September 30, 2024
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It’s no secret that the financial industry is lucrative and responsible for creating many millionaires and billionaires. The financial sector provides thousands of products and services that millions use worldwide, including bank accounts, credit cards, and loans. This post reviews the best financial affiliate programs for beginners, bloggers, and social media marketers for various categories, including banking, credit, investment, trading, insurance, forex, and budgeting.
While some bloggers provide incomplete lists of around ten to fifteen programs, I’ll give you a robust selection of reputable merchants to maximize your marketing options and income prospects.
Best Financial Affiliate Programs
My list includes companies on trustworthy affiliate networks with efficient payment processing and earnings per click (EPC) data. Impact and FlexOffers have the best opportunities, while ShareASale and CJ Affiliate follow closely.
| Affiliate Network | Financial Programs |
| Impact | 257 programs |
| FlexOffers | 245 programs |
| CJ Affiliate | 123 programs |
| ShareASale | 57 programs |
| Rakuten Advertising | 38 programs |
Eightcap
Eightcap offers uncapped earning potential with over 1,000+ trading assets, including 300+ crypto derivatives, forex, stocks, and indices. They offer MT4, MT5, and TradingView, allowing clients to chart and trade more successfully. With dedicated partner account managers and rich client referral metrics, Eightcap has an industry-leading program.
Eightcap’s affiliate program offers the following incentives:
- Commission: Up to $6 per lot in IB rebates and revenue sharing
- Cookie duration: 30 days
- Payout threshold: $100
- Affiliate software: Cellxpert
Wise
Wise is an innovative financial services company that enables people to send, receive, hold, and spend internationally and locally at mid-market exchange rates and low fees. All costs are known upfront, and customers can get bank account details for multiple countries and currencies, including the United States, Canada, and the European Union.
Wise’s affiliate program is appealing for these reasons:
- Commission: Up to $50 per transfer
- Cookie duration: 365 days
- Payout threshold: $30
- Affiliate software: Partnerize
YNAB
You Need A Budget (YNAB) is award-winning personal finance software and a proven method for gaining total control of your money. Specifically, YNAB will help you organize your finances, eliminate debt, save cash, and reach your financial goals faster.
YNAB’s affiliate program offers the following compensation:
- Commission: $6 per lead
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact
Acorns
Acorns is a financial and investment app that helps people save, invest, and earn. It allows customers to automatically invest in low-cost, diversified ETF portfolios from Vanguard and BlackRock. Additionally, Acorn targets tech-savvy 20 and 30-somethings who are financially aware.
Acorns’s affiliate program offers the following compensation:
- Commission: Up to $50 per funded account
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: FlexOffers and Impact
Aflac
Aflac provides supplemental insurance to help pay out-of-pocket expenses your medical insurance doesn’t cover. It sells life, accident, dental, vision, critical, disability, hospital, and pet insurance for individuals, families, and business owners.
Aflac’s affiliate program offers the following:
- Commission: $16 per lead
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
Allianz Care
Allianz Care is one of the world’s leading international health insurance providers. Its personal and business products include healthcare plans, critical illness insurance, expat assistance, travel security services, and disability coverage.
Allianz Care’s affiliate program is profitable for these reasons:
- Commission: Up to €20 per lead
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
American Express Canada
American Express (AMEX) is a diversified worldwide travel and financial services company. It is a global leader in credit cards, travelers’ cheques, travel, financial planning, investment products, insurance, accounting, and international banking. American Express began in Canada in 1853, opening offices in Toronto and Hamilton. Today, it’s a leading provider of travel-related services in Canada.
The AMEX affiliate program is lucrative for these reasons:
- Commission: Up to $350 per credit card approval
- Cookie duration: 7 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
Barclays US
Barclays Online Savings is a high-yield savings account offered by Barclays Bank Delaware, a division of Barclays Bank PLC. It is available to US residents with a valid Social Security number or Individual Taxpayer Identification Number (ITIN). Barclays offers a high APY, no minimum balance, convenient access, and FDIC insurance.
Barclays’s affiliate program is lucrative for these reasons:
- Commission: Up to $250 per account approval
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
BMO Harris Bank
BMO Harris Bank has over 1,000 branches and over 6,000 ATMs in 19 U.S. states. It offers various financial services, including personal, commercial, investment, and wealth management. It is the U.S. subsidiary of the multinational investment bank and financial services company Bank of Montreal, which owns it through the holding company BMO Financial Corporation.
BMO Harris Bank’s affiliate program offers the following:
- Commission: Up to $225 per account approval
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
CoverWallet
CoverWallet offers business insurance to companies of all sizes and tailors coverage to each client’s specific requirements. Business owners can apply for general liability, workers’ compensation, commercial auto, medical malpractice, and more.
