12 Best Credit Card Affiliate Programs To Promote

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There's a lot to consider when looking for the best credit card affiliate program, but there are also some things to look out for. For instance, you want the website and the support team to be fast, friendly and responsive. 

You'll also want an easy sign up process with minimum fuss involved. If it's difficult or time-consuming then that might not be a good sign of things to come.

If you have no idea where to start, then fear not! Today, I'm walking you through some of the best credit card affiliate programs to help you boost your online biz.

What to look for in a credit card affiliate program

Scammy credit companies are a dime a dozen. Being able to tell the difference is the tricky part.

Best Credit Card Affiliate Programs To Promote

Here are some things to look out for when shopping around for credit card affiliate partners:

1. Are they transparent?

The last thing you want is to promote a company that's using sneaky marketing tactics to trick people into signing up with them. If your deal seems too good to be true, it probably is! Make sure that you're promoting companies who are open and honest about their products – at least as far as credit repayment programs are concerned.

2. Are they ethical?

It's rather ironic to promote a company that's using unethical tactics to get people to sign up for their credit cards. Fortunately, this isn't the norm. In general, honest companies will be more transparent about their products and services. If you're not sure about this, then it might be worth doing a little bit of extra research on the product or service in question.

3. Do they have a good reputation?

You should also look into the company's reputation online too. This will give you an idea of whether they have a good reputation as an affiliate company. You can do this by taking a look at their social media profiles, blogs and discussion forums.

4. How easy is it to apply?

This is really important. If it takes forever to apply, then that's not a good sign. It's also important to see how quickly you can send in the forms once you've signed up. In most cases, this shouldn't take more than 24 hours.

Best credit card affiliate programs to promote in 2022

The fact of the matter is that there are a number of credit card affiliate programs out there. However, there are certain ones which stand out above the rest. It's important to know what you're looking for. Here are a few of the best credit card affiliate programs that are around right now:

1. American Express

American Express have had a number of high-profile promotions in recent years. Not only do they have a long history, but their affiliate program is also very loyal and consistent. If you're looking for something that is highly reputable and reliable, then this is definitely the place to go.


 This company offers credit card affiliate programs for the following cards: Centurion, Platinum, Gold Rewards and Premier Rewards Gold. Each of these cards is tailored towards different customer types too. For instance, they have a business rewards card, as well as personal ones.

What I like about AmEx is that you can use their credit cards basically anywhere. This includes gas stations, grocery stores and many other types of retailers. You can even use the cards online at most websites.

Plus, their fraud detection systems are very advanced. In most cases, AmEx will cover 100% of any fraud that happens to occur on your account. This means that you and your followers won't have to worry about paying for unauthorized transactions.

Types of credit card offers:

  • Business cards
  • Travel cards
  • Cashback
  • Rewards cards

Commission: up to $200 per sale in Canada

Cookie duration: 7 days

Take a look at what they have to offer here.

2. Indigo Platinum Mastercard

A good option for anyone with a bit of a rocky credit history, the Indigo Platinum Mastercard is ideal for those who want to get some extra credit. This isn't just for new customers either, as those with a good credit history will find it easy to qualify for this card.


The beauty of the Indigo Platinum Mastercard is that you can use it anywhere. This includes restaurants and online stores alike. This offers a huge amount of flexibility too, which is more than you can say for most traditional credit card providers.

There are no foreign transaction fees here, so you won't have to pay any extra when using the card overseas.

Their quick pre-qualification process means that you can be approved in a matter of minutes. The card is released by Celtic Bank based in Utah. Furthermore, it comes in a wide array of fun and attractive colors and designs. 

Unfortunately, their fees border on exorbitant so I would advise you to be very careful about promoting this card. Nonetheless, one can only chalk it up to the fact that flexibility often comes at a cost.

Commission: 5% of total sale

Read up on their offers by clicking here.

3. Capital Bank Open Sky Credit Card

Capital Bank is another reputable company that makes our list. This company offers a good variety of credit card affiliate programs, including cashback, travel and business cards.


The beauty of Capital Bank is that they cater to a variety of credit types. You can get a secured or unsecured credit card from this provider depending on your needs and requirements. This is especially useful for those with poor or rocky credit histories. Their rates are fair, too.

What's great about their affiliate program is that you can promote it through email marketing as well as search engine optimization (SEO). This is ideal for affiliates who have the ability to drive a lot of traffic through these channels. The affiliate program itself is open to US residents only.

I like how reliable this company is, especially from a security standpoint. Transactions are secure and fraud is rare. They also have a very friendly affiliate program that pays out on time for approved affiliate applications.

Furthermore, they don't require credit scoring for their application process. This means that you don't need to worry about applicants with a poor credit history getting approved for a card.

Commission: maximum $25 per sale

Cookie duration: 7 days

You can read more about Capital Bank here.

4. Bankrate Credit Cards

It may be hard to believe but Bankrate started out as a print publisher in 1976. Back then, they offered financial advice and shepherded a new generation of readers to the world of financial advice.


