Credit Card Affiliate Program (2022 Update): Everything You Wanted To Know!

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Updated: April 15

By: Scam Risk - Expert Reviewer

Credit Card Affiliiate Program Review

Credit cards are a lucrative affiliate marketing area, with most offers earning affiliates between $25 and $150 for a single sale.

Furthermore, you can assist consumers by really assisting them in navigating a difficult credit card industry.

In this review, I’ll go over five of the best credit card affiliate programs on the market today, as well as how I chose them.

Due to legal concerns and existing US rules, credit card affiliate programs are extremely difficult to get approval for.

But before we get too deep.

This Credit Card Affiliate review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • You can make a lot of money if you target the right people.
  • They can be promoted by anyone, not only financial professionals.
The Good

Cons: What I Didn't Like

  • There is a lot of competition in this field.
  • You need to be extra careful when you are promoting financial products.
The Bad

In this Credit Card Affiliate Program review, we’ll dive into the pros and cons of the program.

But before that, let’s ask ourselves: Is affiliate marketing even a worthwhile business model?

On the one hand, the promise is great…

You don’t have to create products, worry about fulfillment, customer service, or bad reviews.

Your only job is to get the right customers in front of the right offer, and take a commission when they buy.

And – theoretically – you can do it all in an hour a day from the beach.

Sounds simple, right?

Well, not really. Driving traffic (that’s internet speak for getting customers) is single-handedly the hardest part of the entire marketing process.

Later in this review, we’ll talk about all the different skills you need to drive traffic successfully.

For now, let’s just say the promise doesn’t really match up with reality.

At best, affiliate marketing is a job. You’re working for someone else, selling their products, and at any time, they can change your commission structure or block you from selling their stuff entirely.

In this business, you don’t really own or control anything. Since – for the most part – you’re driving traffic (again, the hardest job of all) and sending it to someone else, you don’t even get to keep the customers, who are the most valuable piece of the puzzle.

At worst, affiliate marketing is a pyramid scheme. There are certain – ahem – programs that charge you a monthly “membership fee”, under the guise that you will learn how to be a “wealthy affiliate marketer”.

Once you join, however, you find out the only way to really make money is by being an affiliate for that program.

That’s pretty much the textbook definition of a pyramid scheme.

Now, let’s say you really want that hour-a-day-work-from-the-beach lifestyle.

beach laptop

What if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Thousands of dollars and hundreds of hours before seeing your first dollar
  • Doing all the hard work of driving traffic to only get a tiny commission
  • Running your business on someone else’s terms

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day testing, tweaking, and risking your money in the hope you can finally start making sales?

If that sounds like something you’d be interested in, check out Digital Real Estate. 


This is like taking all the good parts from affiliate marketing (however few there are), and putting aside all the bad.

However, if you’d still like to know more about Credit Card Affiliate Program, keep reading.

How Do You Pick A Credit Card Affiliate Program?

When selecting a credit card affiliate program, there are a few factors to keep in mind.

High-Paying Commissions

Surely, if you’re going to devote effort to promoting anything, you want it to pay off. The amazing thing about these credit card affiliate programs is their commission payouts.

The commissions you can make as an affiliate on financial products vary widely. You can earn $25-$150 for approving credit cards, and hundreds of dollars for personal loans.

Enticing Offers For Your Target Audience

As a credit card affiliate, you should also look for affiliate programs with attractive incentives for your target market. When applying for a credit card, everyone has different goals. People want points, cashback, travel, etc.

With the companies I mention below, you can promote products that do one of the following:

  1. Fixes a customer problem, such as helping them in boosting their credit score.
  2. 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 to 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 file so that you can quickly insert them into your autoresponder

The Best Credit Card Affiliate Programs

  1. MyFico
  3. Flex Offers
  4. Bankrate
  5. OpenSky
  6. Commission Soup
  9. Credit Card Assistance Network



MyFico is a credit score website.

They make money by selling credit cards to leads that you send them. You get paid $5 per lead, resulting in an incredibly high EPC.

