16 Greatest Credit score Card Affiliate Packages Of 2022


Sure, the bank card area of interest is aggressive.

However that additionally means one factor – there’s cash to be made by selling the appropriate bank card affiliate applications.

Bear in mind, that is an business that’s value US$3.32 trillion per year.

Which is why the large bank card affiliate entrepreneurs make 6-figures per thirty days. 

Does that appear like an unimaginable stage of earnings to realize?

It’s not, and right here’s proof of what we routinely make from our affiliate internet marketing enterprise:

Affiliate Earnings

And when you see simply how a lot a number of the presents featured in our roundup of bank card affiliate applications really pay, you’ll perceive that incomes life-changing earnings is completely doable by selling bank cards.

Let’s get to it.

Credit score Card Affiliate Packages

  1. American Categorical
  2. Bankrate Credit score Playing cards
  3. USAA Credit score Playing cards
  4. Credit score.com
  5. Luxurious Card
  6. Fee Soup
  7. Scotiabank Credit score Playing cards
  8. Capital Financial institution (OpenSky Credit score Playing cards)
  9. Improve Credit score Card
  10. Avianca LifeMiles Credit score Card
  11. Indigo Platinum MasterCard
  12. Credit score Karma
  13. Credit score Help Community
  14. Experian
  15. BankAffiliates.com
  16. Petal Visa Card

American Categorical

American Express Homepage

American Express (or Amex for brief) is among the large three bank card firms, together with Visa and Mastercard.

And though this model has turn into synonymous with bank card utilization, it’s additionally obtainable exterior the USA.

Like in Canada, for instance – the place the corporate has been in enterprise since 1853.

However clearly not offering bank cards again within the days of the wild west.

Your Canadian guests can reap the benefits of all the standard perks of being an American Categorical person, like getting a cash-back or versatile rewards card.

Plus you possibly can earn your self fairly a big chunk of change for referring new prospects by way of the American Categorical bank card associates program.

How a lot do they pay their associates?

Wherever as much as CA$200 per lead.

Which makes this probably the most profitable bank card affiliate applications listed right here.

However you solely receives a commission for an accepted utility, not simply purposes submitted.

Which is clearly there to cease individuals spamming the shit out of this supply – this occurs on a regular basis with monetary companies affiliate applications.

This large monetary incentive for associates additionally explains their EPC of $644.89.

URL: American Express Canada affiliate program

Fee: As much as $200 per sale

Cookie period: 7 days

Bankrate Credit score Playing cards

Bankrate Credit Cards Homepage

Bankrate really began out as a print writer providing monetary recommendation to its readers approach again in 1976.

They took their data enterprise on-line in 1996, and Financial institution Price Credit score Playing cards was a part of their drive to offer their viewers with detailed data on what the very best bank card was for his or her particular person wants.

The neat factor about Bankrate is that they function as an affiliate for card applications, but in addition as a bank card affiliate community in their very own proper.

This gives affiliate entrepreneurs such as you with the chance to advertise bank card presents with out really having to be a direct affiliate of the cardboard firm itself.

And that features all the key gamers out there like Chase, Uncover, and Amex, amongst many others.

Clearly being a sub-affiliate for his or her particular person bank card affiliate applications usually means you gained’t earn as a lot as when you labored immediately with the cardboard issuer. 

ut with bank card presents routinely paying anyplace from $50 to $200 per signup, you possibly can nonetheless earn fairly some huge cash by way of the Bankrate bank card community.

URL: Bankrate Credit Cards affiliate program 

Fee: TBC

Cookie period: TBC

USAA Credit score Playing cards

Ussaa Credit Cards Homepage

USAA has been offering monetary companies to lively and retired members of the USA navy group since 1922.

Beginning out as an auto insurance coverage supplier, they went on to provide their prospects with banking, mortgage, funding, actual property, and retirement services and products.

However they’re additionally one of many main bank card suppliers, supplying bank cards by Visa and Amex.

