April 21, 2022

Credit cards have become a staple in the last few decades. Most people have one – if not several – in their wallets.

And because of this, credit card affiliate programs have become more popular as well!

So if you own a credit card website, why not take advantage of these affiliate programs?

But with all the credit card affiliate programs out there, it can be hard to tell which ones are worth joining.

That’s why we’ll be covering the 13 best credit card affiliate programs today!

What are the Best Credit Card Affiliate Programs?

Here are the 13 best credit card affiliate programs you can sign up for:

For each affiliate program, we’ll go into their commission rate, cookie duration, target audience, pros, and cons.

So let’s get reviewing!

American Express

Source: https://getlasso.co/affiliate/american-express/

13 Best Credit Card Affiliate Programs

Commission Rate: Up to $200 per sale

Cookie Duration: 7 days

American Express is one of the big three when it comes to credit card companies. And luckily for you, they offer one of the highest-paying credit card affiliate programs!

That’s right, you can earn up to $200 per sale.

However, you only get paid for applications that get approved. So not everyone that clicks your affiliate link will earn you a commission.

Still, even if 3 people get approved, then you’ll already earn big.

American Express is also a great affiliate program because of its resources. It comes with APIs, technical assistance, and 24/7 customer support so that you don’t have to deal with any of the fuss.

Bankrate Credit Cards

Source: https://bankratecreditcards.com

13 Best Credit Card Affiliate Programs

Commission Rate: Up to $200 per signup, plus 40% rev-share

Cookie Duration: 30 days

If you’re looking for a credit card network that can offer affiliate programs for more than just one credit card, then Bankrate Credit Cards is perfect for you!

Bankrate Credit Cards manages affiliate programs for several companies, including American Express, Chase, Capital One, and Discover.

There are over 300 different affiliate programs available through Bankrate. Each program has a representative for customer support. And, each comes with tracking and performance tools for easy use.

So, if you want an affiliate program that allows for a variety of choices and comes with a high payoff, check out Bankrate Credit Cards.

Avianca LifeMiles

Source: https://getlasso.co/affiliate/avianca-lifemiles-credit-card/

13 Best Credit Card Affiliate Programs

Commission Rate: Up to $200 per lead

Cookie Duration: 30 days

The Avianca LifeMiles Credit Card affiliate program is another high-paying program, but, unlike American Express, it has a more niche audience.

The Avianca LifeMiles Credit Card is useful for those who frequently travel all over the world and need air miles.

It comes with 0 foreign transaction fees, as well as a 0% APR for the first year. You also receive protection against unauthorized charges and insurance for travel accidents and car crashes.

So, if you have the audience for it, definitely try to take part in this affiliate program. Even if you only get a few successful referrals each month, that could result in thousands more dollars by the end of the year!


Source: https://www.experian.com/connect

13 Best Credit Card Affiliate Programs

Commission Rate: Up to $100 or up to 20% of the revenue

Cookie Duration: Varies, but typically 10 to 45 days

Experian is one of the top three companies when it comes to providing credit and financial reports. It’s used in countries all over the world to improve credit scores, reduce debt, and obtain credit cards and car loans.

Because of this, you can market its financial services to a wide audience all over the world, which makes it a great affiliate program.

Experian’s affiliate program pays for each referral to Experian Connect. Experian Connect allows individuals to conveniently share their credit scores, which can be useful for getting a loan or an apartment.

Since almost everyone uses credit scores and financial services nowadays, Experian’s affiliate program can really boost your earnings.

Upgrade Credit Card

Source: https://getlasso.co/affiliate/upgrade/

13 Best Credit Card Affiliate Programs

Commission Rate: Up to $60 per lead

Cookie Duration: 30 days

Upgrade’s credit card is a Visa Card. Its credit line can go up to $20,000, depending on an individual’s credit score.

But what makes its credit card a great deal is the fact that it has extremely low-interest rates that are closer to loan interest. Plus, there are no annual fees.

This makes it easy for anyone to pay their card balance. In turn, that makes it attractive to a wide audience.

The way Upgrade’s credit card affiliate program works is by paying you for every approved application.

So though it isn’t the highest paying program, the Upgrade credit card is something that a lot of people want to get a hold of. This way, you might be seeing more sales.

Credit Assistance Network

Source: https://getlasso.co/affiliate/credit-assistance-network/

13 Best Credit Card Affiliate Programs

Commission Rate: $1.25 per lead, and $95 per sale

Cookie Duration: 365 days

The Credit Assistance Network provides financial services that assist people with a variety of issues, including credit score improvement, debts, short sales, home loans, clearances, foreclosures, liens, and repossessions.

Because of its wide range of services, the Credit Assistance Network can be helpful to almost anyone. This makes them very easy to market to your viewers.

Unlike many other affiliate programs, the Credit Assistance Network pays twice – once for each lead, and then once for each sale.

On top of all of that, the Credit Assistance Network also offers the longest cookie duration of all the credit card affiliate programs on this list!


Source: https://www.viglink.com/merchants/23466/transunion-affiliate-program

13 Best Credit Card Affiliate Programs

Commission Rate: $20 for every 7-day trial and $45 for every paid product

Cookie Duration: 45 days

Similar to Experian, TransUnion specializes in credit and finances. Its services include credit protection, credit reports, and security alerts.

When it comes to TransUnion’s affiliate program, there are 2 main directions you can go.

