The financial services sector, particularly credit cards, presents a significant opportunity for affiliate marketers.
With a myriad of credit card options available, catering to various consumer needs and lifestyles, the potential for affiliate marketing in this domain is vast.
By recommending the right credit cards, you can help your audience manage their finances effectively while earning attractive commissions for each successful referral.
And so, to assist you in navigating this complex yet rewarding niche, we have carefully selected the best credit card affiliate programs.
These programs cover a range of card types, from rewards cards to those catering to specific financial needs, offering you a chance to connect your audience with the best credit cards for their needs.
Free Training
Become a Super Affiliate Marketer 🚀
Sign up for our free affiliate marketing training & learn how you can become a super affiliate in any niche. Discover powerful traffic generation methods & little-known tactics to generate the most revenue for every single click.
Best Credit Card Affiliate Programs
The affiliate programs on this page are listed in the following order:
- Ally Credit Cards
- BMO Harris Bank
- Capital Bank – OpenSky Credit Card
- Concora Credit
- Consolitated Credit
- Debt.com
- Laurel Road
- LendingTree
- Happy Money (Payoff)
1. Ally Credit Cards
Ally Credit Cards, a part of the U.S. financial holding company ranked within the top 25, boasts over $196 billion in total assets and serves more than 11 million customers, as of October 2023.
Ally Credit Cards come with multiple benefits such as 24/7 customer care, fraud monitoring, zero liability for fraud, and transparent terms sans surprise fees or rate hikes for late payments.
The suite comprises the Ally Platinum Mastercard, tailored to aid credit goals with automatic credit line reviews, the Ally Everyday Cash Back Mastercard offering 3% cash back on specific purchases, and the Ally Unlimited Cash Back Mastercard guaranteeing 2% cash back on all purchases, including exclusive versions for nurses and teachers.
Highlights of the Ally Credit Cards Affiliate Program
- $50 flat commission on each approved credit card application
- 45 days cookie life
- Third-party tracking, user-friendly dashboard, and timely reporting
- Integrated with Commission Junction (CJ Advertiser ID: 6036382)
URL: Ally Credit Cards Affiliate Program
Commission: $50
Cookie Duration: 45 Days
Payment Term: Payment Frequency is Not Disclosed | Commission Junction Handles Commission Payments | Actions are Locked after the 10th of the Next Month
2. BMO Harris Bank
BMO Harris Bank, a leading North American institution, embodies a purpose-driven ethos: to Boldly Grow the Good in business and life. Ranked 8th in North America by assets, BMO serves over 13 million customers with personal and commercial banking, global markets, and investment banking services.
With a focus on advancement, financial inclusivity, and community partnerships, BMO pioneers a multi-year strategy, fostering an inclusive society by breaking systemic barriers. Their legacy since 1817 reflects a dedication to customer success and societal equity.
Highlights of the BMO Harris Bank Affiliate Program
- $100 to $400 commission depending on the referred action
- 30 days cookie duration
- Dedicated affiliate management team
- Transparent third-party tracking and reporting
- Integrated with Commission Junction (CJ Advertiser ID: 5336128)
- High EPC: $533.62 (3-Month) and $1,405.55 (7-Days) EPC as currently reported by Commission Junction
BMO Harris Bank Affiliate Commission Structure
- $100: Referred Signup for Smart Advantage Account, Premier Account, or Smart Money Account
- $175: Referred Signup and Completed HELOC Application
- $225: Referred Signup and Completed Mortgage Application (for refinance or purchase)
- $400: Referred Instantly Approved Application for Business Credit Card
URL: BMO Harris Bank Affiliate Program
Commission: $100 to $400
Cookie Duration: 30 Days
Payment Term: Monthly Payouts | Actions are Locked after the 10th of the Next Month (Standard Locking) | Payments are Processed through Commission Junction
3. Capital Bank – OpenSky Credit Card
Capital Bank N.A., a Maryland-chartered commercial bank, has served the greater Washington D.C. area for over 24 years, excelling in business and consumer banking. Offering branches and nationwide lending through Capital Bank Home Loans and OpenSky Secured Visa Credit Card, their dedication to customer success is evident. As a subsidiary of Capital Bancorp, Inc., a publicly traded entity with assets exceeding $2.3 billion as of September 30, 2023.