And your potential viewers for these playing cards is any of the 24+ million personnel within the armed forces of the USA.

So in case your viewers accommodates lively or retired navy personnel in search of a mainstream bank card, with a lot of perks, then that is an associates program so that you can add to your portfolio.

Now for the not-so-great information – you’ll solely make $20 per accepted bank card. A few of the different bank card affiliate applications we’ve seen pay fairly a bit extra.

So that is approach down the ladder for payouts presents of this sort.

However you can be interesting to a really area of interest market, so there gained’t be as a lot competitors as with the extra mainstream bank cards.

Plus, top-performing associates can all the time ask for a greater fee charge. 

And when you’re going to enter the bank card area of interest then you definitely’re right here for one factor – cash.

URL: USAA Credit Cards affiliate program

Fee charge: As much as $20 per lead

Cookie period: 30 days

Credit score.com

Credit.com Homepage

Credit.com sells itself as a free credit score scoring service.

However in addition they act as a worth comparability website for every little thing from loans and auto insurance coverage to bank cards.

This makes them fairly much like Bankrate in that they’re an affiliate writer however in addition they run a bank card community for affiliate entrepreneurs. 

And once more this offers you entry to affiliate bank card presents from the most important names within the business, similar to Citi, Chase, Amex, First Progress, Mastercard, Group One, and lots of others.

The identical forms of bank card affiliate applications that often solely work with tremendous associates.

Credit score.com has a bank card to swimsuit just about any area of interest viewers you possibly can consider, together with individuals with terrible FICO scores.

So your guests will have the ability to discover the very best bank card for his or her particular person wants.

That each one sounds fairly superb, proper?

And it’s, besides there’s one teeny, tiny downside – the Credit score.com associates program is closed proper now.

That would imply they’re sick of coping with associates utilizing cookie stuffing, or any of the opposite crap that a few of them use.

Or it may imply that they function a much more unique bank card associates program than most others.

I’m guessing on the latter, so it is perhaps an thought to drop a fast e mail to their affiliate help group.

URL: Credit.com affiliate program

Fee: Varies

Cookie period: TBC

Luxurious Card

Luxury Card Homepage

Luxury Card, because the title suggests, isn’t your typical bank card.

It’s very a lot concentrating on the premium bank card market, which you’ll be able to inform once you first choose it up as a result of it’s constructed from a combination of stainless-steel and carbon.

Plus you possibly can order a pure gold model of it.

So yeah, this card is for a really particular market and earnings bracket i.e. rich individuals.

What your guests get is a premium card that provides cashback at 2% and air miles redeemed at a charge of two%, however with no blackout dates or seat restrictions.

There’s the added perk of gaining access to airport lounges in a lot of places.

You additionally get a 24/7 concierge service made obtainable to you by cellphone, e mail or reside chat – you need to use that for every little thing from making a lodge reservation to discovering the proper reward for a beloved one.

So, you’re questioning how a lot you possibly can earn by way of the Luxurious Card bank card associates program?

A whopping $405.

That is the best payout of all of the bank card affiliate applications listed right here. 

Fee charges at this stage don’t come alongside fairly often, so make hay whereas the solar shines, proper?

Simply keep in mind that there’s a separate utility course of on Flexoffers for these presents– it’s like a sub bank card community inside the primary community.

URL: Luxury Card affiliate program

Fee: $405 per sale

Cookie period: 30 days

Fee Soup

Commission Soup Homepage

You’re most likely conversant in all the key affiliate networks like CJ, ShareASale, Linkshare, and so forth.

However have you ever ever heard of Commission Soup?

They’ve been within the efficiency advertising and marketing recreation – specializing in monetary companies presents – for 20 years now.

Mainly, they’re a tenured CPA community that makes a speciality of bank card presents, so that they’re not precisely mainstream.

Until in fact, you’re in search of these forms of merchandise to advertise, during which case Fee Soup is up there with Bankrate.com and Credit score.com by way of what they’ve on supply.