You can either market their 7-day trial (which costs $1) or market their paid products. They also offer credit cards, making it easily marketable to a wide audience.

What’s more, TransUnion has other offers, for which you may be able to earn twice over if the customer goes from a trial to a paid product.

A big perk of TransUnion’s affiliate program is that it comes with free tracking tools and advertising materials, so you don’t have to worry about that!


Source: https://www.commissionsoup.com/enroll/


Commission Rate: Varies, but typically $10 to $40

Cookie Duration: Varies, but typically 30 days

CommissionSoup is a tenured CPA network that offers financial services and credit cards. They serve as an intermediary for affiliate programs.

A good example of their selection of credit cards is the Green Dot Primor MasterCard, a secured credit card that allows individuals to improve their FICO score.

Because they offer a wide variety of credit card offers, they can be easily marketed to a large audience.

And because they have more niche offers, like secured credit cards, CommissionSoup allows you to target niche audiences for less competition.

Indigo Platinum MasterCard

Source: https://www.commissionsoup.com/programs/indigo–platinum-mastercard–credit-card/?

Indigo Platinum MasterCard

Commission Rate: $35 per lead, and 5% of total sale

Cookie Duration: TBC

The Indigo Platinum Mastercard affiliate program is another program that’s perfect for audiences with low credit scores.

As you know, it’s often hard to get a credit card if you have a low credit score. But the Indigo Platinum Mastercard breaks down these barriers by allowing anyone to apply – even those who’ve gone bankrupt!

Through the Indigo Platinum Mastercard, individuals will be able to improve their credit score by establishing a good payment history.

The Indigo Platinum Mastercard is also unsecured, which means it doesn’t require a security deposit and is even easier for people to sign up for.

So if you sign up for their affiliate program, all you need to do is market the credit card to your viewers, and the affiliate network will evaluate your traffic for you!

Petal Visa Card

Source: https://app.impact.com/campaign-promo-signup/Petal-Card.brand?execution=e1s1

Petal Visa Card

Commission Rate: $36 per lead, and $15 per signup

Cookie Duration: 30 days

Similar to the Indigo Platinum Mastercard, the Petal Visa Card makes it easy for individuals to get a credit card with high limits, even if they have a low credit score.

It does this by looking at an individual’s credit score, income, and expenses. By doing so, they can approve anyone – even people who have no credit score at all.

It also helps people increase their credit score by offering low-interest rates and no fees!

If your viewers need to improve their credit score or establish their credit score, this is a great affiliate program to market to them.

USAA Credit Cards

Source: https://www.flexoffers.com/affiliate-programs/usaa-affiliate-program/

13 Best Credit Card Affiliate Programs

Commission Rate: $25 per lead

Cookie Duration: Up to 30 days

USAA is a financial company that provides retirement, investment, mortgage, banking, real estate, and auto insurance services and products. They also offer credit cards, including cards from Visa and American Express.

Admittedly, USAA’s audience is a bit limited. They cater to members of the United States military community, active or retired.

However, if your audience has any overlap with the United States military community, this can actually work in your favor. You can take advantage of the niche, which will have less competition and a more specific audience that you can market to.

So, if you plan on marketing to individuals who are in, or are related to, the United States military, this is a great affiliate program to join!

Capital Bank OpenSky Credit Card

Source: https://getlasso.co/affiliate/capital-bank/

13 Best Credit Card Affiliate Programs

Commission Rate: $25 per sale

Cookie Duration: 30 days

Capital Bank is a regional bank that serves the state of New York. However, it also happens to be the bank that offers the OpenSky Credit Card!

The OpenSky Credit Card is a secured credit card, making it a great and efficient credit card for anyone who wants to improve their FICO score.

The OpenSky Credit Card also doesn’t use credit scoring, so anyone can get one – whether they’ve never had a credit score before, they have a low credit score, or they’ve been declared bankrupt.

But what makes their affiliate program special is the fact that Capital Bank allows you to market the OpenSky Credit Card through emails!

This makes it a great affiliate program if you prefer to do email marketing.

Credit Karma

Source: https://www.flexoffers.com/affiliate-programs/credit-karma-affiliate-program/

Credit Karma

Commission Rate: $12 per online mortgage submission

Cookie Duration: 30 days

The last affiliate program on our list is the Credit Karma affiliate program.

Credit Karma offers financial services and products, including credit scores, credit reports, credit cards, loans, and insurance.

Because of its wide range of offerings, it has an enormous user base consisting of millions of people. This makes it even easier to market since it has an established reputation.

However, unlike the other affiliate programs, it’s harder to earn through the Credit Karma affiliate program.

It doesn’t pay for just any lead, referral, or sale; it only pays for every online mortgage that is submitted through your affiliate links.

But, if your audience is highly interested in mortgages, this could still be a great affiliate program for you!


As you’ve seen, there is a wide range of credit card affiliate programs that you can choose to join.

Many come with high payoffs and wide audiences that you can tap into. These are great if you have viewers that are into a variety of things.

But the great thing about credit card affiliate programs is that some can also appeal to niches, such as the United States military or people with low credit scores.

By analyzing your viewers and matching them up to the targeted audiences for these credit card affiliate programs, you’ll be able to reap the rewards of affiliate marketing!

So what are you waiting for?

Choose a credit card affiliate program today and get started!

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