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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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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, its recently released report estimates that nearly 92% of U.S. businesses will use social media for marketing in 2021. This is a staggering increase from 86.2% in 2013.
Chances are, your business spends money on advertising. Whether you use Facebook, Amazon, 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 to 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 advertising 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.
4x points on the 2 categories where your business spends the most (limit of $150,000), one of them being U.S. purchases for advertising in select media
NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
$95
3x points 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
The rating for this card has been determined by our own industry experts who know the in's and out's 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).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
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.
No elite travel benefits like airport lounge access or elite status
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
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 Amex 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 Amex 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!
Hot Tip: It’s worthy to note that Amex does not list Amazon advertising as a qualifying online ad purchase at this time.
Here’s how the Amex Business Gold card rewards advertising purchases:
Best For:
Examples of Bonus Earning Merchants
Rewards
Qualifying online ads, television and radio advertising purchased in the U.S. for the purpose of promoting a business
Ads on Google, Yahoo, and Bing
Ads on Facebook, Instagram, Twitter
NBC TV
CBS Radio
4 Membership Rewards points per $1 spent on 2 categories
Limit of $150,000 for both 4x earning categories combined
Why We Like Earning Membership Rewards Points
Membership Rewards points are one of the most valuable rewards currencies given how many ways there are to earn Amex points and the 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 Amex points to the Amex 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 Shop with Membership Rewards Points will yield significantly less value for your points.
2. Ink Business Preferred Card (Best for Earning Points – Sub-$100 Annual Fee Card)
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
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
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
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
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
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
No need to select a specific bonus category with the Ink Business Preferred 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.
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, Amazon, or Facebook ads, or another 3x 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 card rewards advertising purchases:
Best for:
Example of Bonus Earning Merchants
Rewards
Social media website advertising and search engine advertising purchases
Advertising on Google and on Amazon
Yahoo, Bing, Instagram, Facebook, and Twitter ads
3 Ultimate Rewards points per $1 spent ($150k annual limit on the 3x, 1x thereafter)
Hot Tip: If your business spends a lot on Google, Amazon, or Facebook advertising, the Ink Business Preferred card is an excellent choice for those advertising purchases. Maximizing the $150,000 purchase limit for 3x categories will generate $5,625 in travel value when redeemed via the Chase Ultimate Rewards travel portal.
3. Amex Blue Business Cash Card (Best for Consistent Cash-back)
The rating for this card has been determined by our own industry experts who know the in's and out's 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 year.
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 year.
N/A
N/A
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
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
2% cash-back on up to $50,000 in spend, 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
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49% Variable, 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 up to $50,000 per calendar year, then 1%. 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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
If advertising is your greatest expense, you can consistently earn 2% cash-back with the Amex Blue Business Cash card. 2% earnings are limited to up to $50,000 in eligible purchases per year, and after you’ve maxed our your 2% earning, you’ll earn 1%.
Amex advertising categories include Google Ads, Yahoo Ads, and Facebook Ads. NBC TV and CBS Radio all qualify for 2% since the card earns 2% on all eligible purchases within the cap.
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 Amex Blue Business Cash card is applied automatically to your statement, helping to offset expenses and improve your bottom line.
Best Business Card for Unlimited Advertising Purchases
1. Amex Business Platinum Card (Best for High-spend Advertising Purchases)
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
If your business spends an inordinate amount of money on advertising each month, you’ll want to make sure every dollar is earning rewards. Plus, you’ll want to have a card that comes with many additional benefits you can use.
Earn 1.5x for eligible purchases made at U.S. construction material and hardware suppliers, at U.S. electronic goods retailers and software & cloud system providers, and at U.S. shipping providers as well as on each eligible purchase of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)
There is no limit on the amount of Membership Rewards points you can earn
Why We Like the Card Overall
The Amex Business Platinum card is a premium travel rewards card that comes with premium travel benefits including the following.
If your business is spending big on advertising, considering a card like the Amex Business Platinum card, with no spending limits, might be a rewarding option.
2 Alternative Credit Cards for Advertising Purchases
If you want to earn rewards on all of your purchases, 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, including advertising.
1. Amex Blue Business Plus Card (Best for No Annual Fee & Cash-back)
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
N/A
N/A
$0
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
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
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
Charges foreign transaction fees
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Plus card earns 2x points on everyday business purchases, including advertising like Google Ads and Facebook Ads, up to $50,000 per year. After that, you earn 1x.
If you maximize that limit, you’ll earn 100,000 Membership Rewards points — an excellent value for a no-annual-fee credit card.
2. Ink Business Unlimited Card (Best for No Annual Fee & Transferrable Rewards)
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards
Cons
3% foreign transaction fee
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
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.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
With 1.5% cash-back on every purchase your business makes, including advertising, the no-annual-fee Ink Business Unlimited card is worthy of consideration.
Cash-back rewards are earned in the form of Ultimate Rewards points that can be redeemed for cash-back at 1 cent per point.
There is no limit on how much cash-back (in the form of Ultimate Rewards points) you can earn with the Ink Business Unlimited card.
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 card (great for Amazon advertisers) and the Amex Business Gold card are cards with elevated advertising earnings that 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 card might be a better choice than the Amex Business Gold card that limits travel-related earnings to just airline tickets purchased directly from the airlines.
If your business is small and you have a lot of office supply purchases and wireless phone expenses, the Amex Blue Business Cash card will have you earning plenty at 2% cash-back on up to $50,000 per year.
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.
For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The American Express Blue Business Cash™ Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
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 Amex Business Gold card or the Amex Blue Business Cash card will earn rewards on these categories and be good choices.
