8 Best Credit Card Affiliate Programs 

8 Best Credit Card Affiliate Programs 

The reality is, most adults have at least one credit card to their name. In fact, according to CreditCards.com, there were over 374 million open credit card accounts in the U.S for 2019.

Keep in mind, there are 328 million people in the United States, so that means there are more open credit card accounts than there are people.

Needless to say, this is a thriving market.

And as an affiliate marketer, you can take advantage of these numbers. There are several credit card affiliate programs that you can join to bring in a passive income.

Now, you know how much I value a good niche, so it’s imperative that you’re in the financial niche for these affiliate programs to work for you.

All that being said, let’s go over some important points before talking about these affiliate programs.

What makes a good credit card affiliate program? 

When it comes to choosing a credit card affiliate program that’s right for you, there are a few important things to consider. 

The affiliate credit card programs that you choose to have everything to do with your potential success as an affiliate marketer. 

So, here are a few things to think about as you start choosing credit card affiliate programs:

  • High paying commissions: The first step that any affiliate marketer should make is to form a payout strategy. It’s important to choose credit card companies that offer a decent commission to its affiliates if you really want to make a passive income. Most credit card affiliate companies offer a flat rate per sign-up, but a few will give you a high percentage of the sale. 
  • The offers benefit your target audience: If you’ve done your homework, nobody should know your audience better than you. You should have a pretty solid idea of the type of offers your audience demographics are going to be drawn too. When it comes to credit card affiliate programs, each offer comes with specific benefits, so choose wisely.
  • It solves a problem for the customer: At the end of the day, people use credit cards for very specific reasons. One of the most common reasons is to help raise a credit score. Make sure to choose a credit card affiliate program that addresses common issues and concerns that go along with using a credit card. 
  • It gives your audience rewards and special perks: Lastly, the more perks you can offer to your audience the better. The best credit card affiliate programs have robust rewards features that you can use to better entice your readers. 

Affiliate Support to Increase Conversions (Tips)

 Understand your target audience: I know I’ve mentioned this before, but it’s an incredibly important tip to remember. The only real way to boost your conversions is to understand who it is you’re selling to.

That means doing the proper research to find out which demographics are interacting the most with your content.

If you can do this, it’s a million times easier to choose the appropriate offers, gain leads, and make conversions. Which leads me to the next tip. 

Stick to relevant credit card offers: If you want to make conversions, you have to promote products that speak to your audience.

For example, let’s say your audience is primarily made up of millennials in urban areas. With some research, you might find that this demographic is highly interested in travel.

You can use that information to choose credit card affiliate programs that award travel points.

Now, that’s just one example but you can do this with any demographic to increase your conversions. 

3. Create a user-friendly website: This is something that often goes overlooked when we talk about conversions.

The truth is, having a pleasant user experience on your website can make or break your success.

If you have a ton of ads, pop-ups, or slow loading times, you might lose more potential leads than you gain. 

 

Best Credit Card Affiliate Programs:

American Express Canada

The American Express affiliate program partners with businesses who are interested in referring American Express to other companies. 

In other words, this program is really best for those of you who already own a business and have established relationships with other companies. 

When you refer a company to American Express, they’ll receive top-quality finance and expense management. 

American Express offers an extremely high payout to its affiliate partners. 

This affiliate program uses a tiered commission system, so you can increase your payout when you make a sale to a customer with a high annual charge volume. 

The lowest tier pays affiliates $300 per sale and it ranges all the way up to $15,000 per sale. 

Keep in mind, in order to make it to the upper tier, your referral has to have some serious spending power. 

Still, $300 as a starting commission is not bad. 

Commission: Starting at $300 per sale

Cookies: N/A

Visit the program: American Express Affiliates

 

Indigo Platinum Credit Card

Indigo Platinum Credit CardThe Indigo Platinum Credit Card is an option from MasterCard. This credit card may be one of the most accessible options on this list. That’s because you don’t need to put down a deposit to qualify.

So, if your audience is struggling to build credit, and isn’t able to put down a deposit, this is one of the best credit card offers for them.

The other major benefit of choosing this as one of your credit card affiliate programs is MasterCard’s fraud protection. 

In general, MasterCard offers great protection against fraud, and customers are not held responsible for any fraudulent charges.

