Credit cards are a profitable affiliate marketing niche, with most offers paying affiliates between $25 and $150 per sale.
You can also help customers by guiding them through the complicated credit card market.
I’ll discuss five of the top credit card affiliate programs available in this review and my criteria for selecting them.
Due to legal issues and current US regulations, credit card affiliate programs are incredibly challenging to get approved for.
But before I get too deep.
In this Best Credit Card Affiliate Programs review, I will go deep into the upsides and downsides of the program.
But before I can say Credit Card Affiliate is good, I have to ask a very important question: is affiliate marketing even worth it?
Like other affiliate programs, we get pitched an ultimate dream…
Run an amazingly profitable business where you don’t have to worry about anything – no products, no inventory, no shipping, no customer service.
You only need to worry about putting this product in front of someone who wants to buy it, and the rest is money in the bank.
The best part?
“You can do it from anywhere in the world!”
Sounds pretty great… but is it?
It is 100% possible to make money with affiliate marketing – the real question is: is Credit Card Affiliate the best affiliate marketing program out there?
Well, the most difficult (and therefore most valuable) skill in the internet business is driving traffic AKA getting people to visit a website.
Later, I’ll talk about why driving quality traffic is so difficult.
But for now, let’s just say it isn’t exactly an easy process (unless you have a proven traffic source for the exact product you’re trying to sell).
If you break it down, is affiliate marketing much different from a 9-5 job? You work for someone else, sell their stuff, and they can fire you at any time.
You don’t really control anything, despite doing the most important part – driving traffic.
To be 100% clear, I’m not saying affiliate marketing won’t work. If you’ve followed my blog for long, you’ll know I’ve made money myself as an affiliate marketer (selling women’s health products).
I have several friends that make over $20,000/mo as affiliate marketers.
What you don’t hear about is the $200,000 they had to invest UP-FRONT to start making that money.
But let’s suppose that you REALLY want to work that laptop-entrepreneur lifestyle.
What if there was a way you could build a legitimate recurring income stream?
Recurring income that doesn’t require:
- Tens of thousands of dollars and months of time before seeing $1
- Doing the heavy lifting but only getting a small % of the sale
- Living at the whim of another person that could take it all away if they feel like it
Something that could net you anywhere from a few thousand to over $10,000 every single month, practically on auto-pilot.
A recurring income stream that you could build in a few hours per day, grow as big (or small) as you want, and doesn’t leave you at the mercy of another person?
If that sounds interesting, you might make a good Digital Landlord.
It kind of takes the nice parts of affiliate marketing but transfers the control back to YOU.
All that being said, let’s continue to the Best Credit Card Affiliate Program review.
How Do You Pick A Credit Card Affiliate Program?
When selecting a credit card affiliate program, there are a few factors to remember.
Obviously, you want your efforts to pay off if you’re going to promote anything. The commission earnings from these credit card affiliate programs are incredible.
You can earn a wide range of commissions as an affiliate for financial products. For example, as a credit card approver, you can make $25 to $150; for a personal loan, you can make hundreds of dollars.
Enticing Offers For Your Target Audience
You should search for affiliate programs as a credit card affiliate that provide your target audience with enticing rewards. Everyone has a different set of objectives when applying for a credit card. For example, people want to travel, rebates, and many more.
With the companies I mention below, you can promote products that do one of the following:
- Fixes a customer problem, such as helping them in boosting their credit score.
- Allows customers to receive points and other benefits that make that credit card appealing.
Increase Conversions With Affiliate Support
One of the things I really like about these credit card affiliate programs is that they won’t let you find out how to promote them and optimize them for higher conversions on your own.
My favorite features of these programs are:
- Credit card affiliates can use creatives that are designed to increase conversions.
- Credit card affiliate marketing managers who will work with you one-on-one to boost your results.
- Technology that makes advertising easier and more effective.
- Email swipe files so that you can quickly insert them into your autoresponder
The Best Credit Card Affiliate Programs
- Flex Offers
- Commission Soup
- Credit Card Assistance Network
MyFico is a credit scoring website.
They generate revenue by offering credit cards to leads you provide. You receive $5 for each lead, resulting in a very high EPC.
They are easy for the average affiliate marketer, which is why I enjoy them.
If you’re a credit card affiliate, you’ve noticed that the banking sector is extensively regulated, which makes getting a license to promote credit cards EXTREMELY difficult.
MyFico is a great product to promote because you can sign up with ShareASale in a couple of minutes and avoid being rejected by credit card affiliate networks (who have a lot of rules to follow).
I know this isn’t a credit card to promote like the others, but for the average guy, this is your best shot to push something in the credit card space.
A broker affiliate website is called Flex Offers. You can handle each affiliate program from their backend, which has hundreds of them.
There are other sites like this, but none of them have access to as many credit card affiliate networks as Flex Offers.
You can use their API connections and credit card widgets to automate your credit card programs.
You won’t be worrying about updating, compliance, or others.