Since then, this company has evolved into one of the most reliable and trusted sources for personal finance. For instance, customers trust them with their finances more than over 30% of all other financial advisors that are in the industry today. Every year, they offer over 7 million credit card offers to customers across a wide array of different cards.

They have a wide variety of products too, from travel and business ones to cashback and rewards cards.

In 1996, they launched their information business. Part of their program involved their Bankrate credit cards. Currently, they have a VISA card and a Mastercard that they offer to their customers.

The affiliate program is a bit murky, and there's not a ton of information online. While I'm not a big fan of how "secretive" their program is, it's clear that a lot of their affiliates make good money. Furthermore, they don't require credit score submission either.

If you're interested in learning more about Bankrate's affiliate program, check out their disclosure page here.

5. USAA Credit Cards

This is a financial services firm that is entirely dedicated to serving military members, veterans and their families. It was founded in 1922 to help veterans who fought in World War I.


Today, USAA serves over 12 million members and has over $80 billion assets under management.

USAA offers a variety of credit cards to consumers. Their travel and rewards cards are very popular because of the lucrative cashback features that they offer. They also have a good set of benefits for several of their cards, and some of them come with no annual fee. 

It's a good choice for their flexible application process too. You can qualify with a variety of information, including your credit score and income. These factors help them determine whether or not customers are likely to repay their debts.

Furthermore, their customer service is known for being very helpful and resourceful in times of need. This company is also very dedicated to serving the military community.

One thing that makes them unique from other affiliate programs is that they give top-performing affiliates the option to ask for a higher commission - isn't it great? 

Commission: up to $20 per lead

Cookie duration: 30 days

You can learn more about their affiliate program here.

6. Credit.com

Credit.com is a well-known company that offers credit ratings and articles. They have over 30 million members, and they have been around since 1995. Credit.com is arguably the most well-known provider of free financial advice in the U.S today.


The way they operate is that they publish articles on several general topics including credit cards, debt, bankruptcy and mortgages. These articles are available for free to the public. Readers can also subscribe to their premium content by paying up to $19 per month.

Affiliates earn money by promoting Credit.com through links, banners and landing pages. This is a great program for those who want to make some money while giving away free resources that improve financial literacy.

They offer a flexible payment model as well. They pay in either cash, checks or PayPal. This is great if you're dealing with restrictions on your financial account to withdraw funds from.

Furthermore, their affiliate program is open to residents in all countries and states, not just the U.S.

I like how comprehensive their content library is, especially for financial topics. This means that you can drive a lot of targeted traffic to your landing pages, increasing your chances at earning more money from them.

Furthermore, their program gives you and your customers access to several different major credit cards such as AmEx, Visa, Mastercard, Discover and JCPenney. This is a great way to set yourself up as a location-based affiliate.

Commission: Varies

Cookie duration: Undisclosed

You can learn more about Credit.com here.

7. Luxury Card

Luxury Card is exactly what the name suggests - a luxury credit card. The card itself isn't made of ordinary plastic. Instead, this premium card is made of stainless steel and carbon material.


It comes with a variety of rewards and benefits that make it very appealing to customers. This card is made for customers who want to enjoy luxury in their lives by purchasing branded items, dining out and traveling.

Additionally, if you want your card to look extra luxurious, you can order a 24K gold version. The card itself offers a cashback of 2% on both transactions and cash advances, which is a pretty good rate. Furthermore, there's also the added bonus of being able to access airport lounges in airports that offer these benefits as well.

This is an affiliate program where affiliates can earn a lot from just driving a lot of traffic to their website. The cashback they offer is pretty much unmatched in the industry, and this is presumably because they have customers who are willing to pay more for luxury goods.

There's no minimum payout amount, and there's no limit on the number of cards that you can refer to either.

It should come as no surprise that this card offers the highest payout on this list. While the program is easy enough to apply to, it can be difficult to promote. Since it doesn't appeal to a regular audience, you'll want to  make sure you have a high-end site that caters to luxury-geared clients.

Commission: $405 per sale

Cookie Duration: 30 days

Find out more when you click here.

8. Scotiabank Credit Cards

Scotiabank is Canada's largest bank by market capitalization and the fourth largest in the world! It was founded in 1832 by William Lawson, one of Canada's wealthiest men. Today, it is the 14th largest publicly-traded company in all of Canada.


Scotiabank offers a variety of credit cards to consumers in Canada and the U.S. They have travel rewards cards, cash back cards, travel points cards and more. All of these credit cards come with different perks and benefits.

They also offer higher rewards through certain redemption methods like flight search or hotel stays. For instance, a flight search earns you 3% of your redeemable miles back as cash. The rewards that you earn are called Scotia Rewards Points, and they are redeemed as statement credits or deposits into a Scotia One account.

This is an affiliate program where affiliates can earn money by driving traffic to their landing pages. The sign-up process is pretty straightforward, and customers can apply for the credit cards through clicking on your special links.

Furthermore, the program allows you to earn up to 99 CAD on every sale. This is a great program for affiliates who want high-paying credit card affiliate programs that offer high commissions and great opportunities for earning money.

Commission: up to 99CAD per approved card

Cookie duration: 30 days

You can learn more about Scotiabank here.

