As a seasoned affiliate marketer, I have seen firsthand the potential of credit card affiliate programs. This highly competitive niche offers a speedy path to some of the highest commissions in the industry, with affiliates in The Affiliate Lab community easily collecting high 5-figure monthly commissions. Having spent years in this niche, I have found that starting with the right network is essential to success. In this guide, I will share my expertise and review 12 of the top credit card affiliate programs available. You’ll learn where each program stands out, how they can support you, and get a snapshot of their programs and policies. If you’re hungry for faster, better returns and are ready to take on the competition, this guide is for you. So, let’s dive in and explore the best credit card affiliate programs to help you achieve your financial goals. 1. FlexOffers FlexOffers is a large network with more than 12,000 active advertisers. This is really a premium credit card market. They specialize in affiliate credit card programs. They currently have over 500 affiliate programs for financial services[1] alone. In the past, both AMEX and Visa credit card affiliate offers have been available here, along with most other credit card brands. For the variety alone, FlexOffers has been called one of the best credit card affiliate networks. During our cooperation, they have supported us through a feature-rich dashboard, easy-to-integrate content, and auto-generated reports that cover a range of different statistics. Their FlexRev-$hare program gives you an additional way to earn through second-tier commissions. You can collect as much as 50% of the revenue generated by new publishers you refer to the network. FlexOffers also distinguishes itself with its personalized approach to affiliate management. They assign a dedicated account manager to every affiliate, ensuring personalized support and guidance, which greatly enhances the user experience. Also, their robust platform caters to various verticals, making it suitable not just for financial services but also for other sectors, thus offering affiliates a chance to diversify their portfolio. Quick Look Strength: Credit card and other financial affiliate offers Commission: $16-$400+ per conversion Cookie duration: Each program sets its own cookie duration. Between 10-45 days Payment methods: Check, Bank Wire, Direct Deposit Minimum payment amount: $100 Programs offered: CPA, CPS 2. CJ.com Commission Junction has more than 20 years of history as an affiliate network. More than one affiliate program from further down this list is managed exclusively on this network. It’s a favorite of Hanso So of Problems.com[2], who has been very successful with the AMEX program. The Avianca LifeMiles Credit Card is also offered here, and pays $200 per completed application. CJ offers publishers who are interested in credit card programs access to some of the largest brands in the world. In addition to credit card affiliate programs, major retailers, including Overstock, Lowe’s, and Zappos all have offers posted here. The network doesn’t focus on credit card programs, but it’s easy to search by advertiser type from the dashboard. You’ll have no trouble tracking down an affiliate program for credit card publishers. Publishers are further supported by an advanced analytics system, a large selection of APIs, and a cookieless tracking system. On top of that, CJ’s communication and support system has very good reviews. They also host webinars and provide resources to help their affiliates succeed, and their customer support is responsive and helpful, which can be a significant factor when dealing with various programs and campaigns. Quick Look Strength: Credit card, finance, and advice affiliate offers Commission: Between $1-$140 depending on the offer Cookie: Varies depending on offer. Offers Cookieless tracking[3] Payment methods: Check, FedEx Check, Direct Deposit, Payoneer Minimum payment amount: $50 Programs offered: CPA, CPL, CPS, Pay per call 3. Credit.com Credit.com manages an affiliate program and reseller program focused on personal finance and credit card offers. Publishers can choose from personal loan products, credit cards, and even financial consulting services. They are one of the leading credit card providers. They have attracted affiliate marketers from some of the largest credit card companies around, including Mastercard, American Express, and Chase. They support publishers through a proprietary platform. On the platform, we had access to advanced account management options, tracking tools (with customized alerts), and educational materials that can help you project more expertise. And we really liked their recognized visa credit card. Credit.com’s affiliate program is known for its high commission rates, which is a significant incentive for many publishers. The exact rate varies depending on the specific product or service promoted, but their competitive payouts make them an attractive choice for many affiliates. Another advantage of partnering with Credit.com is the variety of promotional materials they provide. From banners to text links and email templates, they supply a range of resources to help affiliates successfully promote their products. This, coupled with their robust tracking system, allows affiliates to optimize their marketing strategies effectively. Quick Look Strength: Credit card and finance affiliate offers Commission: Set by each advertiser. Varies depending on offer. Cookie: Set by each advertiser. Varies depending on offer. Payment methods: Check, Bank Wire, Direct Deposit Minimum payment amount: $100 Programs offered: CPA, CPS 4. Capital Bank (OpenSky) OpenSky is a secured credit card that is offered through Capital Bank. While Capital Bank doesn’t manage their own network, the affiliate program for this credit card is available on several platforms, including the credit.com network we’ve already covered. The program for the card is straightforward. Publishers receive a flat $25 commission for each account that is opened and funded. This compensation scheme can make it one of the best programs for people new to the credit card niche. There is a high potential for conversion because the USAA card is available to nearly anyone in the US. Even those with poor credit or no credit have access to this card. Publishers are supported with a library of creative materials including banners and copy. In addition to the library of creative materials, OpenSky offers a robust tracking system. This enables publishers to monitor their referrals, conversions, and earnings in real time. The data provided can be instrumental in optimizing marketing strategies and increasing conversion rates. Another significant advantage of the OpenSky program is its wide target audience. Since the card is designed for those with poor or no credit, it’s an excellent option for publishers targeting audiences seeking to build or rebuild their credit. This broad appeal can result in higher traffic and conversion rates, leading to increased earnings for affiliates. Quick Look Strength: Secured credit card Commission: $25 per funded account Cookie: 30 days Payment methods: Set by advertiser. Varies depending on offer. Minimum payment amount: Set by advertiser. Varies depending on offer. Programs offered: Flat CPS 5. Experian Experian is a major provider of financial reports and loan offers. Their services include credit reports, debt reduction plans, personal finance, tailored credit card offers, and car loans and personal loan. The Experian credit card program is currently hosted on the CJ Affiliate network. Publishers with financial sites can use Experian’s credit scores and reports as a helpful tool for their audience. It can be a great addition to other content focused on financial services. This program pays a variable percentage for each referred customer. If you’ve built the trust to push your traffic toward multiple services and card offers, this could be one of the best affiliate programs for you. Publishers can benefit from the trust Experian has established. They can also take advantage of some free marketing content. Experian’s affiliate program also stands out because of its focus on education. They provide extensive resources about credit management and personal finance that affiliates can share with their audience. This educational focus can help affiliates build credibility with their audience and drive more conversions. Affiliates also have access to real-time tracking and reporting tools that can help them monitor their performance, identify successful strategies, and improve their marketing efforts. Quick Look Strength: Credit card and loan offers Commission: Earn up to 20% of the revenue generated by your users Cookie: 45 days Payment methods: Check, Wire, Direct Deposit Minimum payment amount: Varies depending on offer. Programs offered: CPS 6. TransUnion Transunion offers a variety of credit protection services to customers, including credit reports, credit protection, and instant security alerts. So, if anyone needs to fix their credit karma, this is perfect. Using the affiliate program, you can direct your traffic toward either the trials or paid financial products. A variety of credit card offers are also available. For some offers, you may be able to collect both the trial and the purchase commission as the customer moves from trying out a service to subscribing. Publishers receive custom tracking tools to manage their participation in the affiliate program. They’re also empowered by a great collection of pre-generated content and advertising materials. What sets TransUnion’s affiliate program apart is its flexibility. They provide different commission structures depending on the product, which allows affiliates to choose the offers that align Read More Read More