Highlights of the Capital Bank OpenSky Credit Card Affiliate Program
- $25 flat commission on each referred OpenSky Credit Card approval
- 30 days cookie duration
- Transparent third-party reporting and tracking
- Integrated with Commission Junction (CJ Advertiser ID: 2747226)
URL: Capital Bank OpenSky Credit Card Affiliate Program
Commission: $25
Cookie Duration: 30 Days
Payment Term: Payment Frequency is Not Disclosed | Commission Junction Handles Commission Payments | Standard Locking – After the 10th of the Following Month
4. Concora Credit
Established in 2001 by seasoned consumer finance experts, Concora Credit initially focused on consumer loans. Following the 2008 financial crisis, they identified an underserved market for consumer credit among individuals with imperfect credit, diversifying into non-prime consumer lending.
In 2011, Concora Credit ventured into private-label second-look finance, partnering with numerous retailers and healthcare providers. Their direct-to-consumer brands, Destiny Mastercard and Milestone Mastercard, cater specifically to non-prime credit holders, providing accessible and flexible financing solutions for everyday purchases.
Highlights of the Concora Credit Card Affiliate Program
- $30 flat lead commission on each referred and approved credit card account (Milestone or Destiny Credit Card)
- 30 days cookie life
- In-house affiliate management team
- Customised creative is available upon request
- Over 8% conversion rate
- Third-party tracking with transparent reporting – Integrated with Commission Junction (CJ Advertiser ID: 5750222)
URL: Concora Credit Affiliate Program
Commission: $30
Cookie Duration: 30 Days
Payment Term: Payment Frequency is Not Disclosed | 30-Day Locking Period | Commissions are Paid through Commission Junction
5. Consolidated Credit
For over 30 years, Consolidated Credit has been a beacon in financial education and certified credit counselling, aiding more than 10.2 million individuals in achieving genuine financial stability by tackling credit card debt. With Americans burdened by over $840 billion in credit card debt, the agency understands that debt often arises from income challenges, emergencies, or medical expenses.
Beyond debt relief, Consolidated Credit prioritises financial literacy, empowering customers with education and practical solutions. As one of the largest nonprofit credit counselling agencies, their mission revolves around guiding families nationwide to overcome financial crises through education and expert counselling.
Highlights of the Consolidated Credit Affiliate Program
- $20 starting CPL commission on each referred Credit Card Debt Relief Application (Debt must be over $10,000)
- 45 days cookie life
- Performance-based bonus that increases with the number of successful leads (you can make up to $30 per lead)
- Industry-leading partner affiliate network – Commission Junction (CJ Advertiser ID: 6130194)
URL: Consolidated Credit Affiliate Program
Commission: $20 to $30 CPL
Cookie Duration: 45 Days
Payment Term: Monthly Payouts | All Conversions are Locked after the 10th of the Next Following Month | Commissions are Paid through Commission Junction
Start Earning Commissions
Get Paid To Share This Page 🤑
Join the free Commission Academy affiliate program & start earning commissions by promoting this page as an affiliate. Simply share your unique link & stand a chance to earn over $1,000+ in commissions for every new person that signs up via this page.
6. Debt.com
For over a decade, Debt.com has been a trusted ally for Americans, aiding over 3 million individuals in alleviating more than $12 billion of debt. Specialising in professional debt solutions, the platform provides accurate, reliable, and transparent information on various debt relief options.
Their editorial team simplifies intricate financial concepts, ensuring clarity and accuracy in articles and guides. With a team boasting over a century of combined experience in personal finance, Debt.com caters to anyone seeking a secure financial future, whether aiming to overcome or avoid debt, standing by to assist when life’s challenges arise.
Highlights of the Debt.com Credit Card Debt Affiliate Program
- $300 CPL commission
- 45 days cookie attribution period
- Performance-based commission rise of up to $400 per lead
- Reliable tracking
- User-friendly affiliate dashboard with necessary tools
- Integrated with Commission Junction (CJ Advertiser ID: 6128299)
URL: Debt.com Affiliate Program
Commission: $300 to $400
Cookie Duration: 45 Days
Payment Term: Commission Junction Handles Commission Payments | Standard Locking – After the 10th of the Following Month
7. Laurel Road
Laurel Road, originating student loans in 2013, has supported numerous professionals in consolidating and refinancing over $7 billion in federal and private school loans. Expanding beyond student loans, they offer online graduate school loans, personal loans, and mortgages, employing technology to streamline lending while prioritising personal service.