Lengthy story brief, most main bank card firms “retired” from operating their very own affiliate applications after the 2008 monetary crash.

All these pre-approved bank cards with ridiculous credit score traces induced fairly a little bit of dangerous press for them and their associates.

So now any affiliate seeking to entry such applications has to undergo an middleman like Fee Soup as a substitute.

Their ‘Inexperienced Dot Primor Mastercard’ is a typical instance of the forms of bank card affiliate applications you’ll discover inside Fee Soup.

It is a secured bank card, which gives individuals with a horrible FICO rating the prospect to enhance it.

Plus, selling secured bank cards is extra “area of interest”, so meaning much less competitors to your website.

You even have an enormous viewers to advertise to i.e. anybody with bad credit report.

And from 2020 to 2030 that would embody a whole lot of tens of millions of individuals.

Trace: There are virtually 1,000 key phrases with a KD rating of 20 or underneath so that you can work with.

URL: Commission Soup affiliate program

Fee: Varies

Cookie period: Varies

Scotiabank Credit score Playing cards

Scotiabank Homepage

Scotiabank has been round since 1831 when a gaggle of businessmen determined to arrange their very own public financial institution to compete with the non-public financial institution serving the individuals of Halifax. 

190 years later they usually have branches in 55 international locations, and over 19 million prospects, because of enlargement and buying banks in different international locations.

Along with their banking companies in addition they supply the next forms of bank cards to their prospects in Canada and North America:  journey rewards, cashback, low APR, and pupil playing cards.

So there’s lots to work with by way of affiliate applications throughout a number of niches.

Members of Scotiabank’s associates program will obtain a flat fee cost of CA$99 for every accepted referral who clicks their affiliate hyperlink.

This converts to about US$70, which continues to be fairly respectable for any sort of associates program.

The humorous factor about presents with a excessive payout is that almost all beginner associates keep away from them as a result of they assume there’ll be an excessive amount of competitors.

That’s hardly ever the case.

URL: Scotiabank affiliate program

Fee: As much as CA$99 per accepted card

Cookie period: 30 days

Capital Financial institution (OpenSky)

Opensky Homepage

Simply in case you’re confused – the OpenSky credit card is definitely provided by Capital Financial institution.

They only selected to advertise by way of its personal area slightly than immediately on their very own web site.

That is most likely additionally as a result of Capital Financial institution is a regional financial institution serving New York state, so it is a branding transfer on their half.

In any case, what’s the OpenSky bank card?

The title would possibly elicit ideas of worldwide journey, nevertheless it’s really a secured bank card.

In order that makes this program best for anybody running a blog about private finance, managing debt, or bettering their credit score rating.


As a result of a secured bank card is the quickest and most secure approach to enhance your FICO rating.

Meaning there’s tons of potential right here, particularly in case your content material helps individuals who’ve needed to declare chapter.

Associates will obtain $25 for each profitable referral to the OpenSky associates program.

That is clearly on the low finish of the size, particularly once you evaluate it to a number of the different applications on this roundup.

However right here’s the factor – there’s no credit score scoring for this card, so actually anybody can get one.

And so they additionally mean you can market this supply through e mail, which is uncommon on this area of interest.

All of which elevate Open Sky – regardless of the low payout – to being among the finest bank card affiliate applications on the market.

URL: Capital Bank affiliate program

Fee: $25 per sale

Cookie period: 30 days

Improve Credit score Card

Upgrade Credit Card Homepage

The Upgrade credit card brings one thing new to the market.

Your guests can get a acknowledged Visa bank card with a credit score line of as much as US$20,000.

However with out the punishing rates of interest that come tied to most different playing cards.

As an alternative, you wind up paying an rate of interest nearer to a private mortgage, so you possibly can repay your excellent card stability that bit faster.

Within the instance they use, meaning with the ability to repay $14,000 in two years as a substitute of 28 years.

Clearly, encourage your viewers to do their due diligence when signing up for any monetary services or products.