This particular credit card is going to be great for a younger crowd who has yet to build credit and doesn’t have the money for a deposit.

If that sounds like your target audience, I would encourage you to check out this credit cards affiliate program.

Affiliates with the Indigo Platinum Credit Card program earn up to $30 per sign up.

Commission: $30 per sign up

Cookies: 30-days

Visit the program: Indigo Platinum Credit Card affiliate

 

Bankrate Credit Card

Bankrate Credit CardBankrate is an all-encompassing website that helps users find the appropriate loan or credit card for their needs.

If a customer is looking for specific credit card offers, this site can help match them with several great options.

Each Bankrate credit card is categorized according to offer so you can find credit cards with 0% interest, no annual fees, travel rewards, and student benefits depending on what you’re looking for.

Bankrate has a robust affiliate program for credit card related websites. If you’re looking for an affiliate program that allows you to promote multiple credit cards and credit card offers, this is a smart choice.

As a credit card affiliate for Bankrate, you’ll have access to a helpful selection of promotional materials and technology solutions to help you promote the credit card offers.

Now, one thing to keep in mind here is that the commission rate is going to vary quite a bit for every Bankrate credit card. 

Unlike working directly with a credit card company, Bankrate is more like a collection of affiliate programs for credit cards.

You can expect commission rates to be anywhere from $30-$200 per sign up.

Commission: $20-$300 per sign up

Cookies: Varies depending on the credit card.

Visit the program: Bankrate Credit Cards affiliate program

 

Experian

ExperianI’m sure you’ve heard of Experian before. This highly-regarded company has been providing financial guidance for well over two decades.

Experian is actually based in Dublin, Ireland, and operates in 37 countries including the United States. 

As a credit card affiliate marketer, this opens up your target market to a worldwide audience.

Now, unlike some of the other options on this list, Experian doesn’t offer a traditional credit card affiliate program.

This company provides free credit scores and helps its customers find loans and credit cards that meet their needs. On top of that, Experian also offers robust identity theft and fraud support.

In this sense, Experian has a bit more to offer than a standard credit card company.

In terms of affiliate marketing, this is one of the best options out there.

As I mentioned, you have the ability to market to a global audience. But you can also promote a wide variety of services and credit cards to that audience.

Experian will look at the FICO score and offer its customers a selection of cards that are best matched for their goals. This service makes it pretty easy to promote to a varied audience.

I recommend this credit card affiliate program to just about anyone who is seeking a dynamic option to add to their affiliate portfolio. 

Affiliate marketers for this program get up to 20% of all sales.

Commission: 20% of each sale

Cookies: N/A

Visit the program: Experian Affiliate Program

 

USAA

USAA provides a niche option for those of you with a very specific audience. USAA is a financial service that was created specifically for military members and their loved ones.

They’ve been in the business for nearly 100 years, giving them an unmatched level of credibility in the field.

Now, obviously, this option really only works for those of you with the appropriate target audience. Ideally, your readers are veterans or active military members.

USAA provides this population with financial guidance that is unique to their lifestyles and experiences.

USAA offers a pretty wide range of services including auto and home insurance, checking accounts, and credit cards.

Credit cards from USAA come from VISA and American Express. Benefits include no annual fees, points on military base purchases, travel rewards, and gift cards.

As a credit card affiliate, you can earn $20 per credit card sign up. If you happen to be in the military niche, this is one of the best credit card affiliate programs for you.

Commission: $20 per sign up

Cookies: 30-days

Visit the program: USAA Affiliates

 

Credit Karma

Credit KarmaCredit Karma is not a bank or a credit card company. Rather, this company gives people the resources to find a good credit card match, various loans, as well as a free credit score. 

Credit Karma has partnered with several well-known credit card companies and will guide you in finding the right card. 

Now, as for the affiliate program, there are a lot of benefits here. 

Because Credit Karma offers so much, you can easily promote this company to your target audience. 

Not only does Credit Karma offer free credit scores and credit cards, but they also offer extensive financial guidance to its customers.

As part of the affiliate program, anyone who uses your affiliate link and signs up for the free services within 30-days will count towards your commission. 

Affiliates are paid $2 for every signup. Now, I know this sounds like a really low number, but remember, you’re promoting a free service. 