Affiliates get the following benefits from CoverWallet’s affiliate program:
- Commission: $30 per new user
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
CIT Bank
CIT Bank offers services for individuals, businesses, and commercial clients. Its bank and loan products include savings accounts, money market accounts, certificates of deposit, checking, and mortgages.
CIT Bank’s affiliate program offers the following incentives:
- Commission: $75 per new user
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: FlexOffers and CJ Affiliate
Credit Sesame
Credit Sesame helps consumers achieve financial wellness by allowing them to manage and grow their credit and cash in one place. In addition to being a comparison site, Credit Sesame offers free credit scoring, monitoring, reporting, and building products.
Affiliates get the following from Credit Sesame’s affiliate program:
- Commission: 100% per transaction
- Cookie duration: 30 days
- Payout threshold: $100
- Affiliate software: FlexOffers and Impact
Empower
Empower offers personal finance management and wealth-building tools. Their platform provides services like automated savings, budgeting, and investment management, focusing on helping users gain control over their finances. The app also includes spending tracking, personalized financial advice, and access to financial coaches.
Empower’s affiliate program offers the following:
- Commission: $100 per lead
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: FlexOffers and Impact
Join FlexOffers to Earn from Top-Rated Financial Merchants
Experian
Experian’s mission is to drive financial inclusion and help facilitate access to fair and affordable credit for consumers. It provides online consumer credit reports and scores, identity protection, credit cards and loans, assistance, and more.
Experian’s affiliate program is rewarding for these reasons:
- Commission: Up to $30 per sale
- Cookie duration: 10 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
Lemonade
Lemonade offers affordable insurance for renters, homeowners, and car and pet owners. It is powered by tech and driven by social good. Additionally, users can compare shops and switch to save money.
Lemonade’s affiliate program offers the following incentives:
- Commission: $15 to $20 per quote
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact
LegalShield
LegalShield provides affordable legal services through a subscription-based model. Members have access to a network of law firms that offer legal advice, document review, and representation in various legal matters, including estate planning, contract disputes, and traffic violations. The company supports individuals, families, and small businesses.
LegalShield’s affiliate program has the following structure:
- Commission: 30% per sale
- Cookie duration: 15 days
- Payout threshold: $10
- Affiliate network: Impact and FlexOffers
IDShield also has an affiliate program.
LendingTree
LendingTree is an online loan marketplace with an expansive network of lenders. It allows consumers to connect with multiple loan companies for several financial needs, including personal loans, home purchases, insurance, student debts, refinancing, debt consolidation, and more.
LendingTree’s affiliate program is lucrative for these reasons:
- Commission: $25 per lead
- Cookie duration: 14 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
Monarch Money
Monarch Money is a personal finance app that helps users manage their finances, track expenses, and plan for the future. It offers budgeting tools, net worth tracking, and financial goal setting. The platform integrates with multiple financial accounts, giving users a comprehensive view of their financial health in one place.
Monarch Money’s affiliate program offers the following incentives:
- Commission: $2 per trial and $10 per subscription
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact
Start Your Online Business With Systeme
MyFICO
MyFICO, the official consumer division of FICO, invented the FICO credit score. It offers financial tips, credit scores, and reports from the top three bureaus, including Experian, TransUnion, and Equifax.
Marketers get the following from MyFICO’s affiliate program:
- Commission: $5 to $25 per lead or sale
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: FlexOffers and Awin
Novo
Novo is a business banking platform for small businesses, freelancers, and entrepreneurs. It offers fee-free banking features like mobile deposits, free ACH transfers, and integrations with popular business tools like QuickBooks and Shopify. Novo focuses on providing a streamlined, user-friendly banking experience to help small businesses manage their finances more efficiently.
Affiliates get the following from Novo’s affiliate program:
- Commission: $25 per application approval
- Cookie duration: 120 days
- Payout threshold: $10
- Affiliate network: Impact
Remitly
Remitly allows users to send money internationally quickly and securely. The platform offers multiple payout options, including bank deposits, cash pickups, and mobile wallets, with competitive exchange rates and low fees. Remitly is popular among immigrants and expats who must send remittances to family and friends in other countries.
Remitly’s affiliate program is rewarding for these reasons:
- Commission: $10 for the first transfer
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact
More great reads:
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TransUnion
TransUnion provides credit reports, scores, analyses, and unbiased content to improve people’s lives. Its premium and free products include credit monitoring and protection, score simulators, fraud alerts, dispute resolution, and identity protection.