In collaboration with KeyBank in 2019, Laurel Road introduced a National Digital Bank for Doctors and Dentists in 2021, unveiling a suite of products like High Yield Savings and the innovative Student Loan Cash Back Credit Card. This unique card enables members to earn up to 2% cashback, with 1% earned on eligible purchases and an additional 1% when used to pay down qualifying student loans, aligning with Laurel Road’s commitment to delivering value to its members.
Highlights of the Laurel Road Credit Card Affiliate Program
- $150 lead commission on the referred and approved Cashback Credit Card Application
- 45 days cookie duration
- User-friendly affiliate portal, third-party tracking, and reliable reporting
- Integrated with Commission Junction (CJ Advertiser ID: 5757018)
URL: Laurel Road Affiliate Program
Commission: $150 CPL
Cookie Duration: 45 Days
Payment Term: Monthly Payouts | Commissions are Paid through Commission Junction | Standard Locking after the 10th of the Next Month
8. LendingTree
LendingTree offers a vast network, linking lenders with 30 million borrowers, and granting access to exclusive high-intent leads. Known for pioneering online mortgage marketing, their trusted brand converts seekers into genuine prospects. Lenders receive hands-on support, training via LendingTree University, and access to features like state-of-the-art filters and Canopy analytics.
The platform covers diverse loans from home, equity, and personal loans to credit cards, autos, and student and business loans, simplifying the complex lending process and amplifying loan originations for partners.
Highlights of the LendingTree Affiliate Program
- $3 to $25 flat commission depending on the referred action
- 14 days cookie attribution period
- Third-party tracking and transparent performance statistics
- Integrated with Commission Junction (CJ Advertiser ID: 4884367)
URL: LendingTree Affiliate Program
Commission: $3 to $25
Cookie Duration: 14 Days
Payment Term: Payment Frequency is Not Disclosed | Commissions are through Commission Junction | All Actions in a Month are Locked after the 10th of the Following Month
9. Happy Money (Payoff)
The Happy Money Payoff Loan ranges from $5,000 to $40,000, to clear credit card debt, potentially easing financial stress and improving well-being. The interest rate starting at 12.45% APR is a relatively competitive borrowing cost for those seeking to consolidate high-interest credit card balances, offering a chance to manage debt more affordably while aiming for greater financial stability.
Partnering with Credit Unions and community-driven lenders, they prioritise members’ interests, facilitating over $6 billion in personal loans for 300,000+ members. Their culture embodies love, trust, and hustle, evident in their customer interactions and product development.
Highlights of the Happy Money (Payoff) Affiliate Program
- $150 flat commission on the referred Payoff Funded Loan
- 45 days cookie life
- Third-party tracking with transparent performance statistics
- Integrated with Commission Junction (CJ Advertiser ID: 4881039)
URL: Happy Money Affiliate Program
Commission: $150
Cookie Duration: 45 Days
Payment Term: Monthly Payouts | Commissions are through Commission Junction | All Actions in a Month are Locked after the 10th of the Following Month
Earning Big As An Affiliate In The Credit Card Niche
By exploring our list of the best credit card affiliate programs, you should now see the potential for lucrative earnings in this financial sector.
The challenge, and the key to success, is attracting the right kind of traffic—people actively looking for new credit card options that suit their financial needs.
Our free affiliate marketing training is here to guide you through the process of generating this specific type of traffic. Whether it’s reward cards, balance transfer cards, or cards for building credit, we cover it all.
If you haven’t already enrolled in our training, I strongly suggest you sign up for the free course before you leave. It’s an essential step for anyone aiming to succeed in the credit card affiliate niche.
Either way, I hope this list of credit card affiliate programs has been a valuable resource for your affiliate marketing endeavours & should you have any questions or wish to share your thoughts, please feel free to leave your comments below.