The fact that its free means it’s very easy to make a conversion. If you build up to 25 sign ups a week, that’s an extra $100 in your pocket each month. 

Sure, it’s not a huge number, but it’s a nice easy way to pad your passive income. 

Commission rate: $2 per sign up

Cookies: 30-days

Visit the program: Credit Karma Affiliates

 

OpenSky Bank

OpenSky BankOpenSky is a credit card offered by Capital Bank. I included this option on the list because I think it’s a great card for most audiences. 

The reason for that is because this card doesn’t require the user to have an existing credit history. 

Instead of basing your credit limit on your credit history, OpenSky allows customers to pick a credit limit that they are comfortable with. 

Then, the customer makes a refundable deposit into the account. This amount of this deposit will be the credit card limit. 

This system opens up credit cards for people who are just starting to build their credit history or trying to repair their credit history. 

Affiliates can earn $25 for every sign-up and cookies last for 30-days. 

If your audience consists of first-time credit card users, college students, or people interested in improving their credit with small purchases, this is a good option for you. 

Commission: $25 per sign-up

Cookies: 30-days

Visit the program: OpenSky Affiliates

 

First Progress Platinum MasterCard

First Progress Platinum MasterCardWhen it comes to finding an affiliate program, credit card companies often have special card offers that can attract your audience. First Progress Platinum MasterCard is one of those programs. 

This particular credit card has several benefits such as the ability to apply quickly and easily online. The biggest draw to this credit card is that it doesn’t require a previous credit history to be approved.

Lack of credit history is often one of the biggest obstacles that people face when they’re trying to grow their credit score, so this may have a huge appeal to your target audience.

With the First Progress Platinum credit card, customers simply put down a deposit between $200-$2000 to set their credit limit.

The credit card comes with a full set of features and is a great way to build a high credit score.

In terms of the affiliate program, there is an opportunity to make a decent paycheck here. 

Affiliates get up to $40 for each person who signs up using your affiliate link.

Commission: $40 per sign up

Cookies: 30-days

Visit the program: First Progress Affiliates

 

Final Thoughts

As with anything having to do with finance, the credit card niche is competitive.

That doesn’t mean you shouldn’t pursue it.

There is real potential to make money if you do it right. If you really want to be successful as an affiliate marketer, you need to understand the in’s and out’s of the job.

If you’re still struggling to craft a solid affiliate marketing plan, check out my simple guide to affiliate marketing to kickstart your journey.  

Frequently Asked Questions (FAQ)

1.  How much do credit card affiliates make?

Credit card affiliates can make anywhere between $20-$300 per sale or sign-up. The average credit card affiliate marketer earns $25-35 per sign-up.

2. How do I become a credit card affiliate?

To become a credit card affiliate, you need to apply to relevant programs that suit your audience demographic.

3.  What are the highest paying affiliate programs?

American Express and Experian both offer high payouts to their affiliate marketers. For the best results, choose companies that offer a large payout per sign-up or a large percentage of each sale.

4. Does Capital One have an affiliate program?

Capital One does not currently have an affiliate program, but you can promote its services through programs like Bankrate Credit Cards.

The reality is, most adults have at least one credit card to their name. In fact, according to CreditCards.com, there were over 374 million open credit card accounts in the U.S for 2019.

Keep in mind, there are 328 million people in the United States, so that means there are more open credit card accounts than there are people.

Needless to say, this is a thriving market.

And as an affiliate marketer, you can take advantage of these numbers. There are several credit card affiliate programs that you can join to bring in a passive income.

Now, you know how much I value a good niche, so it’s imperative that you’re in the financial niche for these affiliate programs to work for you.

All that being said, let’s go over some important points before talking about these affiliate programs.

What makes a good credit card affiliate program? 

When it comes to choosing a credit card affiliate program that’s right for you, there are a few important things to consider. 

The affiliate credit card programs that you choose to have everything to do with your potential success as an affiliate marketer. 

