Are you looking for a high-paying job that you can do at home? Or without going outside and exerting too much time and effort? An answer to what you seek might be exactly what I’ve got for you.
Credit cards are a profitable affiliate marketing niche, with most offers paying affiliates between $25 and $150 per sale.
In this article, I’ll discuss a couple of the best credit card affiliate programs available today, and let’s see if they’re what you’re looking for.
But, before we get too far…
In this Best Credit Card Affiliate Programs review, we’ll dive into the pros and cons of these programs.
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.
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 the Best Credit Card Affiliate Programs, keep reading..
How Do You Pick A Credit Card Affiliate Program?
Before choosing a credit card affiliate program, there are a few things to consider.
If you’re going to put effort into advertising anything, you want it to pay off. The commission earnings on these credit card affiliate schemes are incredible.
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 associate, you should seek out affiliate programs that provide appealing rewards to your target market. Everyone has various aims when applying for a credit card. People want points, cashback, trips, and so on.
You can promote products that do one of the following companies below:
- Fixes a clients problem, such as helping them in boosting their poor credit history score.
- Allows customers to receive points and other benefits that make that credit card appealing.
Increase Conversions With Affiliate Support
One of my favorite aspects of these credit card affiliate programs is that they won’t allow you to figure out how to market them and optimize them for improved conversions on your own.
These are my favorite aspects of these programs:
- 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
MyFico is a website that provides credit scores.
They profit by selling credit cards to leads you provide them. You get paid $5 for each lead, which results in a very high EPC.
I like them since they are basic enough for the ordinary affiliate marketer to understand.
If you’re a credit card affiliate, you’ve noticed that the financial sector is extensively regulated, becoming certified in promoting credit cards is 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 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 is an affiliate website for brokers. They feature hundreds of affiliate programs, all of which can be managed from their home.
There are other similar services, but none have access to as many credit card affiliate networks as Flex Offers.
You may automate your credit card programs using credit card widgets and API connections.
You won’t be worrying about updating, compliance, or others.
Credit.com is a one-stop financial store. Credit cards, loans, personal finance, and credit restoration options exist.
It isn’t much you won’t discover here regarding utilizing Credit.com for credit card affiliate programs.
They provide over 60 credit cards from major credit card issuers such as Visa, MasterCard, Discover, Chase, Capital One, American Express, Barclay, and Credit One.
They claim to have the largest payouts in the credit card niche, but they don’t list them on their website, so you have no idea how much you’ll earn.
With a wide range of credit cards to choose from, you’re sure to find what your target audience is looking for, including:
- Rewards Points
- Gas Cards
- Secured Credit Cards
- Student Cards
- Airline Miles
- Business Cards
- Cash Cards
- Balance Transfer
- Merchandise Cards
Keep in mind 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 links affiliate to major credit card companies such as Capital One, Chase, Citi, American Express, and Discover.
It provides you access to their award-winning creative material and their affiliate management staff. You may also advertise their credit card affiliate programs by doing the following:
- 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 provides credit card affiliate programs such as:
- Capital One
- First Premier Bank
- Credit One Bank
- American Express
Your commissions are determined by the product that you advertise.
You will have access to the Commission Soup affiliate marketing team, and an account representative will assist you in developing a marketing plan and tracking your success.
Also, their proprietary technology assists affiliates in optimizing ad placement, monitoring compliance, and tracking and improving performance.
With over 25 different financial products to market, you are sure to find something to offer your audience. They provide the following services:
- Credit reports
- Merchant accounts
- Stock trading accounts
- Secured and unsecured credit cards
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).
You must have a well-trafficked website to qualify for their credit card affiliate programs. Acceptance into this affiliate network is not simple, but it is worthwhile.
The commissions on this can be pretty large, 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 is the credit card affiliate program to advertise if your target audience has terrible credit. No credit check is necessary since it is a Secured Visa Credit Card.
In other words, you choose your credit line by paying a refundable one-time deposit on the card.
This card has few features since it was meant to assist people with weak credit and restore 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 offers credit, lending, insurance, and retail banking.
They provide exclusive access to a selection of exceptional offers you won’t find anywhere else. They also claim to have some of the highest commission payments in the business.
Among the financial affiliate programs they provide are:
- Lexington Law
- Credit Sesame
- Options House
- Personal Capital
- Lending Club
- The Street
They provide competitions, monthly bonus programs, and new affiliate reward programs, which is very interesting. They have an affiliate management team that may propose offers for your target audience and help optimize your requests for better 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 larger profits. The people on the phone are obviously salespeople and will do their best to convert your lead.
Credit Assistance Network
Here’s another that isn’t just a credit card affiliate program.
Since 2004, the Credit Assistance Network has been a leader in credit repair rather than credit cards.
So, this may be the solution if your target demographic desires a credit card but lacks sufficient credit.
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.
My Final Thoughts
It’s not easy to promote a credit card company. While rewarding, conducting a successful campaign involves hard work and devotion.
Furthermore, you will find that there is no ideal credit card when advertising this company. You must also determine who requires a secured credit card and who needs air miles.
It will also help you check Credit Karma and Avianca Lifemiles credit card to know other programs you can try.
Are Best Credit Card Affiliate Programs A Scam?
So, are these Credit Card Affiliate Programs a scam? Not technically. You can make money with these programs, 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:
- Google Ads
- Facebook Ads
- Content Writing
- Website Building
- Conversion Optimization
- Email Marketing
- Click Tracking
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.
Are There Alternatives To These Credit Card Affiliate Programs?
Yes, there are plenty of Affiliate Marketing programs and resources to choose from if you want to pursue this business model. Here are just a few:
- CB Engine
- Simple Wifi Profits
- Wealthy Affiliate
- High Ticket Affiliate Programs
- Global Affiliate Zone
What Is My Top Recommendation In Making Money Online In 2022?
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 These Credit Card Affiliate Programs 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.