A one-stop financial shop is Credit.com. Credit cards, loans, personal loans, and credit repair options exist.
You won’t find anything much here when it comes to using Credit.com for your credit card affiliate programs. Around 60 credit cards are available, including those from well-known credit card companies, including Visa, MasterCard, Discover, Chase, Capital One, American Express, Barclay, and Credit One.
They claim to have the highest payouts in the credit card niche, but they don’t disclose them on their website, so you can’t know how much you’ll make.
With a wide range of credit cards to choose from, you’re sure to find what your target audience is looking for, including:
- Airline Miles
- Business Cards
- Cash Cards
- Balance Transfer
- Merchandise Cards
- Gas Cards
- Secured Credit Cards
- Student Cards
- Rewards Points
Remember that Credit.com does not allow you to promote individual credit cards. Your affiliate link will send users to Credit.com, where they may check their offers.
Bankrate Credit Card Affiliate Network
The Bankrate Credit Card Network connects affiliates to top credit card issuers like Capital One, Chase, Citi, American Express, and Discover.
It gives you access to their award-winning creative content and affiliate management team. You can also promote their credit card affiliate programs by:
- Co-Branding – Credit card tools that are always up to date.
- Data Feeds –Using an XML, RSS, or API feed, you can integrate credit card content and rate reports straight into your website.
The commissions vary depending on what you promote. Unfortunately, they do not publish their commissions upfront, making it difficult to determine how much you can earn with them.
Commission Soup is a performance-based affiliate network that offers the following credit card affiliate programs:
- American Express
- Capital One
- First Premier Bank
- Credit One Bank
Your commissions depend on the product you promote.
You’ll get access to Commission Soup’s affiliate marketing team, and an account representative will help you develop a marketing strategy and track your results.
Also, their proprietary technology assists affiliates in optimizing ad placement, monitoring compliance, and tracking and improving performance.
You may certainly find something to offer your audience with over 25 different financial products accessible to promote. They have the following to offer:
- Secured and unsecured credit cards
- Credit reports
- Merchant accounts
- Stock trading accounts
The commissions vary based on the credit card or financial product you choose. You will be paid commissions when your leads become approved clients (not for leads).
To be qualified for their credit card affiliate programs, you must have a well-trafficked website. Accepting this affiliate network isn’t easy, but it’s worth it.
The commissions on this one may be pretty huge, especially since you aren’t limited to only credit cards. For instance, selling a personal loan can earn you a $325 commission.
OpenSky By Capital Bank
This credit card affiliate program should be promoted if your target market is those with poor credit. No credit check is necessary because it is a Secured Visa Credit Card.
To put it another way, you select your credit line by paying a one-time refundable deposit on the card.
This card doesn’t have many benefits because its purpose is to help those with bad credit rebuild their credit.
This card has an annual charge of $35, but for those looking to improve their credit scores, it’s a reasonable price to pay.
Credit card affiliate programs are available through Commission Soup or Credit.com.
BankAffiliates is a commission-based affiliate network that provides financial products and services such as credit, lending, insurance, and retail banking.
They give you access to a variety of special deals that you won’t find anywhere else. They also claim to offer some of the industry’s largest commission payouts.
Among the financial affiliate programs they provide are:
- Personal Capital
- Lending Club
- The Street
- Lexington Law
- Credit Sesame
- Options House
One particularly appealing feature is that they provide contests, monthly bonuses, and new affiliate incentive programs. They provide an affiliate management staff that may recommend offers for your target audience and assist you in optimizing your offers for more results.
This CC affiliate program is unique because you can earn commissions for each person you refer.
Because customers frequently prefer to speak with someone before signing up for a financial service, this is an excellent approach to reduce rejection, enhance conversions, and earn even bigger profits. The people on the phone are salespeople and will do their best to convert your lead.
Credit Assistance Network
Here’s another one that isn’t a credit card affiliate program in the true sense.
Since 2004, the Credit Assistance Network has been a leader in credit repair rather than offering credit cards.
Therefore, this can be a solution if your target market needs a credit card but doesn’t have sufficient credit.
Of course, it’s not only for credit card applicants. It helps with excessive and expired debts, short sales, and foreclosures. That means you may monetize your traffic easily.
This credit card affiliate program pays $1.25 per lead and $95 per sale, with the largest cookie window of all the credit card affiliate programs I’ve looked at.
What Is The Most Effective Way To Promote Credit Cards As An Affiliate?
You do not need to be in the financial niche to market credit cards as an affiliate. For example, you can promote credit card affiliate programs because you’re in business.
All you have to do is find the greatest credit card affiliate program for your target market.
You’ll be able to find a credit card for every group. If your target market is college students, there are several options. There are other cards for the travel specialty. You can locate credit cards for sports or dog training niches.
You only need to be creative.
Here are some of the most efficient strategies for promoting credit cards:
- Include a list of your favorite credit cards on a website resources page.
- Insert a banner into your sidebar.
