10 Best Credit card Affiliate Programs Of 2021

Yes, the credit card niche is competitive.

But that also means one thing – there’s money to be made by promoting the right credit card affiliate programs.

Remember, this is an industry that’s worth US$3.32 trillion per year.

Which is why the big credit card affiliate marketers make 6-figures per month. 

Does that seem like an impossible level of income to achieve?

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

Ah Affiliate Commissions Example

Or this:

Ah Affiliate Commissions Example

And once you see just how much some of the offers featured in our roundup of credit card affiliate programs actually pay, you’ll understand that life-changing income is entirely possible.

Let’s get to it.

Credit Card Affiliate Programs

  1. American Express
  2. Bankrate Credit Cards
  3. USAA Credit Cards
  4. Credit.com
  5. Luxury Card
  6. Commission Soup
  7. Scotiabank Credit Cards
  8. Capital Bank (OpenSky Credit Cards)
  9. Upgrade Credit Card
  10. Avianca LifeMiles Credit Card

American Express

American Express Homepage

American Express (or Amex for short) is one of the big three credit card companies, along with Visa and Mastercard.

And although this brand has become synonymous with credit card usage, it’s also available outside the United States.

Like in Canada, for example – where the company has been in business since 1853.

But obviously not providing credit cards back in the days of the wild west.

Your Canadian visitors can take advantage of all the usual perks of being an American Express user, like getting a cash-back or flexible rewards card.

Plus you can earn yourself quite a large chunk of change for referring new customers to them.

American Express Affiliate Program Stats

How much do they pay their affiliates?

Anywhere up to CA$200 per lead.

Which makes this one of the most lucrative credit card affiliate programs listed here.

But you only get paid for an approved application, not just applications submitted.

Which is obviously there to stop people spamming the shit out of this offer – this happens all the time with financial services affiliate programs.

This massive financial incentive for affiliates also explains their EPC of $644.89.

URL: American Express Canada affiliate program

Commission:  Up to $200 per sale

EPC:  $644.89

Cookie duration: 7 days

Bankrate Credit Cards

Bankrate Credit Cards Homepage

Bankrate actually started out as a print publisher offering financial advice to its readers way back in 1976.

They took their information business online in 1996, and Bank Rate Credit Cards was part of their drive to provide their audience with detailed information on what the best credit card was for their individual needs.

The neat thing about Bankrate is that they operate as an affiliate for card programs, but also as a credit card network in their own right.

This provides affiliate marketers like you with the opportunity to promote credit card offers without actually having to be a direct affiliate of the card company itself.

Bankrate Credit Cards Affiliate Program

And that includes all the major players in the market like Chase, Discover, and Amex, among many others.

Obviously being a sub-affiliate for their individual credit card affiliate programs typically means you won’t earn as much as if you worked directly with the card issuer. 

But with credit card offers routinely paying anywhere from $50 to $200 per signup, you can still earn quite a lot of money promoting Bankrate credit card offers.

URL: Bankrate Credit Cards affiliate program 

Commission:  TBC


Cookie duration: TBC

USAA Credit Cards

Ussaa Credit Cards Homepage

USAA has been providing financial services to active and retired members of the United States military community since 1922.

Starting out as an auto insurance provider, they went on to supply their customers with banking, mortgage, investment, real estate, and retirement products and services.

But they also supply credit cards by Visa and Amex.

And your potential audience for these cards is any of the 24+ million personnel in the armed forces of the United States.

So if your audience contains active or retired military personnel looking for a mainstream credit card, with a number of perks, then this is an affiliate program for you to add to your portfolio.

Usaa Credit Cards Affiliate Program Stats

Now for the not-so-great news – you’ll only make $20 per approved credit card. Affiliate programs elsewhere usually pay quite a bit more.

So this is way down the ladder for payouts offers of this type.

But you will be appealing to a very niche market, so there won’t be as much competition as with the more mainstream credit cards.

Plus, top-performing affiliates can always ask for a better commission rate. 

And if you’re going to enter the credit card niche then you’re here for one thing – money.

URL: USAA Credit Cards affiliate program

Commission rate:  Up to $20 per lead

EPC:  $161.70

Cookie duration:  30 days


Credit.com Homepage

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

But they also act as a price comparison site for everything from loans and auto insurance to credit cards.