The Improve bank card associates program pays a flat charge of $60 for each one among your guests who’s accepted for an Improve card.

However keep in mind that an individual’s credit score rating dictates the dimensions of the road of credit score they get with this card.

URL: Upgrade credit card affiliate program

Fee: $60 per referral

Cookie period: 30 days

Avianca LifeMiles Credit score Card

Avianca Homepage

The Avianca LifeMiles credit card is one for the worldwide traveler or digital nomad viewers.

When you plan to journey to South America quite a bit and wish all these air miles, then Avianca has one of many main presents available on the market.

For starters you get 0% APR to your first 12 months, then a variable charge after that.

There aren’t any overseas transaction charges, you get safety in opposition to unauthorized prices, cowl for injury in auto collisions and journey accident insurance coverage.

Plus, as we already mentioned, all these beautiful air miles.

And now we get again as much as the higher-end of bank card associates program payouts as a result of selling this card can put as much as $200 per referral in your pocket.

You’d clearly be selling it to one thing of a distinct segment viewers, however 15 “gross sales” per thirty days would put an additional $36,000 in your pocket annually.

That is the second-highest paying of the affiliate applications on this roundup.

URL: LifeMiles credit card affiliate program

Fee: As much as $200 per referral

Cookie period: 30 days

Indigo Platinum Mastercard

Indigo Homepage

Clearly we’d all love an ideal credit score rating, however for many individuals, that’s simply not a actuality. The truth is, one study claims that greater than half of Individuals have been turned down for a bank card, mortgage, or automotive as a result of a poor credit score historical past.

For a few of these individuals, the perfect resolution is a bank card tailor-made particularly to prospects with decrease credit score scores. 

And that’s exactly the place the Indigo Platinum Mastercard is available in. Even individuals who’ve been declared bankrupt can apply — and since all Indigo card funds are reported to the three main credit score bureaus, it may possibly assist them construct up a constructive cost historical past.

The Indigo Platinum Mastercard is an unsecured bank card, so customers don’t have to put down a refundable safety deposit, and pre-qualification is fast, straightforward, and doesn’t have any influence on an individual’s credit score rating.

URL: Indigo Platinum Mastercard affiliate program

Fee: 5%

Cookie period: TBC

Credit score Karma

Credit Karma Homepage

Credit score Karma doesn’t run a standard bank card associates program — there’s no such factor as a Credit score Karma bank card.

As an alternative, it presents free credit score scores and credit score experiences, in addition to recommending an unlimited vary of private finance merchandise, from bank cards and private loans to automotive and residential insurance coverage.

Greater than 100 million individuals use the Credit score Karma app, which had a 4.7-star ranking from 7,800 opinions on the App Retailer at time of writing. In different phrases, it’s constructed an enormous viewers and is clearly good at what it does, which naturally makes for a better promote for associates.

Sadly, it’s not all excellent news. Incomes a fee by way of the Credit score Karma associates program might be difficult, as a result of it solely presents a fee on on-line mortgage submissions.

It’s an understatement to explain mortgages as a reasonably substantial monetary choice, so count on an extended conversion funnel right here.

URL: Credit Karma affiliate program

Fee charge: $12 per on-line mortgage submission

Cookie period: 30 days

Credit score Help Community

Credit Assistance Network Homepage

Right here’s one other one which isn’t a bank card associates program within the strictest sense. 

Reasonably than providing its personal bank cards, the Credit score Help Community is a number one mild within the credit score restore business, and has been since 2004.

So in case your viewers needs a bank card however doesn’t have a powerful sufficient credit score rating, this might be the answer they’ve been in search of.

After all, it’s not only for individuals planning to use for a bank card. It assists with a variety of credit score restore points, from inflated and expired money owed to brief gross sales and foreclosures. That offers you loads of alternative to monetize your visitors.

Speaking of monetization, the Credit score Help Community’s associates program pays commissions of $1.25 per lead and $95 per sale, with a beneficiant 365-day cookie window — the longest of all of the bank card affiliate applications we’ve checked out.

