The Best Credit Card Affiliate Programs

The credit card industry is highly competitive, and it pays to be an informed consumer. 

Credit card affiliate programs enable consumers to make informed decisions when considering a new card or switching their current one. 

This article will explore some of the best credit card affiliate programs.

The 5 Top Credit Card Affiliate Networks

Which Would You Use? Credit Card Or Cash?

The Bank Rate Credit Card affiliate 

The BankRate Credit Card Affiliate Program is an exclusive program designed to help affiliates create new income streams. 

This program offers a variety of features and benefits, including commissions on approved credit card application submissions, eligibility for merchant cash advances, and access to a wide range of card-based products and services. 

The Commission Soup Affiliate Network 

Commission Soup is the premier affiliate network for credit card programs. 

It offers excellent payout rates and incentivized promotions for new and existing members. 

They also have a comprehensive tracking system, so affiliates can easily monitor their performance. 

Furthermore, Commission Soup has an extensive list of credit card programs, which means there are ample opportunities for affiliate marketers to make money.

The FlexOffers Affiliate Network

FlexOffers is one of the most well-known and successful programs in the credit card space. 

It offers affiliates a wide range of Credit Card offers from Visa, Mastercard, American Express, and Discover

Affiliates can promote cashback rewards cards, travel reward cards, 0% APR balance transfer cards, or business cards.

The Bank Affiliates.Com Affiliate Network

It’s no surprise that Bank Affiliates.Com holds one of the best credit card affiliate programs positions — they have one of the most comprehensive and competitive offerings and outstanding customer support.

They provide affiliates with access to over 50 different banks and lenders, plus an extensive range of rewards cards from major players like American Express, Discover, and MasterCard. 

Commissions start at 8% but can go up to 25%, depending on your promotional card offer. 

The CJ Affiliate Network (Commission Junction)

The CJ Affiliate Network is among the oldest and most reliable affiliate programs.

CJ offers various credit card products from over 250 well-known providers, such as American Express, Bank Of America, and Chase. 

CJ has excellent tracking tools that allow you to monitor your real-time performance. 

You can get detailed reports on where your traffic is coming from and what’s working best for you. 

Related Reading: Best Affiliate Programs For Beginners – Read About Them Here.

The 15 Top Credit Cards Affiliate Programs

Amex- American Express 

American Express offers one of the most robust and rewarding credit card affiliate programs. 

They offer up to 5% commission rates on approved applications, plus the possibility of additional incentives and bonuses. 

As an Amex affiliate, you can use marketing tools and materials like banners, promotional codes, and customer emails. 

You can also use their customer service team to help with questions or issues. 

Indigo Platinum Mastercard 

It has a good rewards program that lets you earn up to 2% cash back on purchases that qualify and get special discounts, like 10% off at some restaurants and stores. 

With no annual fee and an introductory 0% APR on balance transfers, the Indigo Platinum Mastercard is ideal for those looking to build or rebuild their credit.

Capital Bank – Open Sky Credit Card 

It is one of the best credit card affiliate programs on the market. 

The Open Sky Credit Card from Capital Bank has competitive rewards, cash back, and sign-up bonuses. 

It doesn’t charge any annual or foreign transaction fees, which makes it an excellent choice for people who frequently travel abroad. 

Also, customers can get up to twice as many points for every purchase and save 15% on certain items at participating retailers. 


Affiliates who want to profit from their blog or website can benefit from Experian’s Best Credit Card Affiliate Program

The program offers competitive commissions and customizable programs, making promoting the best credit cards from leading issuers easy. 

Petal Visa Card

The Petal Visa Card is an excellent choice for those looking to improve their credit scores while earning cashback rewards. 

With this program, users can earn up to 2% cash back on all purchases and up to 5% on select streaming services. 

Furthermore, Petal never charges late fees.

It also has a total rewards program that lets users get gift cards, statement credits, and discounts on travel with their rewards. 

Millions of merchants worldwide accept this credit card with no annual fee.

USAA Credit Cards 

USAA credit cards offer great rewards, low-interest rates, and no annual fees. 

They are one of the world’s most popular credit card affiliate programs. 

USAA credit cards also have a high conversion rate, which makes them attractive to merchants. 

Merchants can earn up to $25 per application with USAA.

Luxury Cards

Luxury credit cards offer extra rewards and incentives for higher-income people. 

These cards have more extensive lines of credit, free travel benefits, concierge services, and lower interest rates than traditional cards. 

Luxury card programs pay out up to $50 per approved application.

Scotia Bank Credit Cards 

The Scotia Bank credit cards range from basic, no-fee cards to premium travel and rewards options. 

Depending on the type of credit card you choose, customers may be eligible to earn bonus points, cash back on their purchases, and other exclusive offers. 

Scotia Bank also offers a competitive rewards program. 

Customers can redeem their points for travel, merchandise, or even cash back. 

Upgrade Credit Cards 

The Scotia Bank Upgrade Credit Card provides a great way to get more rewards from your spending. 

