Hello there Sea Changers. Welcome back to my series of program lists to assist those of you looking to fund your sea change with affiliate marketing. My name is Paul and I have been making money in the affiliate marketing game for the past decade and have created this site to assist those of you looking to do the same.
Today we are going to look into an interesting and surprisingly lucrative niche where we investigate my 8 credit card affiliate programs to swipe this year. I use the term interesting as it is not an area I had ever really considered when it comes to affiliate marketing but my recent research into crypto currency and finance has revealed a very large cross section of opportunities here.
- Bankrate
- Avianca Life Miles
- OpenSky
- Indigo
- Luxury Card
- USAA
- Viabuy
- CreditRepair.com
That's right! Wealthy Affiliate provided me with all of the tools and training I needed to get this post in front of my audience - a.k.a YOU!
You too can start your very own online business here that can make you money from anywhere in the world!!
Before we begin however, I am conscious that there are a number of different areas or sub niches within this subject hence the quantity of affiliate programs to choose from may be just as large. So how have I picked my best 8? Well… I really just wanted to give you a good cross section of what is out there so I did some searching around and checked a few out and chose them by looking at:
- What they offer
- Commission rates
- Payment terms
- Cookie duration
- Application processes
- Affiliate/Marketing materials provided
Legalities and Financial Implications
Before we begin however, there are a couple of things I just wanted to to cover. Firstly it should be highlighted that legalities around the use of credit cards vary substantially from country to country. Secondly, by nature, the use of credit cards place users into a contracted arrangement in which debt must be paid with some suffering intense financial pressure and loss – not to mention legal implications of collection processes.
So if you are looking at this from an affiliate marketing point of view, great care must be given as to whether you could be construed as giving actual financial advice or not as many countries also regulate those who are legally able to do so. With all that in mind then, the list of affiliate programs below is provided on a factual basis only and due diligence should be undertaken in regards to their jurisdictional legalities prior to applying. They are also not provided with any financial advice in regards to the acquisition or use of credit cards.
Credit Card Affiliate Programs
So, now that that is all out the way, let's have a look at 8 programs that I have found below:
1. Bankrate
Bankrate is a large and well-known banking management site that offers access to financial products from a vast number of financial institutions such as banking, mortgages, investing, loans and insurance. In terms of its credit card offerings it provides information and application processes for products with institutions such as:
- American Express
- Capital One
- Chase
- Citibank
- And others
Each card outlines not only their interest rate and financial information but also rewards programs, welcome offers, fees and low interest transfers as well.
This is a great site for affiliates as it allows you to cover all aspects of credit card applications in the one spot. In addition to this there is also the obvious ability to branch out into other financial areas such as those listed above as well should it suit your site. There is also a great news section allowing readers to keep up to date with current events within the financial world.
Commission Rate: Up to 40%
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, Bankrate's affiliate program is managed by RV Media. You will be required to apply for an account then for the Bankrate affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Banners, text links
2. Avianca Life Miles
Avianca Life Miles is a rewards based credit card affiliated with the Avianca Airlines group – representing Latin American airlines integrated in Avianca Holdings S.A. Their credit card, like many within the airline industry is designed to be utilised in conjunction with travel on their services with offerings such as:
- No foreign transactions fees
- Free additional piece of baggage for travel between the United States and Central America
- A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
- An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
- 15% discount on purchases of miles
- No cap on the number of LifeMiles you can earn
- Chip-enabled card provides added security
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Protection against unauthorized charges
- Emergency Card Replacement
- Online Account Management
- Electronic Statements
- Auto-pay option
This site would work best when incorporated into airline, hotel or other travel niches as there is generally not enough to build an affiliate marketing site on their own. If this airline is not one that you would be looking at then i also suggest checking out others for their affiliate programs as most airlines do offer services such as this.
Commission Rate: $200 commission for approved applications
Payment Terms: Monthly
Cookie Duration: 30 Days
Application required?: Yes, the Avianca Life Miles affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Avianca affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links, banners
3. OpenSky
Our next site, OpenSky, is a subsidiary of Capital Bank (you join their affiliate program) that offers a range of “consumer friendly secured credit card” options designed to assist people with not only getting themselves a credit card but also to rebuild poor credit ratings as well. Each card is secured to a certain limit via the payment of a security deposit against the card. Funds available then match the amount of the security deposit but do not draw from it as the card is used.
This site would definitely make a great addition to any of the credit card, investment or finance niches. They also offer some great information and educational services in regards to credit scores and credit card management as well.