So, here are a few things to think about as you start choosing credit card affiliate programs:

  • High paying commissions: The first step that any affiliate marketer should make is to form a payout strategy. It’s important to choose credit card companies that offer a decent commission to its affiliates if you really want to make a passive income. Most credit card affiliate companies offer a flat rate per sign-up, but a few will give you a high percentage of the sale. 
  • The offers benefit your target audience: If you’ve done your homework, nobody should know your audience better than you. You should have a pretty solid idea of the type of offers your audience demographics are going to be drawn too. When it comes to credit card affiliate programs, each offer comes with specific benefits, so choose wisely.
  • It solves a problem for the customer: At the end of the day, people use credit cards for very specific reasons. One of the most common reasons is to help raise a credit score. Make sure to choose a credit card affiliate program that addresses common issues and concerns that go along with using a credit card. 
  • It gives your audience rewards and special perks: Lastly, the more perks you can offer to your audience the better. The best credit card affiliate programs have robust rewards features that you can use to better entice your readers. 

Affiliate Support to Increase Conversions (Tips)

 Understand your target audience: I know I’ve mentioned this before, but it’s an incredibly important tip to remember. The only real way to boost your conversions is to understand who it is you’re selling to.

That means doing the proper research to find out which demographics are interacting the most with your content.

If you can do this, it’s a million times easier to choose the appropriate offers, gain leads, and make conversions. Which leads me to the next tip. 

Stick to relevant credit card offers: If you want to make conversions, you have to promote products that speak to your audience.

For example, let’s say your audience is primarily made up of millennials in urban areas. With some research, you might find that this demographic is highly interested in travel.

You can use that information to choose credit card affiliate programs that award travel points.

Now, that’s just one example but you can do this with any demographic to increase your conversions. 

3. Create a user-friendly website: This is something that often goes overlooked when we talk about conversions.

The truth is, having a pleasant user experience on your website can make or break your success.

If you have a ton of ads, pop-ups, or slow loading times, you might lose more potential leads than you gain. 

 

Best Credit Card Affiliate Programs:

American Express Canada

The American Express affiliate program partners with businesses who are interested in referring American Express to other companies. 

In other words, this program is really best for those of you who already own a business and have established relationships with other companies. 

When you refer a company to American Express, they’ll receive top-quality finance and expense management. 

American Express offers an extremely high payout to its affiliate partners. 

This affiliate program uses a tiered commission system, so you can increase your payout when you make a sale to a customer with a high annual charge volume. 

The lowest tier pays affiliates $300 per sale and it ranges all the way up to $15,000 per sale. 

Keep in mind, in order to make it to the upper tier, your referral has to have some serious spending power. 

Still, $300 as a starting commission is not bad. 

Commission: Starting at $300 per sale

Cookies: N/A

Visit the program: American Express Affiliates

 

Indigo Platinum Credit Card

Indigo Platinum Credit CardThe Indigo Platinum Credit Card is an option from MasterCard. This credit card may be one of the most accessible options on this list. That’s because you don’t need to put down a deposit to qualify.

So, if your audience is struggling to build credit, and isn’t able to put down a deposit, this is one of the best credit card offers for them.

The other major benefit of choosing this as one of your credit card affiliate programs is MasterCard’s fraud protection. 

In general, MasterCard offers great protection against fraud, and customers are not held responsible for any fraudulent charges.

This particular credit card is going to be great for a younger crowd who has yet to build credit and doesn’t have the money for a deposit.

If that sounds like your target audience, I would encourage you to check out this credit cards affiliate program.

Affiliates with the Indigo Platinum Credit Card program earn up to $30 per sign up.

Commission: $30 per sign up

Cookies: 30-days

Visit the program: Indigo Platinum Credit Card affiliate

 

Bankrate Credit Card

Bankrate Credit CardBankrate is an all-encompassing website that helps users find the appropriate loan or credit card for their needs.

If a customer is looking for specific credit card offers, this site can help match them with several great options.

Each Bankrate credit card is categorized according to offer so you can find credit cards with 0% interest, no annual fees, travel rewards, and student benefits depending on what you’re looking for.

Bankrate has a robust affiliate program for credit card related websites. If you’re looking for an affiliate program that allows you to promote multiple credit cards and credit card offers, this is a smart choice.

As a credit card affiliate for Bankrate, you’ll have access to a helpful selection of promotional materials and technology solutions to help you promote the credit card offers.

Now, one thing to keep in mind here is that the commission rate is going to vary quite a bit for every Bankrate credit card. 

