Updated September 28, 2026 · AffCue Editorial Team
PAYBACK American Express Card vs TF Bank AT
Facts checked September 26, 2026.
Facts checked September 26, 2026.
Where PAYBACK American Express Card and TF Bank AT differ
| Compare |  PAYBACK American Express Card |  TF Bank AT |
|---|---|---|
| Commission terms | Up to $200 per approved card | 50 EUR per activated card |
| Cookie window | 7 days | 30 daysHigher |
| Networks | CJ Affiliate, FinanceAds, DaisyconCovers more | FinanceAds |
| Payout per sale or signup | $200 | €50 |
| Verticals | Banking | Banking, LendingCovers more |
| Payout frequency | Monthly | Not confirmed |
Same on both: Recurring commission (No).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at TF Bank AT: 30 days vs 7 days.
- Networks: only PAYBACK American Express Card offers CJ Affiliate, Daisycon.
- PAYBACK American Express Card is available in 1 more country.
- Features: only TF Bank AT offers Direct.
- Region: only PAYBACK American Express Card offers North america, Europe.
- Region: only TF Bank AT offers Single country.
- Verticals: only TF Bank AT offers Lending.
Our verdict on each
PAYBACK American Express Card
PAYBACK American Express Card is a CPA offer for publishers who can send card traffic fast, paying $200 per approved card. The trade-off is the window: 7 days of cookie while banking programmes reach 90 days, so timing matters more than patience.
TF Bank AT
TF Bank AT is a focused, single-market offer for publishers with card banking or lending audiences, paying a flat CPA on the card activation. The 30 day window matches the common finance figure, so volume depends on how well your traffic fits single country.
Positions in our rankings
| Ranking | PAYBACK American Express Card | TF Bank AT |
|---|---|---|
| Finance affiliate programs | 45 of 425 | 67 of 425 |
| Banking and fintech programs | 9 of 86 | 15 of 86 |
Licences and countries
| Country | PAYBACK American Express Card | TF Bank AT |
|---|---|---|
| Region | North america, Europe | Single country |
Additional countries for PAYBACK American Express Card: 2. Additional countries for TF Bank AT: 1.
Also worth a look
Axi Affiliates has cookie window at 60 days, against 7 days for PAYBACK American Express Card and 30 days for TF Bank AT.
Axi Affiliates reviewWhere these facts come from
PAYBACK American Express Card
- getlasso.co: 5 facts, checked September 26, 2026
- offers.maxfunnels.com: 4 facts, checked September 26, 2026
TF Bank AT
- tfbank.at: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | PAYBACK American Express Card | TF Bank AT |
|---|---|---|
| Pricing model | CPA | CPA |
| Features | Referral | Direct, ReferralCovers more |
| Region | North america, Europe | Single country |
| Legal entity | Not confirmed | Avarda Bank AB |
| Headquarters | Not confirmed | Sweden |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | PAYBACK American Express Card | TF Bank AT | Median |
|---|---|---|---|
| Cookie window | 7 dayslowest quarter | 30 daysat the median | 30 days |
Median across 146 listed affiliate programs.
Pros and cons
PAYBACK American Express Card
Pros
- An approved card is worth $200, which rewards card focused content well.
- The offer runs on CJ Affiliate, financeAds and Daisycon, so you can pick the network that matches your audience.
- Payouts are Monthly, a predictable rhythm for cash flow.
Cons
- Recurring commission is no, so payment stops at approval and never returns.
- A 7 day cookie window ranks 111 of 129 on the site, so a reader who returns after that earns you nothing.
- Payouts run Monthly, so approved cards wait for the next cycle before the money lands.
TF Bank AT
Pros
- A clear, easy to price action: 50 EUR per activated card on an activated card, with the model listed as cpa.
- The 30 day window matches the finance median of 30, so the attribution window is not the limiting factor here.
- Both a direct and a referral route are listed in direct and referral, which lets you run paid placements and word of mouth style promotion side by side.
Cons
- There is no recurring commission, so a subscriber who stays for years pays the same as a sign up that lapses after the first month.
- single country coverage means the offer pays only in a single market, and 52.5% shows how common that limit is across the category.
- financeAds lists one network only, so there is no second route to the same offer if your approval terms change.
Who each suits
PAYBACK American Express Card
Who it suits
- Publishers whose readers already apply for credit cards and compare rewards.
- Network operators on CJ Affiliate, financeAds and Daisycon who want a single approval trigger to optimise around.
- Sites with banking content in north america and europe that can send readers straight to an application.
Who should look elsewhere
- Publishers who want a share of what a referral spends rather than a flat approval fee, since Admitad pays 5% per sale.
- Publishers chasing paid leads as well as sign ups, since Mintos offers Hybrid lead and CPA commission.
- Publishors who need a different banking angle to test, since Qonto pays CPA per registration plus KYB bonus.
TF Bank AT
Who it suits
- Publishers whose audience already applies for cards or short term credit in a single market.
- Media buyers who can pass a 30 day window to their optimisation and price a flat 50 EUR per activated card per activation.
- Sites with room for both a direct offer and a referral mention, since direct and referral covers both.
Who should look elsewhere
- Publishers who need lifetime value from a finance signup, since there is no recurring commission here.
- Anyone chasing a broad, multi country card offer, because single country narrows it to a single market.
- Publishers who want a revenue share or a percentage model, since the model is cpa and Admitad pays a percentage per sale instead.
Country by country
| Country | PAYBACK American Express Card | TF Bank AT |
|---|---|---|
| Austria | No | Yes |
| Canada | Yes | No |
| Germany | Yes | No |
Questions about each
PAYBACK American Express Card
How much does the PAYBACK American Express Card pay?+
The programme pays Up to $200 per approved card, and the amount sits at $200. It runs on the cpa model, so the money is tied to an approved card rather than to clicks or to what the cardholder later spends. Approved applications are what trigger the payment.
How long do I have to turn a click into an approved card?+
The cookie window is 7 days. On the site that ranks 111 out of 129 programmes, so it sits near the short end. The longest banking and fintech window reaches 90 days, so campaigns have to be timed tightly here.
TF Bank AT
What does TF Bank AT pay per activated card?+
The programme pays 50 EUR per activated card, and the commission model is cpa. That is a flat fee for a single event rather than a share of what the customer goes on to spend or repay. Budget around one payment per activated card, not per month of account life.
How long is the cookie window?+
The attribution window is 30 days, which is the same as the finance median of 30. Across the site the typical window runs from 30 to 60, so this sits in the ordinary middle range rather than at either extreme.