Credit Card

Credit Card Affiliate Programs

Credit card is a competitive affiliate vertical with attractive payouts. The dramatic shift of global consumer community from brick-and-mortar retail stores to e-commerce has led to an increasing demand for debit and credit cards, which has opened a new door of opportunity for aspiring affiliate marketers. An increasing number of people are also showing interest in credit card reward programs, which can be just another good reason for you to promote credit cards and earn money along the way.

Credit cards affiliate programs connect affiliate publishers with the market-leading credit card providers and service providers. Before choosing the credit card affiliate marketing vertical, you should consider a few important factors such as the popularity of credit cards, the competitiveness, the features of the affiliate products etc.

Here, we have collected and reviewed all affiliate programs related to the credit card industry for you to choose from. Compare and evaluate the affiliate programs based on the commission models, such as Cost per action/sale, Cost per lead, Cost per click (PPC) and revenue share models before signing for an affiliate program. Go through our in-depth reviews or simply visit the websites of the affiliate programs to know more.

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American Express Affiliate


American Express affiliate program enables affiliates to team up with the American multinational

Vertical: Credit Card, Financial
Models: Revenue Share
Payout: Unspecified

Travelex Affiliate


Travelex is the World’s leading independent foreign exchange business having more than 1500 stores

Vertical: Credit Card, Financial
Payout: 1% per sale

myFICO Affiliate


If you have a quality site design, a top-Level domain, a site that caters to English-speaking

Vertical: Credit Card, Financial
Models: CPA
Payout: $5 - $100 per sale

Bankrate Affiliate Center


Program Introduction What sets Bankrate apart for consumer financial product offerings?

Models: CPA, CPC, CPL, CPM, Revenue Share

Why Promote Credit Cards and Credit Card Services?

The demand for consumer-friendly secured credit cards has reached its zenith as has the sale of credit cards buoyed by the dramatic rise in the percentage of Americans who use credit cards as their sole payment method or to finance purchases. More than half of all credit cardholders use their cards for everyday purchases.

According to a fall 2018 research conducted by the Pew Research Center, around 46% of working adults don’t carry much cash and about 3 out of 10 U.S. adults are more likely to use credit or debit cards rather than cash to purchase items or pay bills. An estimated 1.06 billion credit cards are functional at the moment in the USA and small-business credit card purchase volume is projected to skyrocket from $493 billion in 2017 to $686 billion in 2022. Apple Pay has over 380 million users internationally and has become the most popular digital mode of payment in the USA making cash payments nigh obscure.

With such soaring demands and substantial scope for securing a steady source of income through the plethora of niches and sub-niches that the credit card vertical has to offer, credit card affiliate programs have become the most sought after affiliate programs among both professional and amateur affiliate marketer.

Credit Card Affiliate Programs – Are You The Right Fit?

The credit card affiliate vertical, although competitive, is highly rewarding if and when approached with the utmost dedication and conviction as this vertical extends a gamut of niches and sub-niches to financial or business bloggers, experienced banking professionals, and credit card experts looking to earn sizeable payouts on the side or even as a long-time steady mode of income.

To maximize the revenue opportunities, familiarity with financial services and products is as important as any form of financial marketing experience since familiarity with credit cards, debit cards, master cards, credit card service, current interest rates, and financial laws assists in building trust between the affiliate marketer and the earmarked end-user.

Thus commerce or economics graduates with a flair for banking services or anyone with a financial and/or banking blog or website will find the credit card affiliate vertical to be tailor-made for them. In case you are already blessed with useful financial acumen and offer banking or credit advice on your blog or website then you will find this one right up your alley.

How to Promote Credit Cards and Credit Reward Programs?

To start with, you need to pick a ‘niche’ for the cards to promote and then join the best credit card affiliate program for the selected niche to get a unique affiliate link including a unique affiliate ID. Share the affiliate link via social media channels such as Twitter, Facebook, YouTube videos, financial blogs, credit websites, or landing pages among others. You will earn variable affiliate commissions when a purchase is made via your affiliate link.