Unlike working directly with a credit card company, Bankrate is more like a collection of affiliate programs for credit cards.

You can expect commission rates to be anywhere from $30-$200 per sign up.

Commission: $20-$300 per sign up

Cookies: Varies depending on the credit card.

Visit the program: Bankrate Credit Cards affiliate program

 

Experian

ExperianI’m sure you’ve heard of Experian before. This highly-regarded company has been providing financial guidance for well over two decades.

Experian is actually based in Dublin, Ireland, and operates in 37 countries including the United States. 

As a credit card affiliate marketer, this opens up your target market to a worldwide audience.

Now, unlike some of the other options on this list, Experian doesn’t offer a traditional credit card affiliate program.

This company provides free credit scores and helps its customers find loans and credit cards that meet their needs. On top of that, Experian also offers robust identity theft and fraud support.

In this sense, Experian has a bit more to offer than a standard credit card company.

In terms of affiliate marketing, this is one of the best options out there.

As I mentioned, you have the ability to market to a global audience. But you can also promote a wide variety of services and credit cards to that audience.

Experian will look at the FICO score and offer its customers a selection of cards that are best matched for their goals. This service makes it pretty easy to promote to a varied audience.

I recommend this credit card affiliate program to just about anyone who is seeking a dynamic option to add to their affiliate portfolio. 

Affiliate marketers for this program get up to 20% of all sales.

Commission: 20% of each sale

Cookies: N/A

Visit the program: Experian Affiliate Program

 

USAA

USAA provides a niche option for those of you with a very specific audience. USAA is a financial service that was created specifically for military members and their loved ones.

They’ve been in the business for nearly 100 years, giving them an unmatched level of credibility in the field.

Now, obviously, this option really only works for those of you with the appropriate target audience. Ideally, your readers are veterans or active military members.

USAA provides this population with financial guidance that is unique to their lifestyles and experiences.

USAA offers a pretty wide range of services including auto and home insurance, checking accounts, and credit cards.

Credit cards from USAA come from VISA and American Express. Benefits include no annual fees, points on military base purchases, travel rewards, and gift cards.

As a credit card affiliate, you can earn $20 per credit card sign up. If you happen to be in the military niche, this is one of the best credit card affiliate programs for you.

Commission: $20 per sign up

Cookies: 30-days

Visit the program: USAA Affiliates

 

Credit Karma

Credit KarmaCredit Karma is not a bank or a credit card company. Rather, this company gives people the resources to find a good credit card match, various loans, as well as a free credit score. 

Credit Karma has partnered with several well-known credit card companies and will guide you in finding the right card. 

Now, as for the affiliate program, there are a lot of benefits here. 

Because Credit Karma offers so much, you can easily promote this company to your target audience. 

Not only does Credit Karma offer free credit scores and credit cards, but they also offer extensive financial guidance to its customers.

As part of the affiliate program, anyone who uses your affiliate link and signs up for the free services within 30-days will count towards your commission. 

Affiliates are paid $2 for every signup. Now, I know this sounds like a really low number, but remember, you’re promoting a free service. 

The fact that its free means it’s very easy to make a conversion. If you build up to 25 sign ups a week, that’s an extra $100 in your pocket each month. 

Sure, it’s not a huge number, but it’s a nice easy way to pad your passive income. 

Commission rate: $2 per sign up

Cookies: 30-days

Visit the program: Credit Karma Affiliates

 

OpenSky Bank

OpenSky BankOpenSky is a credit card offered by Capital Bank. I included this option on the list because I think it’s a great card for most audiences. 

The reason for that is because this card doesn’t require the user to have an existing credit history. 

Instead of basing your credit limit on your credit history, OpenSky allows customers to pick a credit limit that they are comfortable with. 

Then, the customer makes a refundable deposit into the account. This amount of this deposit will be the credit card limit. 

This system opens up credit cards for people who are just starting to build their credit history or trying to repair their credit history. 

Affiliates can earn $25 for every sign-up and cookies last for 30-days. 

If your audience consists of first-time credit card users, college students, or people interested in improving their credit with small purchases, this is a good option for you. 