TransUnion’s affiliate program has the following benefits:
- Commission: Up to $60 per sale
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact
TrustandWill.com
TrustandWill.com simplifies creating estate planning documents, such as wills, trusts, and guardianship forms. The service offers step-by-step guidance to help individuals protect their assets and fulfill their wishes. Trust & Will aims to make estate planning accessible and affordable for everyone.
TrustandWill’s affiliate program has the following benefits:
- Commission: 10% per sale
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact and Sovrn
USAA
Since 1922, USAA has served the military community and their families. USAA offers insurance, banking, investment, retirement, and real estate products and services. Also, it offers rewards, cashback, and low-rate cards.
USAA’s affiliate program is appealing for these reasons:
- Commission: Up to $36 per account approval
- Cookie duration: 30 days
- Payout threshold: $50
- Affiliate network: CJ Affiliate
Apply to ShareASale for the Best Financial Affiliate Programs
Wealthfront
Wealthfront is the only automated financial advisor that offers a combination of financial planning, investment management, and banking-related services exclusively through software. It manages over $10 billion for individuals and businesses.
Wealthfront’s affiliate program is rewarding for these reasons:
- Commission: $55 for investment accounts
- Cookie duration: 30 days
- Payout threshold: $10
- Affiliate network: Impact
Wealthsimple
Wealthsimple combines investing, commission-free trading, money transfers, cryptos, and other financial products/services in one app. Customers can also automate their investment activities and speak to portfolio managers anytime.
Wealthsimple’s affiliate program has the following benefits:
- Commission: Up to $50 per funded account
- Cookie duration: 45 days
- Payout threshold: $10
- Affiliate network: Impact and Sovrn
How to Promote Financial Merchants
Here are ways to promote financial companies across different funnel stages: ToFu, MoFu, and BoFu.
🏦 Top of the Funnel (Awareness)
Blog Posts and Guides: Write general content like “Top 5 Budgeting Tools” or “How to Start Saving for Retirement,” incorporating affiliate links to financial programs.
Social Media Content: Share quick tips on platforms like Instagram, TikTok, and YouTube, e.g., “5 Easy Ways to Save Money Each Day,” with a CTA to financial tools or services.
SEO Strategy: To capture organic search traffic, target broad keywords like “best financial planning tools” or “how to manage finances.”
🏧 Middle of the Funnel (Consideration)
Email Marketing: Build a segmented list of people interested in financial management. Send them detailed comparisons of financial tools or personal finance tips.
Webinars/Podcasts: Host a session on personal finance topics like “How to Get Out of Debt” or “Investing 101,” integrating promotions for relevant financial services.
Comparison Articles: Write posts like “Best Online Brokers for New Investors” or “Vanguard Vs. BlackRock ETFs: Which Is Better for You?” to steer users to a specific product or service.
💳 Bottom of the Funnel (Conversion)
Discount Pages and Coupons: Offer exclusive deals or sign-up bonuses for financial products like banking services, investment platforms, or budgeting apps.
Success Stories and Case Studies: Share customer stories of how a particular financial service helped them improve their savings, debt, or investments. That builds credibility and boosts conversions.
Start Earning
Can you make money with financial affiliate programs? Yes, you can. Many financial companies offer high-paying affiliate programs for leads, new customers, and sales. Also, the financial niche is among the most profitable affiliate marketing categories alongside e-commerce and digital marketing apps. For instance, a commission rate of over $100 is commonplace. Many financial services are available to promote, from banks to investments and money transfers to insurance. But, of course, it will also help if you market those products you like and use. For instance, I promote Wise on my tools and resources page.
Financial tech companies (fintechs) have made the landscape more exciting and competitive. These companies leverage the internet and technology to create innovative, cost-saving solutions. As a result, millions of people gravitate to fintechs from legacy banks and financial companies. For example, Acorns and Remitly have attracted millions of customers. They, and many other fintechs, have affiliate programs.
You can also promote financial literacy through courses and books. Online education is a multibillion-dollar industry, with many e-learning companies offering courses in financial planning, budgeting, saving, investing, etc. Many companies have rewarding affiliate programs, such as Coursera and Skillshare. If you want to recommend books, Amazon has an affiliate program.
Since financial products impact almost everyone’s lives, you don’t need to be a financial expert or limit your content. For instance, a travel blogger can write about travel credit cards, whereas a YouTuber might discuss the products she uses to save money. Thus, promoting financial services and products is as relevant as you want them for your readers and viewers.
Affiliate marketing disclosures and transparency are especially critical in the financial industry. As a result, the Securities and Exchange Commission (SEC) and the Federal Trade Commission (FTC) pay close attention to advertisers and affiliates. Additionally, the FTC has a guide for best practices and recommendations. For instance, affiliates should include #Ad, #EarnedCommission, or #SponsoredPost when posting affiliate links on social media sites.