Commission Rate: $25 per sale
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, the Capital Bank affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Capital Bank affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links, banners
4. Indigo
Indigo is another credit card company that offers “those with less than perfect credit the chance to build a positive payment history” this time without the need for a security deposit. Applicants are able to pre-apply without a credit score needed with monthly reporting to credit bureaus designed to increase and repair rankings within these agencies.
As per the site above, there is probably not enough on this site to base an entire affiliate marketing site around unless you are dealing solely with MasterCard or Celtic Bank (the underwriter) however it would be a great addition to any finance, banking or investment type affiliate business.
Commission Rate: Not Stated
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, the Indigo affiliate program is managed by Commissionsoup (as are many other credit card companies so worth a look here too). You will be required to apply for an account then for the Indigo affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Banners, text links
That's right! Wealthy Affiliate provided me with all of the tools and training I needed to get this post in front of my audience - a.k.a YOU!
You too can start your very own online business here that can make you money from anywhere in the world!!
5. Luxury Card
Luxury Card is a “global leader in the premium credit card market with a mission to shape the industry through innovation, value and service”. They offer a range of high end credit cards including, Gold, Black and Titanium versions all manufactured with a stainless steel front (black or gold-plated) and carbon back for that special luxury feel. Each card also offers:
- Luxury Card Rewards®
- MasterCard® Gold Card™ Benefits
- 24/7 Luxury Card Concierge®
- MasterCard® Priceless®
- Luxury Card Travel®
- LUXURY Magazine®
As with most of the credit card sites listed here, this is probably not one that you would build an entire affiliate marketing business around however it would be a great companion/add on to just about any credit card, finance, investment or trading related site possible or within the luxury travel niches as well.
Commission Rate: $405 per sale
Payment Terms: Monthly
Cookie Duration: 30 Days
Application required?: Yes, the Luxury Card affiliate program is managed by Flexoffers. You will be required to apply for an account then for the Luxury Card affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
6. USAA
Although more of an overall financial services company than just a credit card based one, USAA provides services to U.S. military members and their spouses, as well as children of USAA members. Their offerings in this area cover both Visa and American Express with a healthy rewards program offering bonuses for dining out, gas, groceries and other qualifying purchases.
And for those in the greater financial services niches they also offer a great range of:
- Banking: Checking & Deposits,
- Investments: Brokerages, Mutual Funds, IRAs
- Loans: Mortgages, Home Equity Line of Credit, Auto Loans
- Insurance: Auto, Life, Home, Renters, Valuable Property, Umbrella
- Shopping deals and discounts
Obviously this site would work best as a base or add on to any general credit card related affiliate business or incorporated within any mainstream finance, lending or investments site as well especially where the focus is on the military. And to assist with reader information there is also a fantastic range of calculators and a financial blog too.
Commission Rate: Up to $80 per sign up
Payment Terms: Monthly.
Cookie Duration: Not Stated
Application required?: Yes, USAA's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the USAA affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Text links and banners
7. Viabuy
Out next site, Viabuy takes us into the world of personalised, prepaid credit cards with a range of options for:
- People with bad credit history and problems to open a checking account in other banks.
- People who consider it important to use a premium MasterCard.
- Consumers who require the highest standards of payment security.
- Companies interested in company salary payment and credit card solutions.
There is probably not enough here to base an entire affiliate marketing business around however their offerings would certainly be a great addition to any credit card, general finance or credit reporting type niche. And as with traditional credit cards, Viabuy offers a range of rewards benefits such as travel and shopping discounts as well.
Commission Rate: Not Stated
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, you will need to write a short email to affiliate@viabuy.com and provide the following information:
- Address(es) of your website(s)
- Unique IP's per day (visitors per day)
- First name and surname, address, email address, phone number
- Experience with prepaid credit cards
Marketing material provided: Text links
8. CreditRepair.com
As the name suggests, CreditRepair.com works in the credit score side of things (a good score is a must for most credit card applications) with a range of services including:
- Credits score reporting.
- Credit solutions management.
- Credit score challenges and disputes.
- Ongoing monitoring.
This would make a great addition to any credit card or financial services affiliate site or as a baseline for those looking to assist those new to the world of finance and credit. There is also a fantastic education section outlining everything you could need to assist in your affiliate posts.
Commission Rate: Not Stated
Payment Terms: Monthly
Cookie Duration: Not Stated
Application required?: Yes, CreditRepair.com's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the CreditRepair.com affiliate program. You will need to enter personal and website information to apply.
Marketing material provided: Banners, text links
How to find your own affiliate programs
As stated earlier, by outlining the sites above I have really just tried to give you a good cross section of the types of programs that are out there by listing the really good ones in each ‘category'. That does not mean that you cannot find affiliate programs that better suit what it is that you are trying to do within this space especially as I could never even begin to cover every credit card related requirement or sub niche in the one post. Luckily for us, there is a simple way to find these programs online.
