The Best Business Credit Cards for Advertising Purchases (From Facebook Ads to TV)

Social media advertising

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Online advertising has become the major strategy for growing businesses in today’s marketplace.

Estimates vary by source, but according to data research company Statista, in 2017, 90% of U.S. businesses were using social media for marketing.

This was an increase from 86.2% in 2013, and it is expected to increase to 91% in 2019.

Chances are, your business spends money on advertising. Whether you use Facebook, Google, Twitter, or more traditional media platforms such as TV or radio — if a big share of your business expenses falls in this category, you’ll want make sure you’re earning the highest rewards possible.

Fortunately, several of the best credit cards available have been designed to reward common types of business spending inherent to businesses today.

In our article, we’ll cover:

  • Which credit cards are best for earning rewards on advertising purchases
  • Which advertising categories are eligible for bonus earning
  • The benefits of different reward currencies
  • Alternative credit cards for earning rewards on advertising purchases

Let’s get busy making sure every advertising purchase your business makes earns rewards.

Best Overall Credit Cards for Advertising Purchases

Ink Business Preferred℠ Credit Card

How to Earn on Advertising Purchases

No need to select a specific bonus category with the Ink Business Preferred℠ Credit Card — all of the business spending bonus categories automatically earn 3 Ultimate Rewards points per $1 spent.

Advertising purchases on social media and search engines are included in the bonus earning categories and also receive 3 points per dollar spent.

You’ll also receive this same level of earning on travel, shipping, and internet/cable/phone services.

There is a $150,000 annual limit on total 3X category earnings, after which you will earn 1 point per dollar spent. If you’re reaching this level of spending on Google and Facebook Ads or other 3% category, that’s a total of 450,000 Ultimate Rewards Points!

Once earned, Ultimate Rewards points are deposited in your Ultimate Rewards account at the end of each statement period and are available for use.

Here’s how the Ink Business Preferred℠ Credit Card rewards advertising purchases.

Best For:Example of Bonus Earning MerchantsRewards
  • Social media website advertising and search engine advertising purchases
  • Google Ads (formerly “Google Adwords”), Yahoo & Bing Ads
  • Facebook Ads, Twitter Ads
  • Microsoft Bing Ads
  • 3 Ultimate Rewards points per $1 spent ($150k annual limit on the 3pts/$1, then 1pt/$1)

Why We Like Earning Ultimate Rewards Points

We like to earn Ultimate Rewards points because of their flexibility and value.

Hot Tip: If your business spends a lot on Google Ads or Facebook Ads, the Chase Ink Business Preferred Credit Card is an excellent choice for those advertising purchases. Maximizing the $150,000 purchase limit for 3% categories will generate $5625 in travel value when redeemed via the Chase Ultimate Rewards travel portal. 

American Express® Business Gold Card

How to Earn on Advertising Purchases

You have more productive things to do with your time than trying to determine which bonus earning categories you should select on your business credit card.

With the American Express® Business Gold Card, elevated earning is simple. All of the 4X bonus earning categories are eligible, but your actual spending determines which 2 categories receive the bonus each statement period.

For example, if this month’s statement shows that shipping and radio advertising were your biggest expenses, those are the categories that will receive 4X bonus earnings.

Next month’s spending could change, with airline tickets and computer hardware being your largest expenses. Those will then be the categories earning the 4X bonus.

This process ensures your greatest expenses receive the greatest rewards. If advertising is always your biggest expense category, you’ll always receive 4X earnings for those purchases.

If your business spends a lot on Google Ads or Facebook Ads, the American Express Business Gold Card is an excellent choice. If you maximize the $150,000 annual purchase limit in this 4X earnings category, that’s 600,000 Membership Rewards Points earned each year!