URL: Credit Assistance Network affiliate program

Fee charge: $95 per sale

Cookie period: one year


Experian Homepage

Experian is among the “large three” credit score rating suppliers, alongside Equifax and TransUnion.

Shoppers in dozens of nations depend on Experian to inform them about their credit score rating and supply them sensible recommendation to enhance it.

Meaning there’s fairly substantial demand for the group’s companies, to say the very least.

In any case, credit score performs an element in so many points of each day life, from renting or shopping for a property to taking out a cellphone contract and — clearly — making use of for a bank card.

In different phrases, there’s an unlimited viewers for Experian’s monetary merchandise, which implies loads of scope for selling its associates program.

As with a number of the different bank card affiliate applications on this record, Experian’s providing is a bit more complicated than we’d desire. 

Particularly, you earn a fee when somebody you refer indicators up for Experian Join, a service that enables shoppers to share their credit score data with third events (like landlords or finance suppliers).

URL: Experian affiliate program

Fee charge: TBC

Cookie period: TBC


Bank Affiliates Homepage

BankAffiliates.com is an affiliate community devoted to affiliate applications throughout a number of finance-related niches, together with insurance coverage, financial institution accounts, bank cards, credit score restore, and private loans. In different phrases, it’s a bit like Fee Soup.

Based on BankAffiliates.com itself, it really works with advertisers and businesses to supply affiliate entrepreneurs “a number of the highest payouts within the business”. 

Sadly, it doesn’t go into what these charges really are. Naturally, they fluctuate from one associates program to a different, so that you’ll simply have to enroll to see what you possibly can earn.

Past primary fee charges, BankAffiliates.com additionally runs common contests and month-to-month bonus applications, so there’s loads of scope to earn more money right here.

What’s extra, the BankAffiliates.com group is made up of present and former affiliate entrepreneurs who’re pleased to advise on methods to drive extra visitors or goal worthwhile new channels.

URL: BankAffiliates.com affiliate program

Fee charge: Depending on program

Cookie period: Depending on program

Petal Visa Card

Petal Homepage

Very like the Indigo Platinum Mastercard, the Petal Visa Card is aimed squarely at individuals seeking to construct up their credit score rating. It has excessive limits, low rates of interest, and no charges, making it a horny possibility for shoppers with bad credit report.

Petal has devised a wise system to assist it qualify potential prospects. Reasonably than wanting solely at somebody’s credit score rating, it takes into consideration how a lot cash they earn and the payments they pay. 

This strategy permits it to approve individuals even when they’ve by no means had a credit score rating. As an added bonus, it allows Petal to supply personalized limits that match the wants of particular person customers.

Actually, it looks like such a easy resolution, I can’t work out why each bank card firm doesn’t do it.

Okay, so how concerning the Petal Visa bank card associates program? Nicely, it pays $15 per signup with a 30-day cookie period.

So it’s not the very best bank card associates program by way of one-off commissions, however there’s undoubtedly nonetheless cash to be made right here.

URL: Petal Visa Card affiliate program

Fee charge: $15 per signup

Cookie period: 30 days

Over to You

This isn’t precisely an thrilling area of interest to be in.

And it’s a fiercely aggressive area of interest, too – it’s fucking cutthroat, to be sincere.

However as you possibly can see from the above bank card affiliate applications, you possibly can earn a ton of money by selling bank cards.

You’ll even have seen there’s no “greatest” bank card to advertise i.e. secured playing cards will swimsuit one viewers, whereas air miles playing cards will swimsuit one other.

That each one comes right down to understanding your area of interest and dealing in one which’s broad sufficient to depart you with loads of alternatives to advertise totally different presents.

However when you’re not even positive what a distinct segment is, then why not take a look at our free coaching on affiliate internet marketing?

You’ll doubtlessly be taught extra in two hours of us sharing what we all know than you’ll get from the vast majority of paid “coaching” programs.


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