All you need to do is enter “affiliate: niche type” into your search engine (substituting ‘niche type‘ for whatever product it is that you are choosing to sell).
There are credit card affiliate programs for everything else that we have listed at the top of this page as well – you will just need to have a look around until you find one or two that suit your site. Once you have completed your searches, you can look through and find programs that:
- Relate to your niche/problems that you are solving.
- Have quality products – your brand can be severely damaged if you promote poor quality or untrustworthy products.
- Have solid payment and customer service arrangement.
- Pay decent commissions.
- Have good testimonials covering commission pay-outs and quality of product.
In most cases, you will need to apply for the program before you are allowed to promote their products – don’t take this step lightly or you will be rejected. Affiliate programs will generally want to know:
- Your website name.
- Traffic levels.
- Why you want to join – (so I can make money by selling your credit card program is unfortunately not generally a good enough answer).
- How you plan to promote their products.
Conclusion
So… There are 8 of the best credit card affiliate programs to swipe this year. I hope it has been helpful for you as you commence your own credit card based affiliate marketing business and as usual, please do not hesitate to comment below if you have any questions, need some advice or have any experiences to share.
Oh, and especially comment if you have any experience with these, or any other programs as well.
Until next time
Have fun
Paul
Note: If you make a purchase from this page, there is a very good chance that I make a commission from it – these commissions do not increase your sale price. This may include sales made via Wealthy Affiliate.
Do you want further assistance with any of the above or need help to build your own credit card or finance based website?
Are you looking for a comprehensive training platform that can give you step by step training, 24/7 support, tools to develop and host your very own website, ongoing assistance with SEO and social media and access to some of the best affiliate marketing minds on the planet, then click on the following link to read more about Wealthy Affiliate.
Introducing Wealthy Affiliate, My #1 Recommendation for Setting Up Your Own Online Business
When I started, I knew I wanted to work online, but had absolutely no idea where to begin! You see I had watched friends of mine run a sales party to sell essential oils and someone asked if they could just sell them online?
Then, as I sat on the bus heading into my office job, I started to wonder if I could do just that, sell essential oils online.
Anything to stop having to catch this bus to and from work every day right!
The trouble was, as I mentioned above, I had no idea how to even start.
So of course I started to look around online and found all these courses! They all promised me riches then took my money but left me with no riches!
Then I stumbled across the program that didn’t promise me riches, but told me it could help me get started even with no experience!
So I did that, joined Wealthy Affiliate that was it, and the rest as they say, is history!
But it doesn’t come without work!
That is the key here! I began on their starter membership and did the training! I then joined as a member and did some more training!
Each night after work, I would do a little more, then a little more.
And to cut a long story short, after 10 months I realized I didn’t really like writing about essential oils, so I sold the site for about $2000. But I had learned so much that I started another – about fishing and camping!
Then, after 18 months (by which time it had earned me close to $10k), I was offered $17k for the site, so I sold it too.
Now, through my travel blog, I’ve been able to fund my passion for travel and explore different places around the world.
In the past few months, I’ve been fortunate enough to travel to some amazing destinations, including Bali, Los Angeles, Dallas, Vancouver and Las Vegas.
The success of my travel blog has allowed me to fully fund my travels and explore new destinations with my family.
Try the Wealthy Affiliate as a Starter Member and Build your First Hub!
As you start your journey, Wealthy Affiliate is there for you with the most comprehensive training package I have ever seen – And as I have mentioned, I have used a few in my professional career trust me.
To get you started, Wealthy Affiliate has recently introduced the Hub.
The Hub
The hub is an AI based niche and website creation tool that will get you up and running with the foundation of your OWN business in just a few minutes. This includes:
- Your website – hosted and inclusive of a WordPress editor
- Your brand
- Your ‘done-for-you’ research
- Your blueprint
- A task list that is going to help you drive the creation and growth of your business moving forward.
The hub makes the website creation process simple which allows you to get started on the training with a solid base and understanding of the processes.
All you need to do is choose your subject – which is known as your ‘niche’ – and follow the steps on the screen.
Oh, and as you run through the training below you may realize that what you created above is not exactly what you want. That’s ok, you can just create a new hub!
Wealthy Affiliate Training
Then as you continue your journey, the Wealthy Affiliate Hub is there for you with the most comprehensive training package I have ever seen – And I have used a few in my professional career trust me.
Above we discussed the use of the Hub to set up a website. Once you have done this, you will be able to access the “Step-by-Step Core Training”.
