian affiliate program is rewarding for these reasons:
- Commission rate: Up to $30 per sale
- Cookie/referral period: 10 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
MyFICO
MyFICO, the official consumer division of FICO, invented the FICO credit score. It offers financial tips, credit scores, and reports from the top three bureaus, including Experian, TransUnion, and Equifax.
Marketers get the following from the MyFICO affiliate program:
- Commission rate: $5 per sale or lead
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: ShareASale
TransUnion
TransUnion provides credit reports, scores, analyses, and unbiased content to improve people’s lives. Its premium and free products include credit monitoring and protection, score simulators, fraud alerts, dispute resolution, and identity protection.
The TransUnion affiliate program has the following benefits:
- Commission rate: Up to $60 per sale
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
USAA
Since 1922, USAA has served the military community and their families. USAA offers insurance, banking, investment, retirement, and real estate products and services. Also, it offers rewards, cashback, and low-rate cards.
The USAA affiliate program is appealing for these reasons:
- Commission rate: Up to $36 per account approval
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Aflac
Aflac provides supplemental insurance to help pay out-of-pocket expenses your medical insurance doesn’t cover. It sells life, accident, dental, vision, critical, disability, hospital, and pet insurance for individuals, families, and business owners.
The Aflac affiliate program offers the following:
- Commission rate: $16 per lead
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Allianz Care
Allianz Care is one of the world’s leading international health insurance providers. Its personal and business products include healthcare plans, critical illness insurance, ex-pat assistance, travel security services, and disability coverage.
The Allianz Care affiliate program is profitable for these reasons:
- Commission rate: Up to €20 per lead
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
CoverWallet
CoverWallet offers business insurance to companies of all sizes and tailors coverage to each client’s specific requirements. Business owners can apply for general liability, workers’ compensation, commercial auto, medical malpractice, and more.
Affiliates get the following benefits from the CoverWallet affiliate program:
- Commission rate: $30 per new user
- Cookie/referral period: 30 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Lemonade
Lemonade offers renters, homeowners, and car and pet owners affordable insurance powered by tech and driven by social good. Additionally, users can compare shops and switch to save money.
The Lemonade affiliate program offers the following incentives:
- Commission rate: $20 per quote
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
LendingTree
LendingTree is an online loan marketplace with an expansive network of lenders. It allows consumers to connect with multiple loan companies for several financial needs, including personal loans, home purchases, insurance, student debts, refinancing, debt consolidation, and more.
The LendingTree affiliate program is lucrative for these reasons:
- Commission rate: $25 per lead
- Cookie/referral period: 14 days
- Payout threshold: $50
- Affiliate software/network: CJ Affiliate
Nav simplifies business financing by matching companies with the best loans, credit cards, and financial products. For example, it helps find solutions for SBA loans, bank loans, equipment financing, startup loans, checking accounts, insurance, and business formation services.
Affiliates get the following from the Nav affiliate program:
- Commission rate: Up to $40 per loan approval
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
YNAB
You Need A Budget (YNAB) is an award-winning personal finance software and a proven method to gain total control of your money. Specifically, YNAB will help you organize your finances, demolish your debt, save piles of cash, and reach your financial goals faster.
The YNAB affiliate program offers the following compensation:
- Commission rate: $6 per lead
- Cookie/referral period: 30 days
- Payout threshold: $10
- Affiliate software/network: Impact
Start Earning
Can you make money with financial affiliate programs? Yes, you can. Many financial companies offer high-paying affiliate programs for leads, new customers, and sales. Also, the financial niche is among the most profitable affiliate marketing categories alongside e-commerce and digital marketing apps. For instance, a commission rate of over $100 is commonplace. Many options for affiliates promoting financial services are available, from banks to investments and money transfers to insurance. But, of course, it will also help if you market those products you like and use. Case in point: I promote Wise on my tools and resources page.
Financial tech companies (fintechs) have made the landscape more exciting and competitive. These companies leverage the internet and technology to create innovative, cost-saving solutions. As a result, millions of people gravitate to fintechs from legacy banks and financial companies. For example, Betterment and Acorns have attracted millions of customers. They, and many other fintechs, have affiliate programs.
You can also promote financial literacy through courses and books. Online education is a multibillion-dollar industry, with many e-learning companies offering courses in financial planning, budgeting, saving, investing, etc. Many companies have rewarding affiliate programs, such as Coursera and Skillshare. If you want to recommend books, Amazon has an affiliate program.
Since financial products impact the lives of almost everyone, you don’t need to be a financial expert or limit your content. For instance, a travel blogger can write about travel credit cards, whereas a YouTuber might discuss the products she uses to save money. Thus, promoting financial services and products is as relevant as you want them for your readers and viewers.
Affiliate marketing disclosures and transparency are especially critical in the financial industry. As a result, the Securities and Exchange Commission (SEC) and the Federal Trade Commission (FTC) pay close attention to advertisers and affiliates. Additionally, the FTC has a guide for best practices and recommendations. For instance, affiliates should include #Ad, #EarnedCommission, or #SponsoredPost when posting affiliate links on social media sites.