This makes them quite similar to Bankrate in that they’re an affiliate publisher but they also run a credit card network for affiliate marketers. 

And again this gives you access to affiliate credit card offers from the biggest names in the industry, such as Citi, Chase, Amex, First Progress, Mastercard, Group One, and many others.

The same types of credit card affiliate programs that usually only work with super affiliates.

Credit.com has a credit card to suit pretty much any niche audience you can think of, including people with awful FICO scores.

So your visitors will be able to find the best credit card for their individual needs.

Credit.com Affiliate Program

That all sounds pretty amazing, right?

And it is, except there’s one teeny, tiny problem – the Credit.com affiliate program is closed right now.

That could mean they’re sick of dealing with affiliates using cookie stuffing, or any of the other crap that some of them use.

Or it could mean that they operate a far more exclusive credit card affiliate program than most others.

I’m guessing at the latter, so it might be an idea to drop a quick email to their affiliate support team.

URL: Credit.com affiliate program

Commission:  Varies


Cookie duration: TBC

Luxury Card

Luxury Card Homepage

Luxury Card, as the name suggests, isn’t your typical credit card.

It’s very much a premium card, which you can tell when you first pick it up because it’s made from a mixture of stainless steel and carbon.

Plus you can order a 24-karat gold version of it.

So yeah, this card is for a very specific market and income bracket i.e. wealthy people.

What your visitors get is a premium card that offers cashback at 2% and air miles redeemed at a rate of 2%, but with no blackout dates or seat restrictions.

There’s the added perk of getting access to airport lounges in a number of locations.

You also get a 24/7 concierge service made available to you by phone, email or live chat – you can use that for everything from making a hotel reservation to finding the perfect gift for a loved one.

Luxury Card Affiliate Program Stats

So, you’re wondering how much you can earn by referring a Luxury Card lead?

A whopping $405.

This is the highest payout of all the credit card affiliate programs listed here. 

Commission rates at this level don’t come along very often, so make hay while the sun shines, right?

Just bear in mind that there’s a separate application process on Flexoffers for these offers– it’s like a sub credit card network within the main network.

URL: Luxury Card affiliate program

Commission:  $405 per sale


Cookie duration: 30 days

Commission Soup

Commission Soup Homepage

You’re probably familiar with all the major affiliate networks like CJ, ShareASale, Linkshare, and so on.

But have you ever heard of Commission Soup?

They’ve been in the performance marketing game – focusing on financial services offers – for 20 years now.

Basically, they’re a tenured CPA network that specializes in credit card offers, so they’re not exactly mainstream.

Unless of course, you’re looking for those types of products to promote, in which case Commission Soup is up there with Bankrate.com and Credit.com in terms of what they have on offer.

Long story short, most major credit card companies “retired” from running their own affiliate programs after the 2008 financial crash.

All those pre-approved credit cards with ridiculous credit lines caused quite a bit of bad press for them and their affiliates.

So now any affiliate looking to access such programs has to go through an intermediary like Commission Soup instead.

Commission Soup Affiliate Program

Their ‘Green Dot Primor Mastercard’ is a typical example of the types of credit card affiliate programs you’ll find within Commission Soup.

This is a secured credit card, which provides people with a terrible FICO score the chance to improve it.

Plus, promoting secured credit cards is more “niche”, so that means less competition for your site.

You also have a huge audience to promote to i.e. anyone with bad credit.

And from 2020 to 2030 that could include hundreds of millions of people.

Hint: There are almost 1,000 keywords with a KD score of 20 or under for you to work with.

URL: Commission Soup affiliate program

Commission:  Varies


Cookie duration:  Varies

Scotiabank Credit Cards

Scotiabank Homepage

Scotiabank has been around since 1831 when a group of businessmen decided to set up their own public bank to compete with the private bank serving the people of Halifax. 

190 years later and they have branches in 55 countries, and over 19 million customers, thanks to expansion and acquiring banks in other countries.

In addition to their banking services they also offer the following types of credit cards to their customers in Canada and North America:  travel rewards, cashback, low APR, and student cards.