Personally, I like them because they are simple for the average affiliate marketer.

You’ve probably observed if you’re a credit card affiliate that the financial industry is heavily regulated, which makes getting licensed to promote credit cards EXTREMELY hard.

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 that 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.

Flex Offers

Flex Offers

Flex Offers is a broker affiliate website. They have hundreds of affiliate programs and you can manage them all from their backend.

There are several sites like this, but none of them have access to many credit card affiliate networks like Flex Offers.

You may use their credit card widgets and API connections to automate your credit card programs.

You won’t be worrying about updating, compliance, or others.

creitcom is a one-stop financial shop. Credit cards, loans, personal finance, and credit repair are all available.

There isn’t much you won’t find here when it comes to using for your credit card affiliate programs. They provide around 60 credit cards, including major credit card companies such as 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

Keep in mind does not allow you to promote individual credit cards. Your affiliate link will send users to, where they may check their offers.

Bankrate Credit Card Affiliate Network

Credit card affiliate

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:

  • In-Site Tools –With their JavaScript code, you may add rate charts, credit card search engines, banners, and text links to your site.
  • 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

Commission Soup

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.

Credit Card Affiliate Program

You may certainly find something to offer your audience with over 25 different financial products accessible to promote. They have the following to offer:

  • Loans
  • 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. Getting accepted for 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

OpenSky By Capital Bank

If your target audience has bad credit, this is the credit card affiliate program to promote. Since it is a Secured Visa Credit Card, no credit check is required.

In other words, you choose your credit line by making a one-time refundable deposit on the card.

Because this card was designed to help those with bad credit rebuild their credit, it doesn’t come with many perks.

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 


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
  • Discover
  • Lexington Law
  • Credit Sesame
  • Lendio
  • SmarterBank
  • Options House

One particularly appealing feature is that they provide contests, monthly bonus programs, 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 in that 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 obviously salespeople and will do their best to convert your lead.

Credit Assistance Network

Credit Assistance Network Homepage

Here’s another that isn’t technically speaking a credit card affiliate program.

Instead of offering credit cards, the Credit Assistance Network has been a leader in credit repair since 2004.

So if your target audience wants a credit card but doesn’t have enough credit, this could be the answer.

Of course, it’s not only for credit card applicants. It helps with anything from inflated and expired debts to 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 we looked at.

Is Credit Card Affiliate Program A Scam?

Is It A Scam

So, is Credit Card Affiliate Program a scam? Not technically. You can make money with this program, but making money with affiliate marketing definitely isn’t as easy as the company makes it sound.

Driving traffic is extremely difficult. In order to do it successfully, you need to at least understand all these things, if not be a ninja at them:

  • Copywriting
  • Google Ads
  • Facebook Ads
  • Content Writing
  • Website Building
  • Conversion Optimization
  • Automation
  • Email Marketing
  • Click Tracking
  • Retargeting/Remarketing
  • SEO
  • Backlinking

And a lot more.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you only needed 1 or 2 of the above skills to get started, instead of mastering all 12 before seeing your first dollar?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

What Is The Most Effective Way To Promote Credit Cards As An Affiliate?

To market credit cards as an affiliate, you do not need to be in the financial niche. For example, you can promote credit card affiliate programs because you’re in the business field.

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, and so on.
  • 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. As long as you relate it to what you normally provide your audience, it will make sense and feel authentic.

My Final Thoughts

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 who needs air miles.

What Is My Top Recommendation For Making Money Online In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With Affiliate Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own customers.
Look at the fine print for most affiliate agreements. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.
With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with affiliate marketing, you’d have to double your traffic, double the average order size of each customer, OR double your commission rate. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5) Make Money Helping Real People: This part is what makes it all worth it. With affiliate marketing, you’re selling the product with the best commission rate, NOT the one that’s going to improve the most people’s lives.

And that makes it pretty hard to sleep at night.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like Credit Card Affiliate Program which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

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