• Section: Money Guide - Category: Affiliate Programs
• Written by John Hartley

These days we all use credit cards, and many people have several. Because the credit card companies charge very high interest rates, and once a customer joins he or she remains a customer for a long time, credit card companies can make a lot of money per customer. So it follows that there are affiliate card credit marketing programs.

Credit cards are a very competitive business

In fact, these credit card companies are fighting hard to get new customers all the time, and so you can do well as an affiliate. Some offer substantial fees for each sign-up and others will pay for leads. Leads are people who agree to sign up for information.

You can make several hundred dollars per sign up with some credit card companies, whereas you will get a much smaller fee for leads. To make it worthwhile to get paid for each sign-up, you will need to get a lot of traffic in the right market niche. This is not necessarily the credit market niche, which is highly

competitive, but could be close to it, or a very small niche, like 'credit cards poor credit risk in Ottawa' for example.

Incidentally, most credit cards are marketed by banks, so they market only in their own countries, so you are probably better off marketing to a specific area, or several.

The advantage of getting paid per lead is that people are often happy to sign up for information even when they think they will not buy the product later.

In either case, you need to be warned that the credit card companies will pay a lot to advertise on the internet themselves, so Adwords ad prices will be very high. Also, the competition to get onto the first page of Google is very strong indeed, and the successful sites there will have spend thousands of dollars to get ranked, and used every trick in the book.

Look for a niche within the credit card business

OK then, so how do you go about marketing credit cards? One market would be wherever big ticket items like cars, motorcycles, furniture, audio/video products are marketed. You see what you want is to find people who want an extra credit card. There may be many reasons for this, but when they are looking to spend a few thousand dollars or more is a one reason.

Apart from those who juggle their debt among many cards, most have a tendency to use one card for most purchases, which means they get a big bill once a month. It is very attractive to have another card so they can arrange for that bill to be paid two weeks later, so the bills are spread out in the month.

Here then is a niche. People who want a second card and want to be able to select at what time of the month they pay the bill, and who live in certain areas. There are other niches, but you will find that the big credit card companies are out there selling in most of them. For this reason, you are probably better off sending leads to them than going for actual sales.

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