As a credit card affiliate marketer, the crux of your responsibility lies in custom designing your approach to appeal to a narrow pool of potential buyers, highlighting to them the USPs of your product or service, providing ample impetus for your niche, and explaining to clients its benefits over its nearest competitors.

You should also conduct meticulous research into your selected niche as an uncluttered understanding of the target audience’s requirements based on audience assessments will help you to develop a palpable picture of your designated demographics – people or organizations interested in your chosen niche product or service.

To boost sales and consequently your commissions, gather such vital information as customer motivations, pain points, desires, and buying patterns among others that will aid you to determine the ideal approach to effectively market your cards or services to intended clients.

Competitor research is indispensable as it gives you an idea of the competing alternatives available to your buying pool and enables you to improve your sales pitch by highlighting the advantages of your affiliate program over others.

Most ‘merchants’ (the industry term for ‘retailers’, ‘advertisers’, or ‘brands’) choose to work with social influencers in their respective niches. Influencers tend to have an honest relationship with their followers which allows them to effectively get their audience to trust a particular affiliate program and convince them to use affiliate credit cards, credit card related services or credit card performance marketing experts.

Top Financial Bloggers And Websites You Can Find A Lot Of Inspiration From

Even though this vertical is significantly rewarding, the cutthroat competition in the credit card vertical dictates that a credit card affiliate marketer is not only up to date with the latest financial and economic developments but also thoroughly educated in the finer details of credit card affiliate marketing. Thus, it is imperative to follow and learn from the most reliable financial websites and most competent financial bloggers on the internet.

Beverly Harzog is a nationally acclaimed credit card expert and consumer advocate. Beverly, also an author, offers resourceful insights and credible financial advice that will help you reach out to your target audience in an organized manner.

Business Insider is the go-to blog for insider business tips and tricks along with the latest economic and business news. For trustworthy credit card or master card review and novel ideas on resourceful credit card operation, you can visit the exceptional personal finance website- The Simple Dollar. The site contains an abundance of blogs encompassing almost everything from sound consumer advice to personal financial tips on savings and credit management.

Frequently Asked Questions About Credit Card Affiliate Programs

How lucrative are credit card affiliate verticals compared to other affiliate verticals?

Credit card affiliate programs pay attractively in comparison to other verticals in affiliate marketing and hence are very popular as well as fruitful to promote. Affiliate marketing accounts for 15% of the current digital media advertising and commissions paid out to credit card affiliate marketers is increasing by 10.1% annually in the USA alone and is projected to touch the $7 billion mark by the end of 2020.

Roughly 35% of credit card affiliates earn over $20,000 each year and as much as 30% of all sales for advertisers are generated by credit card affiliate programs in line with SEP and PPC marketing.

What are a few sub-niches in the credit card affiliate vertical?

The primary attraction of credit card affiliate marketing is the availability of several sub-niches as compared to other affiliate verticals and one such salient sub-niche is Credit Education.

A 2015 American Bankers Association survey revealed prevalent confusion among the general populace concerning the difference between credit reports and credit scores. As per the ABA study, as much as 40% of Americans were mistaken that credit reports and credit scores are the same. There is a huge scope to properly educate potential clients on the various terminology related to credit card usage.

Another niche on the other end of the credit card spectrum is credit card monitoring and credit repair services to improve credit scores or reports. Maintaining good credit scores and an impeccable credit repayment history helps financial institutions to decide whether or not to approve a loan or home mortgage.

What is the target demographic for credit card affiliate programs?

Consumers between the ages of 50 and 75 tend to have the most credit cards while those between the ages of 36 and 50 tend to have the highest credit card balances.

Out of 374 million open credit card accounts in the U.S. 197 million accounts were held by super prime consumers whose numbers increased by 3.5% since the last study to hit an all-time high. Thus, your target customers are the one residing at the center of a Venn diagram constructed with the above demographics as parameters.

What are some high-paying credit card affiliate programs?

Credit card affiliate programs offer handsome commissions varying from $20 to $90 per sale, however, quite a few credit affiliate programs that pay even upwards of $100 per sale. Many credit card affiliates commissions $1 – $2 per lead or upwards of $25 per funded account. One such top credit card affiliate program is myFICO affiliate program that offers a payout of $5 – $100 per sale.