So there’s plenty to work with in terms of affiliate programs across multiple niches.

Scotiabank Affiliate Program Stats

Scotiabank affiliates will receive a flat commission payment of CA$99 for each approved referral they send.

This converts to about US$70, which is still pretty respectable for any type of affiliate program.

The funny thing about offers with a high payout is that most newbie affiliates avoid them because they think there’ll be too much competition.

That’s rarely the case.

URL: Scotiabank affiliate program

Commission:  Up to CA$99 per approved card


Cookie duration: 30 days

Capital Bank (OpenSky)

Opensky Homepage

Just in case you’re confused – the OpenSky credit card is actually offered by Capital Bank.

They just chose to promote it through its own domain rather than directly on their own website.

This is probably also because Capital Bank is a regional bank serving New York state, so this is a branding move on their part.

Anyways, what is the OpenSky credit card?

The name might elicit thoughts of international travel, but it’s actually a secured credit card.

So that makes this program ideal for anyone blogging about personal finance, managing debt, or improving their credit score.


Because a secured credit card is the quickest and safest way to improve your FICO score.

That means there’s tons of potential here, especially if your content helps people who’ve had to declare bankruptcy.

Capital Bank Affiliate Program Stats

Affiliates will receive $25 for every successful referral to the OpenSky affiliate program.

This is obviously at the low end of the scale, especially when you compare it to some of the other programs in this roundup.

But here’s the thing – there’s no credit scoring for this card, so literally anyone can get one.

And they also allow you to market this offer via email, which is unusual in this niche.

All of which elevate Open Sky – despite the low payout – to being one of the best credit card affiliate programs out there.

URL: Capital Bank affiliate program

Commission: $25 per sale

EPC:  $26.93

Cookie duration: 30 days

Upgrade Credit Card

Upgrade Credit Card Homepage

The Upgrade credit card brings something new to the market.

Your visitors can get a recognized Visa credit card with a credit line of up to US$20,000.

But without the punishing interest rates that come tied to most other cards.

Instead, you wind up paying an interest rate closer to a personal loan, so you can repay your outstanding card balance that bit quicker.

In the example they use, that means being able to pay off $14,000 in two years instead of 28 years.

Obviously, encourage your audience to do their due diligence when signing up for any financial product or service.

Upgrade Credit Card Affiliate Program Stats

You’ll receive a flat rate of $60 for every one of your visitors who is approved for an Upgrade card.

But bear in mind that a person’s credit score dictates the size of the line of credit they get with this card.

URL: Upgrade credit card affiliate program

Commission:  $60 per referral


Cookie duration: 30 days

Avianca LifeMiles Credit Card

Avianca Homepage

The Avianca LifeMiles credit card is one for the international traveler or digital nomad audience.

If you plan to travel to South America a lot and want all those air miles, then Avianca has one of the leading offers on the market.

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

There are no foreign transaction fees, you get protection against unauthorized charges, cover for damage in auto collisions and travel accident insurance.

Plus, as we already said, all those lovely air miles.

Avianca Affiliate Program Stats

And now we get back up to the higher-end of affiliate payouts because promoting this card can put up to $200 per referral in your pocket.

You’d obviously be promoting it to something of a niche audience, but 15 “sales” per month would put an extra $36,000 in your pocket each year.

This is the second-highest paying of the affiliate programs in this roundup.

URL: LifeMiles credit card affiliate program

Commission:  Up to $200 per referral

EPC:  $545.06

Cookie duration: 30 days

Over to You

This isn’t exactly an exciting niche to be in.

And competition is fierce – it’s fucking cutthroat, to be honest.

But as you can see from the above credit card affiliate programs, you can earn a ton of cash by taking part.

You’ll also have noticed there’s no “best” credit card to promote i.e. secured cards will suit one audience, while air miles cards will suit another.

That all comes down to understanding your niche and working in one that’s broad enough to leave you with plenty of opportunities to promote different offers.

But if you’re not even sure what a niche is, then why not check out our free 2-hour training class on affiliate marketing?

You’ll potentially learn more in two hours of us sharing what we know than you’ll get from the majority of paid “training” courses.

Just tell us where to send your invite, and we’ll get one over to you ASAP.

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