Credit card affiliate programs can be lucrative for finance bloggers and marketers looking to earn commissions through leads and approved card applications.
Here’s a list of the best credit card affiliate programs, along with their commission details and benefits, to help you choose the right one for your audience.
Note: The information below is subject to change periodically, so we try to update it often.
1. Upgrade Affiliate Program
Upgrade offers personal loans, credit cards, and checking accounts, focusing on simplifying personal finances. Their credit cards often feature cashback rewards and competitive APRs, appealing to consumers who want low-cost borrowing.
- Commission: Up to $160 per referral, depending on consumer product type.
- Cookie Duration: 30 days
- Affiliate highlights:
- Promote credit lines with cashback on purchases.
- No annual fees attract a broader audience.
- Known for competitive approval rates.
- Join via: FlexOffers
2. USAA Affiliate Program
USAA provides banking, insurance, and credit products specifically for military members and their families. Their credit cards offer military-focused perks such as deployment discounts and rewards on essential purchases.
- Commission: Up to $80 per quote or application completed
- Cookie Duration: 30 days
- Affiliate highlights:
- Focus on cashback and travel rewards.
- Tailored benefits for active-duty military personnel.
- Strong brand trust among military families increases conversions.
- Join via: CJ Affiliates
3. Ally Credit Card Affiliate Program
Ally is an online-only bank with a reputation for high-yield savings accounts and innovative credit products. Its credit cards are designed to offer cashback, travel points, and no hidden fees.
- Commission: $50 per approved application
- Cookie Duration: N/A
- Affiliate highlights:
- High approval rates and smooth online applications.
- No annual fee options make cards accessible.
- Reliable brand in digital banking, encouraging sign-ups.
- Join via: CJ Affiliates
4. OpenSky Credit Card Program
OpenSky offers secured credit cards, great for people with no or bad credit history. No credit check is required, making it easy for users to qualify.
- Commission: $20 per approval
- Cookie Duration: 30 days
- Affiliate highlights:
- A trusted choice for credit building, appealing to those with bad credit.
- No credit check increases approval rates and conversions.
- Monthly credit reporting to all major bureaus benefits users.
- Join via: FlexOffers and CJ Affiliates
5. Reflex Mastercard Affiliate Program
Reflex provides unsecured credit cards targeting consumers with poor credit, helping them re-establish financial stability. The cards offer flexibility with higher credit limits over time.
- Commission: $22.50 per approved application
- Cookie Duration: N/A
- Affiliate highlights:
- Easy approval process for those with less-than-perfect credit.
- Opportunity for users to increase their credit limit over time.
- Affiliates benefit from generous commissions.
- Join via: FlexOffers
6. Chime Affiliate Program
Chime is a fintech company offering banking services with no fees and a Credit Builder card designed to improve credit scores without traditional interest charges.
- Commission: $10.80 per successful enrollment on chime.com.
- Cookie Duration: 1 day
- Affiliate highlights:
- No interest or fees makes it perfect for credit builders.
- Popular among younger, tech-savvy audiences.
- Affiliates can leverage Chime’s trusted reputation for conversions.
- Join via: FlexOffers
7. Luxury Card Affiliate Program
Luxury Card provides premium credit cards with exclusive perks such as a personal concierge service, travel rewards, and metal card designs. It targets high-net-worth individuals.
- Commission: $180 per approved account.
- Cookie Duration: 30 days
- Affiliate highlights:
- High annual fees mean higher conversion payouts.
- Unique metal cards appeal to affluent audiences.
- Affiliates benefit from the high-value transactions Luxury Card customers make.
- Join via: FlexOffers
8. BMO Harris Bank Affiliate Program
A leading bank in North America, BMO Harris offers credit cards with cashback, travel rewards, and low-interest rates. It caters to both personal and business customers.
- Commission: Up to $400 per lead, varies by product type
- Cookie Duration: 30 days
- Affiliate highlights:
- Multiple card options for cashback, travel, and balance transfers.
- Strong reputation across the U.S. and Canada ensures credibility.
- Affiliates earn commissions based on completed applications.
- Join via: CJ Affiliates
9. Concora Credit Affiliate Program
Concora Credit provides both consumer and business credit solutions with a focus on offering financial products to underserved markets.
- Commission: $30 per credit card approval
- Cookie Duration: 30 days
- Affiliate highlights:
- Niche credit offerings appeal to specific audiences.
- Attractive commission structure for affiliates.
- Flexible lending criteria increase approval rates and conversions.
- Join via: FlexOffers
10. First Progress Platinum MasterCard Affiliate Program
First Progress specializes in secured credit cards that help users build or rebuild their credit. The card is open to all credit levels and reports to the major credit bureaus.
- Commission: $40.50 per approved application.
- Cookie Duration: N/A
- Affiliate highlights:
- Great for those with no or poor credit history.
- No minimum credit score requirements boost approval chances.
- Affiliates benefit from steady commissions due to strong demand.
- Join via: FlexOffers
11. Surge Mastercard
Surge Card offers credit cards for people rebuilding their credit, featuring flexible approval criteria. These cards report to all three major credit bureaus, helping users establish credit.
- Commission: $22.50 per approved application.
- Cookie Duration:
- Affiliate highlights:
- Great for those with no or poor credit history.
- No minimum credit score requirements boost approval chances.
- Affiliates benefit from steady commissions due to strong demand.
- Join via: FlexOffers
12. Sainsbury's Bank Affiliate Program
Sainsbury's Bank is a UK-based bank offering credit cards with tailored benefits, such as travel rewards and bonus points for shopping at Sainsbury's stores.
- Commission: 35 GBP ($45 USD) per quote completed
- Cookie Duration: 30-45 days
- Affiliate highlights:
- Offers competitive rewards and discounts, especially for loyal customers.
- A well-known UK brand increases credibility and trust.
- High conversion rates due to appealing rewards structure.
- Join via: CJ Affiliates
Best Practices for Credit Card Affiliate Marketing
- Educational Content: Provide tips on using credit cards wisely to build trust with your audience.
- Targeted Promotions: Promote specific cards based on your readers’ needs, such as travel rewards or credit-building cards.
- Compliance: Ensure transparency with proper affiliate disclosures to maintain trust and meet legal guidelines.
Conclusion
Monetize your platform with credit card affiliate programs. Reach specific audiences – travelers, professionals, or credit builders – and drive revenue with targeted content. By understanding each program's strengths, you can build trust and provide value. Find your audience's perfect fit and optimize for maximum earnings.
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