Here’s how the American Express® Business Gold Card rewards advertising purchases:

Best For:Examples of Bonus Earning MerchantsRewards
  • Online ads, television and radio advertising purchased in the U.S. for the purpose of promoting a business
  • Google Ads (formerly “Google Adwords”), Yahoo & Bing Ads
  • Facebook Ads, Twitter Ads
  • NBC TV
  • CBS Radio
  • 4 Membership Rewards points/$1 spent on 2 categories
  • Limit of $150,000 for both 4X earning categories combined (learn more)

Why We Like Earning Membership Rewards Points

Membership Rewards points are one of the most valuable rewards currencies, as there are so many ways to earn the points and a variety of good value redemption options.

The value you receive for your points will depend on which redemption option you select. You can purchase travel through Amex Travel, redeem your points for gift cards, or donate to charity to easily receive 1 cent per point in value.

Transferring Membership Rewards points to travel partners (especially airlines) can yield even greater value and be the best option for maximizing your Amex points.

While there are several other redemption options, choices such as statement credits, shopping at Amazon, Best Buy, or the American Express shopping mall will yield significantly less value for your points.

Hot Tip: If your business needs online recruiting services to help find new hires, the American Express® Business Gold Card could save you thousands of dollars. The card comes with a free year of ZipRecruiter, which is valued at nearly $3,000. 

TV channels
Whether you use traditional media or social media, advertising expenses can earn big rewards. Image courtesy of Spectrum.

SimplyCash® Plus Business Credit Card from American Express

How to Earn on Advertising Purchases

If advertising is your greatest expense, you can consistently earn 3% cash-back by selecting this bonus category within the first 2 months after card approval. After that, you can change your bonus category once per year.

Bonus earning in 3% categories is limited to $50,000 in purchases per calendar year.

Additionally, you can earn 5% cash-back on wireless phone services and at U.S. office supply stores. There is no requirement to select these categories; bonus earning happens automatically. There is a $50,000 separate annual limit for combined 5% categories.

Here’s how the SimplyCash® Plus Business Credit Card from American Express earns cash-back on advertising:

Best For:Examples of Bonus Earning MerchantsRewards
  • Online ads, television and radio advertising purchased in the U.S. for the purpose of promoting a business
  • Google Ads, Yahoo & Bing Ads
  • Facebook Ads, Twitter Ads
  • NBC TV
  • CBS Radio
  • 3% cash-back

Why We Like Earning Cash-Back

If you’re operating your business on a tight budget and traveling is not a priority, cash-back can be a valuable way to bring capital back into the business.

No need for complicated redemption strategies — cash-back earned on the SimplyCash® Plus Business Credit Card is applied automatically to subsequent statements, helping to offset expenses and improve your bottom line.

Hot Tip: Have a large business purchase coming up that you won’t be able to pay off right away? The SimplyCash® Plus Business Credit Card from American Express has a stellar introductory 0% APR period for purchases. This 0% APR period will allow you to make that large purchase and pay the debt back over 15 months without incurring interest charges. 

Sky advertising banner
No matter how you advertise, all of your purchases can earn rewards. Image courtesy of Skysign.com.

Alternative Credit Cards for Advertising Purchases

If you want to earn rewards on all of your purchases including advertising, you can accomplish this with several credit cards.

Let’s take a look at several no-annual-fee credit cards that deliver earnings on every purchase you make.

The Blue Business℠ Plus Credit Card from American Express

The Blue Business℠ Plus Credit Card from American Express earns 2 Membership Rewards points per dollar spent on the card on everyday business purchases, including advertising like Google Ads and Facebook Ads.

There is an annual $50,000 limit on total 2X purchases so if you maximize that limit, you’ll earn 100,000 Membership Rewards points, an excellent value for a no-annual fee credit card. After that, all purchases will earn 1 point per dollar spent.

Ink Business Unlimited℠ Credit Card

With 1.5% cash-back on every purchase your business makes, including advertising, this no-annual-fee credit card is worthy of consideration.

Cash-back rewards are earned in the form of Ultimate Rewards points, which can be redeemed for cash-back at 1 cent per point.

