What is the hottest niche in affiliate marketing?
If you said “credit card”, you are correct.
If you want to earn high commissions by promoting the best credit card affiliate programs, you are in the right place.
Here are our top 3 picks for collaborators;
- American Express
- Indigo Platinum Mastercard
- Credit Karma Associates
The #1 reason for the high demand in the credit card sector is that credit cards are always in high demand, and people are often looking for new and better credit card deals. The best part? Many credit card programs pay affiliates between $25 and $150 for a single sale.
If you are looking for a handpicked list of high-paying credit card affiliate programs then read on
Best Credit Card Affiliate Programs
1. American Express Affiliate Program
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $200 per sale
- Cookie Duration: 7 Days
About American Express
American Express Company (Amex) is one of the most popular American multinational financial services corporation that issues personal credit cards, small business credit cards, corporate credit cards, travel-related cards, and charge cards to consumers worldwide.
Founded in 1850, Amex has a significant global presence, with operations in more than 170 countries and territories. The company has a market capitalization of over $102 billion as of 2023.
Benefits of Promoting American Express
- Well-known brand: Amex is a globally recognized and trusted brand, making it an attractive option for consumers seeking a reputable credit card company.
- Purchase protection: Amex cards offer a variety of purchase protection benefits, including extended warranty protection, purchase protection, and return protection.
- High commissions: Amex offers affiliate marketers some of the highest commissions in the industry, with potential earnings of up to $200 per approved application for certain cards.
How to Sign Up for the American Express Credit Card Affiliate Program
To become an American Express credit card affiliate marketer, follow these steps:
- Visit the American Express Affiliate Program website: https://www.americanexpress.com/en-us/business/trends-and-insights/keywords/affiliate-marketing/
- Create an affiliate account: Provide your website or blog URL, contact information, and other relevant details.
- Review and accept the program terms and conditions: Ensure you understand and agree to the program’s guidelines and policies.
- Submit your application: Once completed, submit your application for review and approval.
- Receive approval and access affiliate resources: Upon approval, you’ll gain access to affiliate marketing materials, tracking tools, and promotional resources.
Start Promoting American Express Credit Cards
Once approved, you can start promoting American Express credit cards on your website or blog. Utilize various marketing strategies, such as creating informative blog posts, product reviews, and targeted banner ads, to attract potential customers and earn commissions.
2. Experian
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $8 per sale
- Cookie Duration: 10 Days
About Experian
Experian is one of the world’s largest global information services companies, providing data and analytical tools to clients in more than 90 countries. The company’s core businesses include:
- Consumer Services: Experian helps consumers access credit, manage their finances, and protect their identities.
- Business Information Services: Experian provides businesses with data and analytics to help them make informed decisions about credit risk, customer targeting, and fraud prevention.
- Decision Analytics: Experian’s decision analytics solutions help businesses make better decisions by providing them with insights from data.
Benefits of Promoting Experian
- Wide range of products: Experian offers a variety of products and services that you can promote as an affiliate, including credit reports, credit monitoring, credit repair, identity theft protection, and more.
- Strong brand: Experian is a well-known and trusted brand, making it easier to promote their products to your audience.
- High conversion rates: Experian’s products and services are in high demand, which means you can expect to earn a good commission from your referrals.
How to Sign Up for the Experian Credit Card Affiliate Program
To become an Experian credit card affiliate marketer, follow these steps:
- Visit the Experian Affiliate Page: https://getlasso.co/affiliate/experian/
- Complete the Affiliate Application Form: Provide your website or blog URL, contact information, and other relevant details.
- Review and Accept the Program Terms and Conditions: Ensure you understand and agree to the program’s guidelines and policies.
- Submit Your Application: Once completed, submit your application for review and approval.
- Receive Approval and Access Affiliate Resources: Upon approval, you’ll gain access to affiliate marketing materials, tracking tools, and promotional resources.
Start Promoting Experian Credit Card Products
Once approved, you can start promoting Experian credit card products on your website or blog. Utilize various marketing strategies, such as creating informative blog posts, product reviews, and targeted banner ads, to attract potential customers and earn commissions.
3. USAA Credit Cards
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $25 per lead
- Cookie Duration: 30 Days
There’s ONE unique thing about USAA credit cards: USAA is only available to active and retired military members and their families. So, they have a highly targeted set of customers who’re mostly disciplined with their payments.
What are the benefits offered by USAA cards?
Here are the main reasons to promote USAA credit cards.
Excellent choice for the military: This card is a great promotion option if some of your audience might be from the military. If you’re wondering, here are a few sets of people who are eligible for USAA cards.