The Ink Business Preferred card does not include TV and radio advertising but earns rewards for social media ads on Google, Amazon, 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 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.
Each credit card has its own definition of advertising and which merchants qualify for bonus earning.
Some credit cards only include social media, while 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 and should review 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.”
The Amex Blue Business Cash card does not charge an annual fee and earns 2% cash-back on advertising purchases (and all other purchases up to $50,000 per year; 1x thereafter).
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.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
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.
12 comments
Hector Patrick
August 07, 2019
I’m the owner of Digital Marketing Gorilla. We have both the Ink Business Prefered and the Amex Gold Business. As a small marketing agency spending roughly $30-$40k a month in ad revenue, my advice is that if you want to accumulate points for travel via ad spend, the Amex Gold Business is your best bet. Transferring points to their travel partners can yield a 2-3x return on points. However, if cashback is your motive, the Ink is your best bet as you get a 1 to 1 return on cash which equates to roughly 3% cashback on ad spend.
kent
April 03, 2020
A word of caution for businesses that advertise internationally:
1. some of these spend bonuses only apply to US ad spend. So if you advertise with, say, Amazon Europe, you only get the base 1x points. This is true for the Amex Gold Biz.
2. some of these cards above charges Forex fees! The Simplycash Business, Chase Ink Unlimited, Blue Business Plus, all charge 3% Forex. Learned this the hard way with my own business.
Thanks for that reminder, Kent. It’s always good to check a card’s rates, fees, and bonus category details before applying for any card, to make sure it’s right for your situation.
Hi Samer. Each card defines qualifying advertising purchases differently. Amex does not list Capterra as a specific merchant for qualifying advertising. Chase’s bonus category includes social media advertising of which Capterra is not. The flat rate bonus earning cards with no specific bonus categories would include Capterra expenses.
KEITH PICINIC
October 15, 2021
The Wyndham Business card gives 5x on Internet Advertising, should be on the list.
Christian C.
July 26, 2022
Please stay away from Barclays as I had a terrible experience with them. They did not honor a chargeback that I made, further, they closed the case saying that they asked for evidence when they never reached out to me for further evidence which I had. And upon checking on facebook…many people had the same problem of chargebacks/fraudulent charges on their credit card that Barclays did not honor. Stay away if you value your money and sanity.
Laura Stropes
November 17, 2021
I advertise on YouTube. Do any of these cards earn rewards on YouTube advertising?
Hi Laura. The Amex Blue Business Plus card, Ink Business Unlimited card, and the Double Cash card all earn rewards on YouTube advertising.
Mike
September 26, 2022
Thanks for mentioning that Gold Amex doesn’t count Amazon for ad spend because I was just about to sign up for it for that exact reason. Already have INK and maxed out the $150k.
Bob
February 21, 2023
Hyatt Business Card gets 2X points.
Tommy
July 03, 2023
Really? I don’t see it. How do you get the double points?
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
12 comments
Hector Patrick
August 07, 2019
I’m the owner of Digital Marketing Gorilla. We have both the Ink Business Prefered and the Amex Gold Business. As a small marketing agency spending roughly $30-$40k a month in ad revenue, my advice is that if you want to accumulate points for travel via ad spend, the Amex Gold Business is your best bet. Transferring points to their travel partners can yield a 2-3x return on points. However, if cashback is your motive, the Ink is your best bet as you get a 1 to 1 return on cash which equates to roughly 3% cashback on ad spend.
kent
April 03, 2020
A word of caution for businesses that advertise internationally:
1. some of these spend bonuses only apply to US ad spend. So if you advertise with, say, Amazon Europe, you only get the base 1x points. This is true for the Amex Gold Biz.
2. some of these cards above charges Forex fees! The Simplycash Business, Chase Ink Unlimited, Blue Business Plus, all charge 3% Forex. Learned this the hard way with my own business.
Christine Krzyszton
April 04, 2020
Thanks for that reminder, Kent. It’s always good to check a card’s rates, fees, and bonus category details before applying for any card, to make sure it’s right for your situation.
Samer Abdullah
August 16, 2021
What about Capterra? Is it by merchant codes?
Christine Krzyszton
August 17, 2021
Hi Samer. Each card defines qualifying advertising purchases differently. Amex does not list Capterra as a specific merchant for qualifying advertising. Chase’s bonus category includes social media advertising of which Capterra is not. The flat rate bonus earning cards with no specific bonus categories would include Capterra expenses.
KEITH PICINIC
October 15, 2021
The Wyndham Business card gives 5x on Internet Advertising, should be on the list.
Christian C.
July 26, 2022
Please stay away from Barclays as I had a terrible experience with them. They did not honor a chargeback that I made, further, they closed the case saying that they asked for evidence when they never reached out to me for further evidence which I had. And upon checking on facebook…many people had the same problem of chargebacks/fraudulent charges on their credit card that Barclays did not honor. Stay away if you value your money and sanity.
Laura Stropes
November 17, 2021
I advertise on YouTube. Do any of these cards earn rewards on YouTube advertising?
Christine Krzyszton
November 18, 2021
Hi Laura. The Amex Blue Business Plus card, Ink Business Unlimited card, and the Double Cash card all earn rewards on YouTube advertising.
Mike
September 26, 2022
Thanks for mentioning that Gold Amex doesn’t count Amazon for ad spend because I was just about to sign up for it for that exact reason. Already have INK and maxed out the $150k.
Bob
February 21, 2023
Hyatt Business Card gets 2X points.
Tommy
July 03, 2023
Really? I don’t see it. How do you get the double points?
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