You can, however, transfer the Ultimate Rewards points to premium Chase credit cards such as the Ink Business Preferred℠ Credit Card or Chase Sapphire Reserve® for 25%-50% more value when redeemed for travel.

There is no limit on how much cash-back (in the form of Ultimate Rewards points) you can earn with the Ink Business Unlimited℠ Credit Card.

Citi® Double Cash Card

There are no complicated earning structures to keep track of with the Citi® Double Cash Card. You’ll earn 1% cash-back when you make a purchase and 1% when you pay off your purchase.

With 2% cash-back on every purchase, including advertising like Google Ads and Facebook Ads, the Citi® Double Cash Card makes earning easy. There’s also no limit on the amount of cash-back you can earn.

Hot Tip: If your advertising expenses exceed the bonus category limits that come with a specific credit card, a combination of 2 cards that match up with your spending levels may be the ultimate solution. For example, the Ink Business Preferred℠ Credit Card  and the American Express® Business Gold Card, cards with elevated advertising earnings, have a $300,000 annual limit combined. 

Final Thoughts

If your business is heavy into advertising and the expense is significant, selecting a credit card that earns rewards for these purchases makes good business sense.

It’s also prudent to look at your other major expenses and select a card that matches as much of your spending mix as possible.

For example, if your 2 largest business expenses are for travel and advertising, the Ink Business Preferred℠ Credit Card might be a better choice than the American Express® Business Gold Card, which limits earning to just airline tickets purchased directly from the airlines.

If your business is small and you have a lot of office supply and wireless phone expenses, the SimplyCash® Plus Business Credit Card from American Express will have you earning plenty at 5% cash-back on up to $50,000 per year. Plus, you’ll receive 3% additional cash-back on your advertising expenses — it’s a win-win for a small business.

Selecting the best credit card for earning rewards on your business advertising expenses should involve looking at all of your expenses to determine which card is the best one overall for your business bottom line.


*Featured Image Credit: Shutterstock.com

FAQ

Which credit card is the best for advertising?

The best credit card for earning rewards on your advertising purchases will depend on which media you spend the greatest.

For example, if you purchase a lot of TV and radio advertising, the American Express® Business Gold Card or the SimplyCash® Plus Business Credit Card from American Express will earn rewards on these categories and be good choices.

The Ink Business Preferred℠ Credit Card does not include TV and radio advertising but earns rewards for social media ads on Google and Facebook, which makes the card a wise choice if you use these vehicles for online advertising.

If you spend a lot on print publication advertising, a credit card such as the Ink Business Unlimited℠ Credit Card will ensure you earn rewards on every purchase.

Selecting the best credit card for advertising purchases should also take into consideration the total mix of spending and whether other large business expenses could earn even greater rewards.

Which advertising purchases earn rewards?

Each credit card has its own definition of advertising and which merchants qualify for bonus earning.

Some credit cards only include social media, others include TV and radio.

You can access the credit card’s terms and conditions for more detailed descriptions before you apply for any credit card, you should read the “offer and benefit terms” and “rates and fees” information.

The details on which advertising media qualify is located under the”offer and benefit terms.”

Is there a card with no annual fee for earning rewards on advertising?

The SimplyCash® Plus Business Credit Card from American Express does not charge an annual fee and earns 3% cash-back on advertising purchases.

The card also earns 5% cash-back at office supply stores and wireless phone services.

How can I qualify for a business credit card?

While the IRS definition of a business is quite broad and includes “any activity carried on for the production of income,” credit card issuers will want more evidence of your business existing.

With that said, even small businesses such as part-time coaching, selling on eBay, or dog walking can qualify.

Registering your business in the state where you operate can help establish legitimacy and improve your chances for approval of a business credit card. A current relationship with the credit card issuer (such as a bank account) can also improve your chances.

However, it is the strength of your personal credit that will ultimately solidify your approval for a business credit card.

Those with good credit, business activity (even it is small), and the bonus of an existing relationship are most likely to succeed in securing a business credit card.

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Ink Business Preferred℠ Credit Card

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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