- Active Duty military
- National Guard and Reservists
- Veterans who have honorably served
- Contracted ROTC Cadets and Midshipmen
- Officer and Warrant Officer Candidates
- Military spouses
- Children of USAA members
- Service Academy appointees
Hefty reward points: One more reason to promote USAA cards is that they offer generous rewards programs.
- For example, the USAA Cashback Rewards Plus American Express Card offers 5% cash back on gas purchases and on purchases made on military bases
- 2% cash back on supermarket purchases
- The USAA Preferred Cash Rewards Visa Signature Card offers 1.5% cash back on all purchases.
So, it’s easier to convince your audience to try their products, which ultimately results in more commissions for you.
How to sign up for the USAA credit card affiliate program?
You can visit this page to find more details about their affiliate program. Remember that the amount of commission you earn depends on the USAA credit card product that the person signs up for.
4. Credit Karma Affiliate
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $2 per new signup
- Cookie Duration: 30 Days
Credit Karma is a popular platform that allows you to check your credit score whenever you would like without paying any fees.
But it only pays up to $2 per every new sign-up. So consider it only if your website generates a ton of traffic.
What are the benefits offered by Credit Karma?
Wide range of services: Credit Karma offers a wide range of financial services you can promote as an affiliate, including;
- Credit cards
- Personal loans
- Mortgages
- Auto loans
- Insurance products
- Credit monitoring services
- Debt repayment services and more
Easy to promote: Credit Karma is a well-known brand which was founded in 2007. It has over 100 million users worldwide. This makes it easy to promote Credit Karma to your audience and convince them to sign up.
How to sign up for the Credit Karma affiliate program?
You can click on this link to join their affiliate program. Once you are approved, you will receive a unique affiliate link that you can use to promote Credit Karma and its products and services.
5. Avianca LifeMiles
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $200 per lead
- Cookie Duration: 30 Days
Are you targeting digital nomads and people who travel around the world? Then, promote the Avianca LifeMiles credit card.
If your target audience is mostly international travelers, you can refer to LifeMiles credit cards so they can earn and redeem miles to get exclusive rewards, discounts, etc.
LifeMiles airline partners include United, Air Canada, Lufthansa, Swiss, Austrian, Turkish, ANA, Asiana, Copa, and many more.
What are the benefits offered by Avianca?
The reasons to go for the Avianca LifeMiles card are;
- You can earn LifeMiles on every purchase you make with your card. You can redeem those points for flights, upgrades, etc
- You’ll get one free checked bag on all Avianca flights
- You can enjoy priority boarding on all Avianca flights
- You’ll get better discounts on Avianca flights when you book with your card
- No foreign transaction fees
- You’ll also get protection against unauthorized charges, cover for damage, travel insurance, and much more.
How to sign up for the Avianca credit card affiliate program?
You can visit this page to join an affiliate for Avianca LifeMiles.
6. Indigo Platinum Mastercard Affiliate
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $35 per lead
- Cookie Duration: 30 Days
Indigo Platinum Mastercard can be a good option for people who are looking for a credit card with no security deposit required.
With Indigo Platinum, prequalification is a fast and simple way to see if you’ll likely be approved for your credit card without damaging your credit score.
If you want to persuade people with lower credit scores, the Indigo Platinum Mastercard is an excellent choice, as people who’ve been declared bankrupt can apply for their card.
What are the benefits offered by Indigo Platinum Mastercard?
Here are the benefits of Indigo Platinum card for users;
- No security deposit is required, meaning you don’t have to pay upfront when you open the card.
- Cash back on purchases, as this card offers 1% cash back on purchases at eligible restaurants, gas stations, grocery stores, and mobile phone services.
- It can help rebuild credit scores, so you can convince people with a below-average credit history to try this card.
How to sign up for the credit card affiliate program?
You can visit this link to become an affiliate of Indigo Platinum Mastercard.
7. Capital One Affiliate Program
Key Benefits for Affiliate Marketers:
- Affiliate commission: For credit cards, you will earn a commission of 1% to 2% of the purchase amount. The commission rate will vary for other products.
- Cookie Duration: 30 Days
Capital One is one of the biggest American bank holding companies that offer a wide range of options, including credit cards, auto loans, banking, and savings accounts.
They also offer a “Refer-a-Friend” program, which allows you to earn rewards for each friend that becomes a card member.
What are the benefits offered by Capital One?
Here are some of the benefits of promoting the Capital One affiliate program.
Lots of earning opportunities: Affiliates have the potential to earn commissions for credit card applications, as Capital One offers lots of services.
Trusted brand: When you’re promoting Captial One, you’re recommending a trusted brand in the credit card industry. As an affiliate, you can use Captial One’s reputation and trust to attract potential customers.