Customers can earn bonus points on purchases in specific categories and bonus points when they sign up for the program. 

By signing up for the program, customers can access exclusive offers they cannot find anywhere else.

Avianca LifeMiles Credit Card 

With this program, users can earn rewards in the form of LifeMiles Points with every purchase they make using their Avianca LifeMiles Credit Card

You can then use these points for travel, shopping vouchers, and discounts at participating hotels and airlines.

First Progress Platinum Mastercard

The First Progress Platinum Mastercard offers one of the best affiliate programs. 

This program allows users to access an unsecured line of credit while building their credit score. 

This card doesn’t require a security deposit or minimum payment; users pay what they can afford monthly.

Milestone Gold Credit Card 

This is a perfect credit card for those who want to build their credit. 

It is easy to get and has a low annual fee.

It can be used in millions of places around the world. 

The Milestone Gold Credit Card has a great rewards program that lets you travel for free, get cash back on purchases, and save money on shopping, dining out, and entertainment. 

Sam’s Club Credit Card 

It is perfect for anyone who loves shopping at Sam’s Club. 

This card offers plenty of benefits and savings, such as special discounts on select products, exclusive members-only events, and a 5% cashback reward on up to $6,000 in annual purchases. 

Also, the Sam’s Club Credit Card has no annual fees or fees for using it in other countries.

The First Access Visa Credit Card 

This program has a lot of rewards and incentives, and their affiliate partners can always get help from their high-quality customer service team. 

With the First Access Visa Credit Card affiliate program, you can earn up to 20% commission on every approved application, plus a $1 bonus for each approved application. 

The Capital One Quicksilver Card 

The Capital One Quicksilver Card affiliate program is great for those looking to add a no-annual-fee credit card option to their portfolio. 

You can earn up to $100 in bonus cash back when you sign up, plus a competitive base rate of 1.5% cash back on all purchases with no limits or restrictions. 

Additionally, affiliates can enjoy generous incentives and rewards to cash in on travel, merchandise, and more.

Related Reading: Walmart Affiliate Program – Learn More Here.

Promoting a Credit Card as an Affiliate

Once you know the credit card offers and promotions you want, the next step is to begin marketing them. 

For your promotions to be successful, it is essential to implement effective strategies. 

Here are some tips for promoting a credit card as an affiliate:

Create an email marketing campaign: 

Email marketing campaigns make it easy to reach potential customers who have expressed an interest in what you are offering. 

A catchy subject line and a compelling message can help you get your customers’ attention and convince them to act.

Use paid advertising channels: 

You can reach more people if you spend money on paid advertising channels like Google Ads, Facebook Ads, and Instagram Ads. 

Create relevant ads for the offer, making your customers more likely to click on them.

Leverage Influencer Marketing: 

Working with established influencers in your niche can be a great way to get the word out about your credit card offer. 


How do I become a credit card affiliate?

To join an affiliate program for credit cards, you must apply and get accepted by the merchant or network running the program.

Most programs will ask you for information about your website or blog, such as its URL, what it’s about, and who it’s for.

Once accepted, it will give you a unique link or code that you can use to promote the credit card.

You will receive a commission whenever someone clicks on this link and applies for the card.

How much money can I make as a credit card affiliate?

The amount of money you make depends on the terms of the program you join, the type of credit card you promote, and the amount of traffic you receive on your blog or website. 

What do I need to start promoting credit cards as an affiliate?

To be a successful credit card affiliate, you need a website, blog, or YouTube channel with enough traffic and content related to the cards you want to promote. 

Are there any risks associated with credit card affiliate programs?

Working with reputable merchants and networks is essential because fraud can lead to hefty fines, like giving customers false information or telling them to apply for cards they don’t qualify for.

Do I need to follow any special rules or regulations as a credit card affiliate?

Credit card affiliate programs typically have specific terms and conditions that you must adhere to remain compliant with the merchant or network.

You might not be allowed to use some words or phrases in your marketing materials. 

Related Reading: Best Recurring Affiliate Programs – Learn More Here.

Final Thoughts

Credit card affiliate programs offer an excellent way to make money while promoting the products of central banks and financial institutions. 

They are easy to understand and lucrative if you choose the right partners. 

However, it’s essential to do your research before signing up for any program.

Disclosure:  this article might contain links to the resources discussed.
Some of the links are affiliate links, meaning that I will make a small commission if you purchase a product or service by using the link. You get the same price whether you use our special link or not, and sometimes I’m able to get you an even better deal through my relationships!  More info in my privacy policy.

Brooks Conkle Banner Image
Brooks Conkle

Brooks is an Entrepreneur, Sponge, Father, Husband, & Follower of the Golden Rule. He has over 15 years of experience as an entrepreneur after graduating with a BSBA in Finance from Auburn University. He’s addicted to growing new business ideas and any food that includes chocolate and peanut butter. Brooks is a firm believer in creating multiple streams of income and creates content here on to help other hustlers in the areas of marketing, online business, personal finance, and real estate.