Commission: $25 per sign-up

Cookies: 30-days

Visit the program: OpenSky Affiliates

 

First Progress Platinum MasterCard

First Progress Platinum MasterCardWhen it comes to finding an affiliate program, credit card companies often have special card offers that can attract your audience. First Progress Platinum MasterCard is one of those programs. 

This particular credit card has several benefits such as the ability to apply quickly and easily online. The biggest draw to this credit card is that it doesn’t require a previous credit history to be approved.

Lack of credit history is often one of the biggest obstacles that people face when they’re trying to grow their credit score, so this may have a huge appeal to your target audience.

With the First Progress Platinum credit card, customers simply put down a deposit between $200-$2000 to set their credit limit.

The credit card comes with a full set of features and is a great way to build a high credit score.

In terms of the affiliate program, there is an opportunity to make a decent paycheck here. 

Affiliates get up to $40 for each person who signs up using your affiliate link.

Commission: $40 per sign up

Cookies: 30-days

Visit the program: First Progress Affiliates

 

Final Thoughts

As with anything having to do with finance, the credit card niche is competitive.

That doesn’t mean you shouldn’t pursue it.

There is real potential to make money if you do it right. If you really want to be successful as an affiliate marketer, you need to understand the in’s and out’s of the job.

If you’re still struggling to craft a solid affiliate marketing plan, check out my simple guide to affiliate marketing to kickstart your journey.  

Frequently Asked Questions (FAQ)

1.  How much do credit card affiliates make?

Credit card affiliates can make anywhere between $20-$300 per sale or sign-up. The average credit card affiliate marketer earns $25-35 per sign-up.

2. How do I become a credit card affiliate?

To become a credit card affiliate, you need to apply to relevant programs that suit your audience demographic.

3.  What are the highest paying affiliate programs?

American Express and Experian both offer high payouts to their affiliate marketers. For the best results, choose companies that offer a large payout per sign-up or a large percentage of each sale.

4. Does Capital One have an affiliate program?

Capital One does not currently have an affiliate program, but you can promote its services through programs like Bankrate Credit Cards.

How to Protect Your Business from eCommerce Credit Card Fraud

How to Protect Your Business from eCommerce Credit Card Fraud

Ecommerce is growing at an alarming rate. While there is nothing new to the concept of names like Amazon.com and Jet.com wiping out retail locations around the world and killing ‘mom and pop’ businesses, it should be noted that it’s not all bad for businesses owners. Instead of succumbing to the big name giants that dominated the world of ecommerce today, it’s actually become quite the level playing field and opportunity for anyone looking to create an online business of their own — especially with ecommerce and through the power of dropshipping.

However, there are many things an entrepreneur or marketer might need to consider when starting up their first online store. It’s not just about choosing the right products and knowing how to target to your audience, it’s also about using the right platform and always being sure your customer data is safe. Just as important, is making sure you know how to handle online payments and make sure credit card fraud isn’t a disaster lurking around the corner.

Just like most of us are already aware of how affiliate networks can get wiped out if one big advertiser doesn’t make a payment or goes belly up on payments owed, the same can be said of a credit disaster for an online store. It’s sad to say, but one good run of chargebacks against your ecommerce store could put you out of business. This is why preventing e-commerce credit card fraud is of paramount importance.

Adhering to the policies below will help you protect your business.

1. Maintain PCI Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is designed to ensure the safest possible environment for credit card data. The standard includes precautions such as changing factory default passwords on all network equipment and establishing a firewall between your Internet connection and any system that stores credit card numbers.

2. Implement Transaction Velocity Limits

Yes, this means you’ll be limiting your customers to a set dollar amount in purchases each day. (What merchant in their right mind would want to do that—right?) On the other hand, you’ll also minimize the potential take, should a fraudulent transaction make it past your safeguards. (What merchant in their right mind wouldn’t want to do that—right?)

3. Require Two-Factor Authentication

In most cases, when a thief gets a customer’s credit card information, they do not have the Card Verification Value (CVV) data. This three- or four-digit number, printed on the back of credit cards, is a secondary authentication method to prove a customer has the card in their possession. The PCI DSS prohibits storing this information alongside the credit card number and cardholder’s name. In fact, best practices recommend not storing it at all, but rather asking the customer to provide it with each transaction.

