6 Best Business Credit Cards for Advertising Purchases (Facebook, Google, Amazon, and More)

The Sapphire Reserve for Business℠, American Express^® Business Gold Card, Ink Business Preferred^® Credit Card, The American Express Blue Business Cash™ Card, The Blue Business^® Plus Credit Card from American Express, and Ink Business Unlimited^® Credit Card earn the best rewards for advertising purchases. The Amex Business Gold card offers the highest advertising rewards rate when advertising is one of your top 2 eligible spending categories. If so, it will earn 4x Membership Rewards points on up to $150,000 in combined purchases each year (1x thereafter).

Chase business cards earn bonus rewards on advertising purchased directly from social media sites and search engines, and Amex business cards earn on qualifying online, television, and radio advertising purchased directly from U.S. media providers. The best business card for advertising purchases depends on your business’s spending volume, the advertising platform you use, and your rewards preferences.

Quick Overview of the Best Business Credit Cards for Advertising Purchases

The highest earning rate on advertising spending is 4x points with the Amex Business Gold card on up to $150,000 per year across 2 qualifying categories, including some advertising. The Chase Sapphire Reserve Business card and Ink Business Preferred card earn 3x points on social media and search engine advertising, and the Chase Sapphire Reserve Business card has no earnings cap. Chase defines ad spending as purchases made directly with social media and search engine merchants, and third-party ad platforms may not qualify (Source: Chase).

No-annual-fee business cards that earn well on advertising include the Amex Blue Business Cash card (earning 2% cash-back) and the Amex Blue Business Plus card (earning 2x points) on all purchases up to $50,000 per year (Amex Blue Business Cash card rates & fees, Amex Blue Business Plus card rates & fees). Amex considers ad spending to be online, TV, and radio advertising purchased directly from U.S. media providers, but it excludes Amazon advertising (Source: American Express).

The Chase Sapphire Reserve Business card is the only featured card with 3x earnings on ad spending with no cap, making it a good choice for businesses spending more than $150,000 annually on advertising.

Best Business Credit Cards for Advertising Purchases

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Card	Welcome offer	Annual fee	Earning rates	Best for
Sapphire Reserve for Business℠	LIMITED TIME OFFER200,000 pointsSapphire Reserve for Business℠Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.	$795 (rates & fees)	1x-8x pointsSapphire Reserve for Business℠ Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours Earn 5x total points on Lyft rides through September 30, 2027 Earn 4x points on flights & hotels booked direct Earn 3x points on social media & search engine advertising	Uncapped advertising rewards
American Express® Business Gold Card	NEW OFFERAs High As 200,000 Points. Find Out Your Offer.American Express® Business Gold CardAs High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.	$375 (rates & fees)	1x-4x pointsAmerican Express® Business Gold Card Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn 1X Membership Rewards® points on all other eligible purchases. Terms Apply.	Highest advertising rewards rate
Ink Business Preferred® Credit Card	NEW OFFER100,000 pointsInk Business Preferred® Credit CardEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.	$95 (rates & fees)	1x-3x pointsInk Business Preferred® Credit Card Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.	Advertising and travel rewards
The American Express Blue Business Cash™ Card	$250The American Express Blue Business Cash™ CardEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	$0	1%-2% cash-backThe American Express Blue Business Cash™ Card Earn 2% cash-back on the first $50,000 in purchases per calendar year, then 1% thereafter. Earn 1% cash-back on all other purchases. Cash back earned is automatically credited to your statement. Terms Apply.	Straightforward cash-back
The Blue Business® Plus Credit Card from American Express	15,000 pointsThe Blue Business® Plus Credit Card from American ExpressEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.	$0	1x-2x pointsThe Blue Business® Plus Credit Card from American Express Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Earn 1X Membership Rewards® point on other purchases. Terms Apply.	Membership Rewards with no annual fee
Ink Business Unlimited® Credit Card	LIMITED TIME OFFER$750 $1,000Ink Business Unlimited® Credit CardEarn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.	$0 (rates & fees)	1.5% cash-backInk Business Unlimited® Credit Card Earn unlimited 1.5% cash back on every purchase	Uncapped cash-back

4 Best Overall Business Cards for Advertising Purchases

Chase Sapphire Reserve Business Card (Best Overall for Advertising Purchases)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

The Chase Sapphire Reserve Business card offers an impressive rewards rate of 3x points on advertising purchases. There’s no limit on how much you can earn.

Here’s how the Chase Sapphire Reserve Business card rewards advertising purchases:

We like earning Ultimate Rewards points because they can be used flexibly for valuable redemptions, including travel, and transferred to Chase transfer partners.

Amex Business Gold Card (Best for Businesses With Under $150,000 in Annual Ad Spending)

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 200,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$375

APR

17.74% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• Terms Apply

Financial Snapshot

• APR: 17.74% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

With the Amex Business Gold card, you can earn 4x rewards on the 2 eligible categories you spend the most in each month, up to $150,000 in annual combined purchases (1x thereafter). This process ensures your greatest expenses receive the greatest rewards. If advertising is always your biggest expense category, you always receive 4x earnings for those purchases.

