What does Capital One offer instead of an affiliate program?

What Capital One runs instead: Capital One card Refer a Friend (Existing cardholders in good standing earn a bonus for each friend approved for a Capital One card through their referral link; the bonus depends on the card and is shown after signing in).

How can I earn commission promoting something like Capital One?

Among the affiliate programs we list for credit cards and banking, the ones that pay most per referral are Relay ($50 - $300 per client onboarded), Thrivent Bank ($300 per sale), Barclays US Online Savings ($100-$250 per lead). Each one links to its full terms, the network it runs on and the steps to get approved.

Capital One affiliate program

Credit cards and banking · capitalone.com

Customer referrals only

Capital One does not run an affiliate program: what it has is a refer-a-friend scheme for its own customers.

We found no Capital One affiliate program for publishers. FlexOffers, which listed Capital One's Spark Business program, says it is not currently offering it; what Capital One runs is a refer-a-friend program for its existing cardholders.

Checked October 16, 2026 against 2 sources, listed below. How we verify

What Capital One runs instead

Capital One card Refer a Friend
Existing cardholders in good standing earn a bonus for each friend approved for a Capital One card through their referral link; the bonus depends on the card and is shown after signing in.

Credit cards and banking affiliate programs that pay instead

Ranked by modelled value per referral, up to $300. Open any program for its terms, sources and the steps to get approved.

1
Relay
In-house·$50 - $300 per client onboarded·cookie not posted
$300
Apply
2
Thrivent Bank
CJ·$300 per sale·cookie not posted
$300
Apply
3
Barclays US Online Savings
CJ·$100-$250 per lead·cookie not posted
$250
Apply
4
Lili
In-house·Up to $350 per qualified client plus 10% revenue share·cookie not posted
$150recurring
Apply
5
Valley Bank
CJ·$150 per sale·cookie not posted
$150
Apply
6
Qonto
In-house·FR in-house program pays a per-registration commission plus an activation bonus, amount set on approval; financeAds NL/BE program pays a fixed CPA of 250 EUR per validated business account (EUR)·session-length cookie
$120
Apply
7
SoFi
Impact·Set per-advertiser in Impact·30-day cookie
$120
Apply
8
LendingClub
Impact·~$100 per funded referral·cookie not posted
$80
Apply
9
Tide Business Banking
Impact·£50 per verified business account·30-day cookie
$62
Apply
10
Chime
CJ·Set per-advertiser in CJ·30-day cookie
$40
Apply

All bank affiliate programs

Capital One affiliate program: common questions

Does Capital One have an affiliate program?: Capital One does not run an affiliate program: what it has is a refer-a-friend scheme for its own customers. We found no Capital One affiliate program for publishers. FlexOffers, which listed Capital One's Spark Business program, says it is not currently offering it; what Capital One runs is a refer-a-friend program for its existing cardholders.
What does Capital One offer instead of an affiliate program?: What Capital One runs instead: Capital One card Refer a Friend (Existing cardholders in good standing earn a bonus for each friend approved for a Capital One card through their referral link; the bonus depends on the card and is shown after signing in).
How can I earn commission promoting something like Capital One?: Among the affiliate programs we list for credit cards and banking, the ones that pay most per referral are Relay ($50 - $300 per client onboarded), Thrivent Bank ($300 per sale), Barclays US Online Savings ($100-$250 per lead). Each one links to its full terms, the network it runs on and the steps to get approved.