8 Best Credit Card Affiliate Programs In 2026 [Updated]

With Credit Card Affiliate programs, you can earn as much as $200 per lead!

You can earn substantial commissions by promoting credit cards through affiliate marketing. In fact,  the global Credit Card market is expected to grow by 2.5% CAGR by 2030, with a market size of 117.77 billion.

Though this niche comes with fierce competition, it offers compelling opportunities for finance bloggers, comparison websites, and digital entrepreneurs.

In this article, I have listed 8 top credit card affiliate programs that offer high commissions on each deal.

Let’s find out how you can maximize your earnings with these affiliate programs.

8 High-Paying Credit Card Affiliate Programs in 2026

A quick look at these programs before we go into the details:

Sr. No.	Credit Card Affiliate Programs	Commission
1.	American Express Affiliate Program	Up to $200 per sale
2.	Experian	Up to 20% per sale
3.	USAA Credit Cards	Up to $25 per lead
4.	Credit Karma Affiliate	Up to $7 per new signup
5.	Bankrate Credit Card Affiliate	Varies on the products you promote
6.	Credit Sesame Affiliate	Up to $3 to $6 per signup
7.	Scotiabank Affiliate	Up to $175 CAD per product sale
8.	Luxury Card Affiliate	Up to $180 USA per approved sale

1. American Express

• Affiliate commission: Up to $200 per sale
• Cookie Duration: 7 Days

American Express Company (Amex) is one of the most prominent American bank holding companies, issuing personal, small business, and corporate credit cards.

It is also one of the oldest banks, founded in 1850, and now has a substantial market capitalization of over $228.23 billion. If you’re looking to promote a well-known credit card brand, you can’t go wrong with Amex.

The #1 reason millions of people use American Express cards is that they offer a lot of purchase protection benefits to their cardholders, such as;

• Extended warranty protection
• Purchase protection
• Return protection, etc

When promoting Amex cards, focus on explaining their benefits to attract website visitors to try their products. 

High commissions: Another big reason is that American Express offers affiliate marketers some of the highest commissions in the industry. For example, you can earn up to $200 per approved application for the American Express Platinum Card.

American Express credit card affiliate program

Visit this link to join their affiliate program. Once you submit your application, it will take a few days for American Express to approve or deny it. Once approved, you can start promoting it to make money.

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2. Experian

• Affiliate commission: Earn up to 20%
• Cookie Duration: 30 Days

Experian is one of the BIGGEST data analytics and credit reporting companies in the world.

In fact, Experian has a huge database of over 200 million consumers. If you’re looking for a credit card affiliate program that offers quick and easy access to customer credit reports, Experian is an excellent choice for you.

Once you become an affiliate for Experian, you can choose to promote a wide range of products, including credit reports, credit monitoring, credit repair, identity theft protection, and more. So, you’ll have plenty of opportunities to make commissions as an affiliate. 

Experian is a well-known brand in the credit card industry, which means that people are more likely to trust your recommendations and click on your affiliate links.

Experian credit card affiliate program

You can visit their official affiliate page to join their program. Make sure to include your website URL, a brief description about it, monthly traffic, etc., while emailing them. 

Once you send the email request, they will review your information and get back to you within two working days.

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3. USAA Credit Cards

• Affiliate commission: Up to $25 per lead
• Cookie Duration: 30 Days

There’s one unique thing about USAA credit cards: USAA is only available to active and retired military members, as well as their families. So, they have a highly targeted set of customers who are mostly disciplined with their payments. 

This card is a great promotional option if some of your audience members are from the military. One more reason to promote USAA cards is that they offer generous rewards programs.

• For example, the USAA Cashback Rewards Plus American Express Card offers 5% cash back on gas purchases and on purchases made on military bases.
• 2% cash back on supermarket purchases.
• The USAA Preferred Cash Rewards Visa Signature Card offers 1.5% cash back on all purchases.

So, it’s easier to convince your audience to try their products, which ultimately results in more commissions for you.

USAA credit card affiliate program

You can visit this page to find more details about their affiliate program. Remember that the commission you earn depends on the USAA credit card product the person signs up for.

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4. Credit Karma Affiliate

• Affiliate commission: Up to $7 Per New Member
• Cookie Duration: 30 Days

Credit Karma is a popular platform that allows you to check your credit score at any time without incurring any fees.

But it only pays up to $7 for every new sign-up. Consider it only if your website generates a significant amount of traffic. 

Credit Karma is a well-known brand that was founded in 2007. It has over 110 million users worldwide. This makes it easy to promote Credit Karma to your audience and convince them to sign up.

Credit Karma offers a wide range of financial services you can promote as an affiliate, including;

• Credit cards
• Personal loans
• Mortgages
• Auto loans
• Insurance products
• Credit monitoring services
• Debt repayment services and more

Credit Karma affiliate program

You can click on this link to join their affiliate program. Once you are approved, you will receive a unique affiliate link that you can use to promote Credit Karma and its products and services.

