The credit card industry continues to thrive, with millions of consumers searching for the best deals on rewards, cashback, and travel cards. This creates an exciting opportunity for affiliates to promote top offers and earn commissions by connecting audiences with the best credit card offers.
By joining reputable credit card programs, you not only help your audience find the perfect financial solutions but also earn generous commissions for every approved application.
In this article, we’ve highlighted 8 of the best credit card affiliate programs with important details like commission structures, cookie durations, and promotional perks. Let’s explore and choose the right fit for your affiliate marketing strategy!
TL;DR:
You can earn attractive commissions by sharing appealing credit card deals with your audience. Let’s find out which program provides the best rewards for affiliates.
- Credit Karma (Commission: $4-$7, Cookie: 30 days)
- USAA (Commission: Up to $80, Cookie: 30 days)
- Luxury Card (Commission: $180, Cookie: 30 days)
- Upgrade Credit Card (Commission: $45-$180, Cookie: 30 days)
- Capital Bank (Commission: $25, Cookie: 30 days)
- Chase (Commission: $50)
- Super Money (Commission:$50)
- M1 (Commission: $10)
Affiliate marketing allows brands to expand their reach while optimizing their marketing budget. With UpPromote affiliate software, you can set up an affiliate program in under 5 minutes. You can also easily recruit, manage affiliates and encourage them to drive sales.
With 2500+ positive Shopify reviews, UpPromote boasts as the top trusted affiliate software.
8 Best Credit Card Affiliate Programs You Should Join
In a hurry? Let’s take a quick look at the table below for an overview of the best credit card affiliate programs.
| The best affiliate programs | Program name |
| Affiliate program with the highest commission rates | Luxury Card, Upgrade Credit Card ($180) |
| Affiliate program with 30-day cookie duration | Credit Karma, USAA, Luxury Card, Upgrade Credit Card, Capital Bank |
| Affiliate program with the most payment methods | Credit Karma, Luxury Card, Upgrade Credit Card |
1. Credit Karma
Credit Karma offers users personalized recommendations for credit cards, loans, and financial products tailored to their credit profiles. In addition to credit monitoring, they provide valuable insights into credit health and help individuals take control of their finances.
Their credit card affiliate program allows you to earn $7 for every new member who signs up for an account. In addition, you can receive $4 when a Credit Karma member logs back into their account after being inactive for 365 days. The cookie window lasts 30 days from the customer’s first click on your unique link.
You must first create an Awin account to join the Credit Karma affiliate program. Once approved, you can check your performance data, like clicks, sales, and commissions, through their detailed tracking dashboard.
|
2. USAA
USAA is an American financial services company primarily serving military members, veterans, and their families. They provide many credit card options, such as cashback cards, rewards cards, and low-interest cards, to support different financial goals and spending needs.
Joining the USAA credit card affiliate program, you can earn up to $80 in commission when a visitor completes an application on the brand’s site. You have 30 days from the customer’s initial click on your link to earn money.
The brand partners with the CJ Affiliate network to manage their program. After being approved as their affiliate, you can receive a unique tracking link to put on your site and start your promotion.
|
3. Luxury Card
Luxury Card is a premium credit card provider offering the Mastercard Gold Card, Mastercard Black Card, and Mastercard Titanium Card. Cardholders can enjoy exclusive benefits such as luxury concierge services, premium travel perks, airport lounge access, and other high-end rewards.
Their affiliate program offers a generous commission of up to $180 on every qualified credit card approval you drive. The referral window stays active for 30 days from the visitor’s initial click on your unique link.
The brand manages their credit card affiliate program through the FlexOffers network. You can leverage FlexOffers’ real-time reporting and analytics to track performance and optimize your campaigns for better results.
|
4. Upgrade Credit Card
Upgrade Credit Card lets cardholders earn cash back on purchases while making predictable monthly payments. They combine credit card flexibility with a personal loan structure to help users pay off balances easily and avoid long-term debt.
You will get different commissions ranging from $45 to $180, depending on the specific product your referral issued.
