Right now, and in the coming days, you’ll notice a massive push for credit card sign-ups across various “deal” sites. These sites aren’t doing it out of the kindness of their hearts—they’re getting paid, and they’re getting paid big.
Credit card issuers are offering these sites over $500 per approved credit card application. But it doesn’t stop there. After about a month, they’ll push an incentive program where they also dangle massive bonuses for new credit card sign-ups over a number of days, like:
• $5,000 for 25 approvals
• $25,000 for 100 approvals
• $150,000 for 500 approvals
And that’s on top of the $500 per application!
With that kind of money on the table, it’s no surprise that many websites will be shoving these offers down your throat.
Here’s the thing—we got the same offer. And we declined. And we always have.
Why? Because we will never exploit our readers the way these other unethical sites do. Our entire staff already makes a respectable wage, and we refuse to compromise our integrity just to chase these commissions.
There are several reasons we’ve chosen not to participate in these programs:
• They come with restrictions: Credit card issuers impose strict guidelines on what can and cannot be posted. They require websites to remove or avoid content that exposes loopholes, workarounds, or better alternatives that don’t benefit the banks. And they don’t allow mentions of superior offers from other credit card companies that don’t pay a commission fee.
• They create pressure to prioritize sales over honesty: Many programs require a minimum number of sign-ups to keep the links active. As a result, these websites write content focused on selling rather than providing genuinely helpful financial advice.
• Ethical Concerns About Credit Card Debt: Many credit cards target people who may not fully understand the long-term financial risks. Interest rates are often predatory, especially for those who carry a balance. Some sites push credit cards to people who should be focused on paying off existing debt rather than taking on more.
At the end of the day, credit card companies exist to make money off you. They charge sky-high interest rates and tack on ridiculous fees. If you carry a balance, they win and you lose.
So, as you start seeing these credit card promotions flood your feed, remember why they’re pushing them so hard—and consider whether they truly have your best interests in mind. We certainly do.
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The worst part is that certain sites brag about flying first class around the world multiple times for free, when in reality, the bulk of their points come from referrals—not just the one-time 100K sign-up bonus they make it seem like.
Thank you!
Yup sadly very true. This is why literally every online credit card discussion pushes the chase sapphire credit cards when you could do far better for your money.
Wow, if true, that’s pretty sad — and Grok just confirmed it.
Thank you!
These sites are committing “lifnei iver” over and over again