Related Read: Looking for more high-paying affiliate opportunities? Find the list of the best real estate affiliate programs.

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5. Bankrate Credit

• Affiliate commission: Varies depending on the products you promote
• Cookie Duration: also varies by offer

Bankrate operates as a financial comparison and lead-generation platform. As an affiliate, you promote credit card offers listed on Bankrate and earn commissions when users submit qualified applications through your links. Payouts vary by offer and issuer.

Bankrate, as a financial comparison platform, provides access to numerous credit card offers from various banks. So, you can persuade different types of credit card holders to promote their products and make money.

There are a few benefits for affiliates who’re promoting Bankrate, which include;

• Monthly payouts
• Access to customer service
• Access to banners to promote their products
• User-friendly tracking and reporting interface
• It is totally free to join

Bankrate Credit Card Affiliate Program

You can visit the official website page to join as an affiliate to start promoting their products.

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6. Credit Sesame

• Affiliate commission: You’ll receive a commission for a new sign-up. (Up to $6.00 per sign-up).
• Cookie Duration: Cookie duration is not publicly disclosed

Credit Sesame affiliate offers one of the best payouts in the credit card industry.

Credit Sesame is a credit and loan company that offers various credit-related services, including free credit scores, to attract new customers.

The best part about Credit Sesame is that it offers a wide range of products, including;

• Credit Cards
• Home Loans
• Auto Loans
• Credit Builder

When you’re promoting such affiliate products with a variety of offers, you can easily attract a lot of new customers to try those products.

Credit Sesame Affiliate

Visit this page to sign up for their affiliate program for free. After submitting your application, the Credit Sesame team will review it. If approved, you will get access to your unique affiliate links to promote the program.

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7. Scotiabank Affiliate

• Affiliate commission: Varies depending on the products you promote (Up to $175 CAD CPA)
• Cookie Duration: 30 days

This program is specially for anyone who is looking to promote banking products in Canada.

Scotiabank is one of Canada’s top banks that offers personal banking, savings, and credit cards. They have around $1.5 trillion in assets and a solid reputation as a “trusted financial partner” for millions of their customers.

Their affiliate program runs on a CPA model, i.e cost-per-acquisition model. This means you earn when someone signs up and gets approved using your links.

A big plus of partnering with this program is that they offer up to $175 CAD in commission, depending on the product you sell.

Their major focus is on Canadians who are students, young professionals, families, and even small business owners with banking accounts, as well as various credit cards.

Scotiabank Affiliate Program

The Scotiabank affiliate program runs through Fintel Connect, which is a partner marketing platform built specifically for financial services.

The program is strictly CPA based. On the payout side, you get:

• Around $100 CAD per savings account opened.
• About $75 CAD per chequing account opened.
• Roughly $110-$175 CAD per approved credit card (exact amount depends on which card you drive).

The cookie window is usually 30 days. Click here to apply for the Scotiabank Affiliate program.

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8. Luxury Card Affiliate

Affiliate commission: $180 per approved account 

Cookie Duration: 30 Days 

Luxury Card is a premium lineup of metal credit cards from Mastercard. Luxury Card’s affiliate program is perfect if you are after big payouts from promoting high-end credit cards that feel like a status symbol.

They are made for people who want luxury perks without the everyday hassle, and affiliates like you can cash in nicely when readers sign up.

Luxury Card offers three standout cards, that are, the Gold Card, Black Card, and Titanium Card. They are built from a mix of stainless steel and carbon, with even a 24-karat gold option.

For users buying this card, get perks like 2% cashback on purchases, 2% value on air miles with no blackout dates, airport lounge access, and a 24/7 concierge for booking trips, events, or whatever they need. So this card is specially targeted for people who love luxury travel, fine dining, or elite rewards.

Luxury Card Affiliate Program

As an affiliate, you earn from $180 USD to almost $405 USD per approved sale. That is one of the highest in credit card affiliates. 

The cookie period lasts for 30 days, and your payments come via bank transfer or PayPal once you hit a $50 minimum, usually monthly. You can sign up through Flexoffers. Here is the link to apply for the Luxury Card affiliate program.

So if your blog covers premium cards and cashback deals, your readers will eat this up because it positions them as savvy about upscale options.

Related Posts:

• Cryptocurrency Affiliate Program
• 100 Affiliate Programs for Bloggers in Every Niche

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Final Thoughts

Credit card affiliate programs are a great way to earn money online by promoting trusted financial products. Many companies and networks, like Bankrate or CreditCards.com, let you earn a commission when someone applies or gets approved for a card through your link.

Keep in mind that commission rates and cookie durations vary for each offer. To succeed, focus on honest reviews, helpful comparisons, and clear advice that builds trust with your readers.

What are your thoughts on the affiliate programs listed here? Have any more questions? Let us know in the comments. 

FAQs

Here are some questions most people ask about credit card affiliates.