Here’s how the Amex Business Gold card rewards advertising purchases:

Membership Rewards points are one of the most valuable reward currencies because there are many ways to earn and valuable ways to redeem Amex points, including transferring Amex points to Amex transfer partners.

Ink Business Preferred Card (Best for Travel Rewards)

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

With the Ink Business Preferred card, advertising purchases on social media and search engines earn 3x points. Other 3x bonus-earning categories include travel, shipping, internet, cable, and phone services. There is a $150,000 annual limit on total 3x category earnings, after which you earn 1x points.

Here’s how the Ink Business Preferred card rewards advertising purchases:

Amex Blue Business Cash Card (Best for Consistent Cash-Back)

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250

UP's Offer Valuation*:

As High As $250

Annual Fee

No annual fee

APR

16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on the first $50,000 of purchases each calendar year, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power*.
• * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee. Terms Apply. Learn More.

Financial Snapshot

• APR: 16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

You can earn 2% cash-back on up to $50,000 in eligible purchases per year (including advertising) with the Amex Blue Business Cash card. After you’ve maxed out your 2% earnings, you earn 1%. Amex advertising categories include Google Ads, Yahoo Ads, and Facebook Ads.

Cash-back earned with the Amex Blue Business Cash card is automatically applied to your statement.

Alternative Credit Cards for Advertising Purchases

Amex Blue Business Plus Card (Best for No-Annual-Fee Membership Rewards)

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card earns 2x points on everyday business purchases, including advertising like Google Ads and Facebook Ads for up to $50,000 per year. After that, you earn 1x.

If you maximize that limit, you earn 100,000 Membership Rewards points — an excellent value for a $0-annual-fee credit card.

Ink Business Unlimited Card (Best for No Annual Fee and Cash-Back)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The $0-annual-fee Ink Business Unlimited card earns 1.5% cash-back on every purchase, including advertising.

Cash-back rewards are earned as Ultimate Rewards points, which can be redeemed for cash-back at 1 cent per point. They can also be transferred as Ultimate Rewards points to premium Chase credit cards such as the Ink Business Preferred card, Chase Sapphire Reserve Business card, or Chase Sapphire Reserve^® for greater value when redeemed for travel.

Hot Tip: If your advertising expenses exceed the bonus category limits for a specific credit card, a combination of 2 cards that align with your spending levels may help you earn more rewards.

How To Choose a Business Card for Ad Spending

The amount your business spends on advertising each year should be the primary consideration when choosing a card with advertising rewards. Businesses spending more than $150,000 per year should consider cards with uncapped earning, such as the Chase Sapphire Reserve Business card, rather than cards that earn higher rates but have caps, such as the Amex Business Gold card.

Your preference of reward currency matters, too, though both Chase Ultimate Rewards and Amex Membership Rewards offer strong transfer partners. Cash-back options such as the Amex Blue Business Cash card may suit businesses that prioritize simplicity.

No-annual-fee options can deliver meaningful value for businesses with lower ad spending that can’t offset a premium card’s annual fee with rewards earnings.

What Counts as Advertising on These Cards?

American Express and Chase differ on what counts as an advertising purchase, which affects which advertising expenses earn bonus rewards on each card.

American Express defines ad spending as online, television, and radio advertising purchased directly from U.S. media providers, but Amex excludes Amazon advertising (Source: American Express). Chase considers social media websites and online search engines as advertising purchases (Source: Chase).

Are Credit Cards for Advertising Purchases Worth It?

A business card that earns bonus rewards for advertising purchases can be worth it if you have significant ad spending each year. For example, spending the full $150,000 annual limit to earn 4x rewards on the Amex Business Gold card would earn you 600,000 Membership Rewards points. We value Membership Rewards points at about 2.2 cents each, making 600,000 points worth about $13,200.

How We Selected the Best Business Credit Cards for Advertising Purchases

Upgraded Points evaluated business cards based on their advertising earning rates, spending caps, and qualifying purchase definitions. We also considered how flexible the rewards currency is and the business benefits that enhance the card’s overall value.

Flat-rate cards were included as alternatives for businesses with advertising purchases that don’t qualify for a bonus category or that exceed category bonus caps. See our credit card rating methodology for more information.

Final Thoughts

The best business card for advertising spending depends on how much your business spends on ads each year and whether that lands within a card’s category caps. Consider annual fees and whether you prefer travel rewards or cash-back. Businesses that spend on travel and qualifying social media or search advertising may prefer Chase. Small businesses with frequent office supply purchases and wireless phone expenses may benefit from the Amex Blue Business Cash card’s 2% cash-back on up to $50,000 per year. See the comparison table above to compare each card’s features to your business spending mix.