- Write monetized content about credit cards on your blog, such as how to manage your money.
- Use email marketing to promote credit card deals.
- Share them on social media.
The idea is to avoid marketing credit cards in unusual places. Everyone wants and uses credit cards, but that doesn’t mean you should advertise them when you don’t normally do so. It will make sense and feel authentic if you relate it to what you normally provide your audience.
My Final Thoughts
Promoting a credit card provider isn’t fun. While it is lucrative, running a good campaign requires hard work and dedication. Also, when promoting this business, you will discover that there is no best credit card. You must also identify who needs a secured credit card and air miles.
Alternative Business Models?
Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:
Are Credit Card Affiliate Programs A Scam?
So, time for the $1,000,000 question – is Credit Card Affiliate Program a scam?
No, it’s not a “scam,” technically speaking. They aren’t going to collect your payment and then ride off into the sunset without delivering you a program.
You can make money with this program. My only gripe is that making money with affiliate marketing is NOT NEARLY as easy as Credit Card Affiliate Program wants you to think it is.
As I’ve said earlier, the most important part of affiliate marketing is driving traffic. That means being good at:
- Writing ads that sell
- Running ads on Google
- Running ads on Facebook
- Writing website blogs
- Ranking websites
- Converting users that land on your site
- Email marketing
And a whole lot more.
If you’re going to spend time learning those skills, why not do it in a way that makes YOU all the money – instead of someone else?
There’s just a lot of work to be done here, and no real guarantee of success (not to mention commissions can be small).
Don’t get me wrong – I’m ALL FOR doing the hard work now, so that you can reap the benefits later.
But if you’re going to hit something super hard for 3-6 months, and your reward is barely enough money for a tank of gas… it’s just not worth it (in my opinion).
Again, I’m not saying it won’t work – I’ve personally made money with it, as have many of my friends.
I’m just saying it’s a situation where the stars need to kind of align for you perfectly.
And you shouldn’t be in the business of leaving your fate up to the stars…
But what if instead of all that, you could work those same 3-6 months, and generate a handful of checks that generated you $500-$2,000 EACH, every single month (almost on autopilot)?
And what if you learned it from someone who has already mastered the ability to drive traffic profitably?
Better yet, what if you could see your first payment in one week, not 3 months?
And what if you could double or triple that income within the next month or two?
That’s my experience with being a Digital Landlord.
All you really need is a laptop and some internet.
Some of my friends are Digital Landlords that run their 6-figure businesses from:
- Camping trips at national parks
- Beachfront in Hawaii
- On the road in a camper van (with a pet pig!)
They focus on living an enjoyable life first, and focus on income second. All thanks to this program.
They can take weeks or months off, and money keeps rolling in.
Living happily is the top priority.
If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!
What Is My Top Recommendation For Making Money Online In 2022?
I’ve personally tried all of the major online business models:
- I’ve sold women’s health supplements via Clickbank affiliate marketing
- I’ve sold fidget spinners through Amazon FBA
- I’ve dropshipped a toilet bowl putting green on Shopify
And I made money with all of them, so trust me when I say: there is no “perfect” business model.
That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord
Whether you’re a complete newbie or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.
1)Time commitment: If you have an hour or two per day, you can do this. Even if you want to drop everything and commit fully, that works too.
You don’t have to be constantly working to make money. The income you generate is recurring.
Imagine taking off for a month to places like Hawaii, Paris, National Parks, & other spots people only dream about – all while collecting dozens of little $500-$2,000 checks. It’s like a dream come true.
But it’s only possible to do it when you’ve separated your income from your time.
2)You Own & Control EVERYTHING: With affiliate marketing, you don’t really own a single thing – not even the customers you worked so hard to “acquire.”
Don’t believe me? Read the terms of service for any major affiliate program – they can fire you or change your compensation at the drop of a dime.
As a Digital Landlord, you own everything, so you have ultimate control.
3)It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…
If you wanted to double your income as an affiliate, you would need to sell twice as much inventory, or double your profit margins. And I can guarantee you (from my days selling women’s health products as an affiliate), that’s a lot harder than a few clicks & a phone call.
4)Great Margins: Margins on affiliate products can be pretty low unless you’re selling high-ticket products. You typically have a lot of competition when you sell high-ticket stuff, so driving traffic is expensive.
Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.
Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort to create the next property decreases.
Best-case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.
5)You’re Helping REAL People: My biggest gripe with affiliate marketing is that you’re selling products that will bring you the biggest commission, not the products that will help people the most.
It’s cool to make a quick buck in the short term, but in the long term, it eats away at your soul.
But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:
Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.
You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.
Having this type of impact on the world is what will help you sleep soundly at night.
So, the rest is up to you. You could keep looking at other affiliate programs like Credit Card Affiliate Program, which might make you money 12 months from now.
You could keep researching and researching for the next few months (or few years), never making a concrete decision.
OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.
Making a fortune while actually helping real people that need it.
If this sounds like you, click here to see how it all works.