This is available to all members including starter members and will give you everything you need to know to continue to create your online business.
Member Training
There are also Live weekly classes taught by REAL industry experts on a range of topics like artificial intelligence (AI), SEO, YouTube, WordPress, PPC marketing and more.
Great, What Else Does Wealthy Affiliate Have To Help You?
So, let’s keep this short, Wealthy Affiliate is a one-stop-shop platform that provides:
- The Hub – this is the starting point and uses AI processes to assist you in determining your niche and creating your brand.
- Complete training programs to assist with the development of your own affiliate marketing website in your own niche.
- Website creation and publishing tools including access to WordPress editors and themes.
- AI Content article design and content creation
- Domain name purchasing (you get a free domain when you upgrade to the Premium membership).
- Website hosting, security and backup.
- Online help and chat forums.
- Weekly live training events.
- 24/7 support.
- Keyword access tools.
- SEO assistance.
The platform has been active for over 15 years with the original developers and owners, Kyle and Carson, still extremely active in its day to day operations – especially as they rollout their AI capabilities.
You Can Try it Yourself For Free
Now of course I can tell you all about how Wealthy Affiliate works (because it does) until I am blue in the face. But every other program out there – including the shams and scams – will tell you the same thing!
So how about you just try it for free yourself. The Wealthy Affiliate Starter membership is free to join and gives you access to everything you need to get started – all without the need to spend a cent!
With the starter membership, you get:
- 1 Limited Business Hub
- 1,500 AI Word Credits
- Try the AI Author Platform (BETA)
- 1 Practice Website
- Jaaxy Starter
- Limited Help & Support
- Core Niche Training (8 Classes)
And of course I will be there to help you every step of the way as well!
Look, in the interest of transparency, whilst Wealthy Affiliate does offer a free starter membership, this is designed to give you a look around, have a practice and see if it is worthwhile for you – which is a really great option.
However, as with all new businesses, you will need to make some investment so if you are serious about making money online , you will need to upgrade to a premium membership as this will give you access to all the tools you need in the one spot to succeed!
Afterall, every business needs tools to grow!
So How Much Does This Really Cost?
Wealthy Affiliate does not use upsells once you join – but as I mentioned in the video, to succeed here you will need to invest in a membership. There are a couple of options that provide access to all the tools, training and assistance that you could need – and a free domain as well.
Wealthy Affiliate offers a trio of membership tiers, as detailed on their pricing page.
You can opt for the Starter membership at no cost, the Premium membership for $49 per month or the Premium Plus+ membership for $99 per month. That’s the full extent of it – and you can absolutely build your website without having to spend another cent.
You won’t encounter any unexpected additional charges or covert fees and as a Premium member, you’re equipped with all the essentials to initiate, develop and expand a thriving online enterprise.
Those who opt for the Premium membership are provided with
- Hosting for their websites
- A complimentary domain name
- Access to hundreds of hours of current expert tutorials
- Various marketing and research tools
- Personal guidance from seasoned professionals in the field
- And much much more
And for those of you who want to make a serious investment into your future, there are some yearly options as well below to give you peace of mind that you have a whole year ahead of you to get stuff done!
And Don’t Forget the Personal Coaching
Once you join, not only do you get plenty of assistance from me, but you also have access to expert coaching, support and mentorship from real industry experts.
I mean, you can have access to all of the top-tier affiliate marketing training in the world, but inevitably, questions arise, particularly during the initial stages.
With an exceptionally dynamic and engaged community that boasts over 2.7 million members, Wealthy Affiliate offers an environment where you, as a member, can fully immerse and leverage this network.
You’re never alone; you have the collective wisdom of an entire community at your fingertips, ready to assist at any moment.
Plus, there’s always-on, rapid-response website support to handle any technical queries you may encounter.
Wealthy Affiliate Works: Real Results From Real People
As I have mentioned a number of times, Wealthy Affiliate has helped me make real money online though its training and tools.
I have made money each month as well as a sale for $17,000.
But again, those promoting other programs will tell you the same thing!
So let’s get away from me and see what others are saying:
To start with, Wealthy Affiliate has a 4.9 out of 5 Star TrustPilot rating, which is a remarkable accomplishment in any industry, let alone the online business industry.
And here are some of those reviews:
And this is what people are saying within Wealthy Affiliate as well:
So, Let’s Make a Decision!
Let’s be frank, you have read this far so why not go all in, click on the button below to get started on the way to your very online business.
And once you are in and have had a play around with the hub, look for the little envelope on the top right and there will be a message from me. It is of course automated so respond to let me know you are there and we can start this journey together.
(oh, and the profile is mine so you can find me that way as well)
See you there
Paul