4. Monitor Transactions and Reconcile Them Every Day

The fastest way to spot fraud is to know what a typical day’s transactions look like. Reconciling your accounts on a daily basis trains you to spot anomalies. The sooner you notice something is amiss and take steps to do something about it, the better chance you have of apprehending the culprit. You’re looking for red flags such as mismatched billing and shipping information. Pay attention to the physical location of customers to ensure it matches the information provided too. Some online store hosting can help you in this regard by tracking orders automatically.

5. Use Tracking Numbers on All Shipments

You will occasionally run into less than scrupulous customers who will try to claim a chargeback on the grounds their products were never delivered. Tracking all packages and requiring signature confirmation on orders above a certain dollar amount will thwart these perpetrators.

6. Keep Software and Platforms up to Date

Make it a point to install software updates as soon as they become available. In most cases, they’re issued in response to an incident, or the discovery of a potential threat. Similarly, always keep your anti-malware and anti-spyware up to date. Given the nature of what you’re up against, only business-grade products will do for these tasks. The consumer stuff isn’t robust enough to adequately protect financial data.

7. Force Customers to Use Strong Passwords

Set requirements including numbers, letters (both lower- and upper-case), and special symbols for repeat customers who want to establish accounts. Do not permit the inclusion of any of their generally available information as part of the password.

8. Instill Employee Security Consciousnesses

Employee passwords should be just as strict (if not more so) as customers’ login information. Train them to spot potential fraud and empower them to stop a transaction if something feels amiss. Do everything possible to help them understand how fraud can cost them their livelihoods and how important their vigilance is for the health of the business.

9. Maintain a Gallery of Rogue Attacks

Keep a file of all attempted (and successful) breaches. Use these incidents as teachable moments, so your people can avoid falling victim to the same scam twice.

Preventing e-commerce credit card fraud is essential to protecting your business. There will always be people out there willing to work harder to steal than they would at a regular job. These tips will help you force them to move on to easier pickings.

It’s Not Just About Protecting Your Customers… It’s Also Your Business

As you can see, there are plenty of ways to put precautions in place to make sure your customers and eCommerce transactions are safe, but at the end of the day, you also need to remember this is your business and its reputation is on the line. The last thing you want is to lose the trust of your customers, and let word start to spread online about possible attacks or customer loss of data. These can be some of the most detrimental issues when trying to grow an eCommerce site on the internet today.

One of the best ways to get around many of these issues is to simply go with a trusted eCommerce platform that already has a payment platform, third-party security and customer management already in place.

What You Need to Know About No Credit Check Cash Loans

What You Need to Know About No Credit Check Cash Loans

Of the 220 million scorable folks in the U.S., 68 million have credit scores lower than 601. What’s more, a single point lower than 601 (as in 600) already classifies as a subprime score. According to the VantageScore scoring model, “subprime” scores range from 500 to 600.

There’s also the “deep subprime”, scores from 300 to 499. 21.2% of all scorable individuals fall under this category.

With all of this information at hand, it’s a marketers dream come true! This is definitely the case for any affiliate marketers or finance sites looking to push credit repair offers to their audience.

In addition to worrying about finances on a daily basis, individuals with poor or bad credit, are likely having difficulties securing a loan. After all, that’s one of the major consequences of having a credit score lower than 601.

The good news is that there are now more resources than ever before to help those in need of credit repair, or at least finding such information on how to do so. There are also many other alternatives out there for securing personal and business loans as well — without having to go into a local bank and pleading your case.

I’ve personally been a big fan of sites and programs like Paypal Working Capital or Kabbage, as they allow you to instantly get access to cash within minutes. This is the ideal scenario for any business owners or affiliates/bloggers that use online payments to pay for advertising or accepting online payments.

However, as we first started this article off… the majority of people in the country right now don’t have a business of their own, nor do they have a high enough credit score to get approved for most loans.

To help with this process, and to provide as a valuable resource for those already searching around for how to get their hands on money when they are in need — today we will be talking about no credit check cash loans.

While the concept of getting a loan without a credit check sounds amazing… it does come with its associated costs. No credit check loans are one of the few types of loans that even people with less-than-fair credit scores can still qualify for.

How exactly does it work though? What makes it a good option for you?