9. Upgrade Credit Card

Upgrade Credit Card offers a Visa Signature card that gives you access to cash back rewards, travel rewards and points. This credit card has no annual fee, so it's perfect for those who want to earn cash back rewards without paying a large amount of money every year. What makes it unique is that you can even redeem your points and rewards for things like a magazine subscription or money to donate to charity.


These rewards are exclusive to the card itself, so you won't find them with any other card. They also have great deals on balance transfers for those who might need some help consolidating their debts.

The card offers up to $2000 in credit. Its biggest selling point is that it operates much like a card that releases your personal loans. This means that you can make purchases that may be in your personal borrowing cycle and still receive cash back rewards.

I like how the program is completely flexible, so it can be used by both beginners and experts. It was also pretty easy to apply for as well, so it's a great program to use if you're looking for a quick, simple program with fairly straightforward requirements.

Furthermore, the company's got everything you should be looking for in a credit card company that cares enough to offer this type of experience. They've got a fantastic credit score, which shows how much money they can lend you.

The company is also very active in the community, and they're known for their philanthropic activities around the world.

Commission: $60 for every referral

Cookie Duration: 30 days

You can learn more about Upgrade Credit Cards here.

10. Avianca LifeMiles Credit Card

This credit card is an excellent choice for travelers, as well as frequent vacationers. It is the only airline credit backed by a major brand, and almost all of their products are money back. They have cards that pertain to different airlines and also student cards.


The Avianca LifeMiles offers a host of rewards and benefits that you can use when you travel. These rewards can be used towards flights, hotels and even car rentals. They are also great for merchants that sell travel-related products, as well as airlines, hotels and car rental companies.

Additionally, the card offers 0% APR for the first year. This means that you'll be able to use the card without paying interest in the first year. This is especially useful if you're going on a trip soon, so it's a great perk to have while you're traveling abroad.

There are no foreign transaction fees of any kind, so this is great for those who travel frequently and have to use foreign currencies on a regular basis.

The program is easy to apply for, and it's even easier to refer a friend. This is because the sign-up process doesn't require you to enter in a large amount of personal information. You can simply fill out the form, click on the link provided and then choose your offer.

Commission: up to $200 for each referral

Cookie Duration: 30 days

Find out more when you click here.

11. Petal Visa Card

The Petal Visa Card is a great credit card for those who love flowers and rewards. Its design is sleek, feminine, and quirky to say the least.


The company has incredibly flexible payment options, meaning that you can even make monthly payments if you're having trouble paying your dues in full every month. The best part is that payments are completely interest-free, so there are no penalties for late or missed payments.

The rewards are great too, and you're getting them for practically everything you spend money on – like flowers, gas and even cellphone airtime. You can redeem points for a lot of different things – airline tickets, merchandise, gift cards and more.

The rewards are completely flexible as well. They even have a travel partner program that lets you earn extra rewards on top of the regular ones. The card can be used wherever Visa is accepted.

I really like how you can use the card wherever it is accepted. The website is also very easy to use, and it'll guide you through your application with simple and clear instructions. Plus, you don't have to worry about applying even if you have a bad credit score.

Commission: $15 for every sign up

Cookie Duration: 30 days

You can learn more about the Petal Visa Card here.

12. Experian

Experian is a credit agency based in the UK.  They have a number of products and services including credit reports, identity protection, web marketing, etc. The Experian credit card comes with excellent sign up bonuses and rewards that can be used at several different merchants. 


With an Experian credit card, you can earn rewards on purchases made at numerous merchants around the world. You simply need to provide some basic information online or over the phone to start receiving these great benefits as soon as you receive your new card.

What's more is that you can also use this card to rent a car and even get free healthcare services at several hospitals. You should be able to have the best in class customer service as Experian will be there to assist and guide you every step of the way.

With an Experian credit card, you will be able to receive cash back rewards on every purchase you make where most major credit cards will offer benefits only on selected merchants. I like how this card offers very good cash back rewards that make it easier to travel around the world. This is a great card for those who are interested in traveling a lot and visiting various countries.

It also has very simple eligibility requirements, so no matter your credit score, you can still use the Experian credit card and receive great rewards with every purchase you make. I love how the program has no annual fee and limited interest rates, making it a decent option for those who want to get rid of their debt quickly.

Commission: up to $100 for each sale

Cookie Duration: 45 days

Learn more about its affiliate program here.

Conclusion: what's the best credit card affiliate program?

The credit card affiliate program industry is worth billions of dollars.  And it's not hard to understand why: with a credit card, you can earn money for practically everything you spend money on. This makes them the perfect product, and the total number of people interested in the product is far higher than you might think.  

This translates into really high conversion rates if you choose to be an affiliate for any of these programs. Keep in mind that the best one remains entirely up to you. But if I had my pick, you can't go wrong with American Express.

About the author 

Peter Keszegh

Most people write this part in the third person but I won't. You're at the right place if you want to start or grow your online business. When I'm not busy scaling up my own or other people' businesses, you'll find me trying out new things and discovering new places. Connect with me on Facebook, just let me know how I can help.

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