How to sign up for the Capital One credit card affiliate program?
Visit this page to become an affiliate for their affiliate program.
8. Bankrate Credit Card Affiliate
Key Benefits for Affiliate Marketers:
- Affiliate commission: Varies on the products you promote
- Cookie Duration: 30 Days
Bankrate is one of the well-known personal finance websites offering many free tools and expert analysis to make better financial decisions.
Bankrate also offers a credit card referral bonus where you get an incentive that credit card issuers offer to cardholders for inviting their friends to apply for a card.
Here’s how it works: as a credit cardholder, you’ll get a unique link to share with your friends. Your friends will use that link to apply for the card. Once your friend’s card is approved, you get the bonus.
What are the benefits offered by Bankrate Credit Card Affiliate?
The major reasons to promote the Bankrate affiliate program are listed below.
Excellent benefits: There are a lot of benefits for affiliates who’re promoting Bankrate, which include;
- Monthly payouts
- Access to customer service
- Access to banners to promote their products
- User-friendly tracking and reporting interface
- It is totally free to join
Wide range of credit card offers: Bankrate, as a financial comparison platform, gives you access to a ton of different credit card offers from various banks. So, you can persuade different types of credit card holders to promote their products and make money.
How to sign up for the Bankrate Credit Card Affiliate program?
You can visit the official website page to join as an affiliate to start promoting their products.
9. Credit Sesame Affiliate
Key Benefits for Affiliate Marketers:
- Affiliate commission: Up to $3 to $6 per signup
- Cookie Duration: 30 Days
About Credit Sesame
Credit Sesame is a free credit monitoring and identity theft protection service that also offers a variety of credit-related products, including credit cards, home loans, auto loans, and credit builder. The company was founded in 2010 and is headquartered in San Francisco, California.
Benefits of Promoting Credit Sesame
- High payouts: Credit Sesame offers one of the best payouts in the credit card industry, with commissions ranging from $3 to $6 per signup.
- Long cookie window: Credit Sesame has a generous 30-day cookie window, which means that you’ll still receive a commission if someone signs up for their service within 30 days of clicking on your affiliate link.
- Wide range of products: Credit Sesame offers a variety of products to promote, so you can target a wide audience.
How to Sign Up for the Credit Sesame Affiliate Program
To become a Credit Sesame affiliate marketer, follow these steps:
- Visit the Credit Sesame Affiliate Program Page: https://secured.creditsesame.com/
- Create an Affiliate Account: Provide your website or blog URL, contact information, and other relevant details.
- Review and Accept the Program Terms and Conditions: Ensure you understand and agree to the program’s guidelines and policies.
- Submit Your Application: Once completed, submit your application for review and approval.
- Receive Approval and Access Affiliate Resources: Upon approval, you’ll gain access to affiliate marketing materials, tracking tools, and promotional resources.
Start Promoting Credit Sesame Products
Once approved, you can start promoting Credit Sesame products on your website or blog. Utilize various marketing strategies, such as creating informative blog posts, product reviews, and targeted banner ads, to attract potential customers and earn commissions.
Frequently Asked Questions About Credit Card Affiliate Programs
How much do credit card affiliates make?
The amount of commission you earn as a credit card affiliate depends on the specific affiliate program you join. Average commissions range from $20 to $200+ per approved application.
Which is the highest-paying credit card affiliate program?
American Express is among the highest-paying credit card affiliate programs, offering up to $200 per approved referral.
How do credit card affiliate programs work?
To become a credit card affiliate, you first need to choose and apply to an affiliate program. Once approved, you’ll receive a unique referral link. Share this link on your website, social media platforms, or other promotional channels. When a visitor clicks on your link and applies for a credit card through your referral, you’ll earn a commission if the application is approved.
Are there any credit card affiliate programs that are great for travelers?
Yes, Avianca LifeMiles is an excellent credit card affiliate program for travel enthusiasts. It allows cardholders to earn LifeMiles on every purchase, which can be redeemed for flights, upgrades, and other travel rewards.
How are payments made in credit card affiliate programs?
Commission payments are typically made through PayPal, direct bank deposits, or checks. The specific payment method may vary depending on the affiliate program.
Final Thoughts on Business Credit Card Affiliate Programs
How much commission you can earn from a credit card affiliate program will depend on many things, such as the credit card, your website traffic, etc.
However, most programs pay a $25 to $100 commission per approved credit card application. Some programs, like Credit Karma, also pay per signup.
What are your thoughts on the affiliate programs listed here? Do you have any further questions? Tell us in the comments.