This post will cover all these and more. I also threw in a few bonus loan application tips, and credit cards that I like to use for running my own business, so keep reading!

The Lowdown on No Credit Check Cash Loans

No credit check loans are what exactly the name suggests. They’re loans that don’t have the need for credit checks.

How so?

It’s because lenders base their decision on a borrower’s repayment ability. In fact, that’s one of the few, if not the only qualifying factor they consider.

In other words, you don’t have to have a good or fair credit to secure one of these loans. You can have a subprime credit and still qualify for that loan you need.

Keep in mind that traditional loans always require formal credit checks. These loans are those that you can get from banks and credit unions. Formal credit checks are the hard checks lenders conduct to determine your creditworthiness.

In essence, these checks tell lenders you have a less-than-stellar credit score. As such, when they find out about your bad or poor score, they’re likely to reject your loan application.

As if that’s not enough, numerous hard checks on your credit can bring your score even lower. So, the more you apply for these conventional loans, the more at risk your credit score becomes.

The Same Day Loan Advantage

Let’s say a bank will still consider approving your application even with your bad credit score.

Granted, it may be not as long as the 30- to 60-day processing of mortgage loans. But the fact remains that it still takes weeks. What’s more, you’re not 100% sure that you’ll get the loan at all.

The good news is, you’ll find same day loan no credit check financing. These loans can help you get out of a financial pinch, such as if you’re facing an emergency expense.

For example, you (or someone in your household) get into an accident and end up in an emergency room. ER visits are quite common, with ERs receiving 136.9 million patients every year. They’re also expensive, with a single visit now at an average cost of $1,917! (photo below is from the CNN article)

In any case, that’s some serious money you may have no means of paying right away. Especially if you’re one of the 55 million individuals who don’t have any emergency savings.

If you find yourself in such a situation, then a no credit check, same day loan may be a good option. To be sure, look for bad credit loans with guaranteed approval. These programs give you the highest likelihood of securing that loan you need ASAP.

What You Need to Qualify for Advanced Cash or Quick Loans

Of course, there are still requirements you need to meet to qualify. However, they’re basic to minimal at most. They’re so much easier to meet than traditional loan requirements.

  • For starters, you need to be at least 18 years old.
  • You need to have proof of repayment ability (AKA your monthly income).
  • Your bank account should also be with a U.S.-based bank.

Having a current personal loan may restrict your qualifications though. That’s because an outstanding loan reduces your ability to repay for another loan. You may still qualify for a no credit check loan, but only for a smaller amount.

Friendly Reminders before Applying for These No Credit Check Financing Programs

It’s true that most people apply for a hardship loan for bad credit because they’re in a financial dilemma. However, before you do the same, it’s important to ensure you can indeed pay back what you’ll owe.

Keep in mind that most online loans have a higher interest rate than traditional loans. That said, make sure you explore and compare all your loan options. Also, if your financial need is more for your startup, be sure to check out your business credit card choices. I’ve had American Express cards for almost 20 years now — as they are great for entrepreneur and business needs, but are also usually catered towards those with higher credit scores.

Even as great as American Express might be, I wouldn’t want to be in their debt and have to pay those hefty late fees and annual interest rates!

Making repayments on time is a must for all loans, but even more so for these “special” loans. They can come with higher missed payment penalties and surcharges. As such, it’s vital you always make the payments on time or you can face expensive but unnecessary fees.

Last but not least, be a responsible borrower! Only apply for a loan amount that you have dire need for. As helpful as these loans are, they’re best for short-term financial needs. Even if you apply and are offered $10k in loans, but you only need $3k… just take what you need, and then pay it off as fast as possible.

Get the Financial Help You Need Now

No credit check cash loans exist for the millions of people out there with poor or bad credit. They’re designed to aid borrowers who otherwise won’t qualify for traditional loans. They also come with the bonus of not further affecting credit scores.

So, if a sudden emergency expense arises, consider applying for this loan. It’s also a good idea in case you’re having trouble making ends meet. But be sure that you can pay it with ease, and always on time. If not, you could end up with a lot more than just late payments and an even worse credit score! 🙁

While we’re on the subject of finances, you may also want to look through a few different ways on how to make money online with little investment. Check out that resource page to know more about your potential online sources of income!