- Upgrade Select Visa card: $45
- Upgrade cashback card: $180
- Other cards: $67.5
- Auto Refinancing loan: 0.9%
- Personal and Universal Loans: 1.8%
The brand lets you earn money on sales made within 30 days of the visitor’s initial click on your affiliate link.
The Upgrade Credit Card affiliate program is managed through the user-friendly FlexOffers network. That means you must create a FlexOffers account to join their program.
|
5. Capital Bank
Capital Bank is a prominent player in the banking sector with a strong focus on small business lending in the Mid-Atlantic region. The company provides the Open Sky Secured Visa Credit Card through their OpenSky division for customers looking to build or rebuild their credit.
You can get $25 on every approved application and funded account referred through your link. The cookie lasts 30 days from the customer’s first click.
The brand collaborates with CJ Affiliate to manage their credit card affiliate program. You can utilize CJ’s real-time referral report to track your promotional performance and optimize your campaigns for better results.
|
6. Chase
- Commission rate: $50
- Cookie duration: Not mentioned
Chase is one of the largest financial institutions in the United States. They offer various credit card options with attractive rewards and high-value benefits, such as cashback, travel points, and purchase protection.
7. Super Money
- Commission rate: $50
- Cookie duration: Not mentioned
SuperMoney helps consumers evaluate and compare various financial services, such as credit cards, loans, banking services, mortgages, and insurance. They let users submit a single application and receive real-time, pre-approved loan offers, including personal loans, student loans, and auto loans.
8. M1
- Commission rate: $10
- Cookie duration: Not mentioned
M1 Finance offers a robo-advisory investment platform with brokerage accounts, digital checking accounts, and lines of credit. With an M1 membership, users can access the Owner’s Rewards Card and enjoy up to 10% cash back on purchases from companies they hold stock in.
FAQs
1. What is a credit card affiliate program?
A credit card affiliate program allows individuals or publishers to earn commissions by promoting credit card offers. Affiliates earn money when users apply for and are approved for credit cards through their referral links.
2. How do affiliates make money from credit card programs?
Affiliates usually get paid per qualified lead (application submission) or per approved customer. Payouts can be significantly higher than in other niches since credit card companies value new customers highly.
3. Do I need a finance-related website or blog to join a credit card affiliate program?
Not necessarily, but finance-related content (personal finance blogs, comparison sites, budgeting apps, etc.) tends to convert better. Some programs may require compliance with stricter rules if your content isn’t finance-focused.
4. Are credit card affiliate programs difficult to get approved for?
Yes, many banks and financial institutions have strict approval processes. They look at your traffic quality, compliance history, and whether your content meets financial regulations (like fair lending disclosures).
5. Which networks offer credit card affiliate programs?
Many credit card offers are available through large affiliate networks such as CJ Affiliate, FlexOffers, Rakuten, or directly via issuer programs like American Express, Chase, or Capital One.
6. Are there any compliance rules for promoting credit cards?
Yes. Affiliates must follow strict advertising guidelines set by banks and regulators. Misleading claims, unapproved creatives, or failing to display proper disclosures can result in removal from programs.
7. Why should a credit card or financial services company use affiliate software?
Affiliate software helps track referrals, manage partnerships, prevent fraud, and automate payouts. This allows merchants to scale their affiliate program efficiently while staying compliant.
8. How do merchants recruit affiliates for credit card programs?
You can list your program on affiliate networks, reach out to finance influencers/bloggers, or create a dedicated landing page with application forms where affiliates can sign up.
Conclusion
In conclusion, choosing the right credit card affiliate program is essential for driving meaningful results in your affiliate marketing efforts. With top-notch brands and reliable services, these programs can help you earn attractive commissions while recommending financial products your audience will find useful. Let’s compare carefully to choose your best match, and start your promotion today!
Ellie Tran, a seasoned SEO content writer with three years of experience in the eCommerce world. Being a part of the UpPromote team, Ellie wants to assist Shopify merchants in achieving success through useful content & actionable insights. Ellie's commitment to learning never stops; she's always eager to gain more knowledge about SEO and content marketing to create valuable content for users. When she's not working on content, Ellie enjoys baking and exploring new places.
