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, and even exceed that figure in 2022. 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.
Best Overall Credit Cards for Advertising Purchases
1. American Express® Business Gold Card (Staff Favorite)
|Credit Card||Benefits & Info|
|American Express® Business Gold Card|
(at Amex's secure site)
- 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.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- Good to Excellent Credit Recommended (670-840)
- Annual Fee: $295
- *Terms Apply. For rates and fees of the Amex Business Gold card, click here.
Must Reads: For more info on the Amex Business Gold Card see our guide on its benefits, top FAQ’s and our full review.
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 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 (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 Shop with Membership Rewards Points will yield significantly less value for your points.
2. Ink Business Preferred® Credit Card
|Credit Card||Key Benefits & Info|
|Ink Business Preferred® Credit Card|
(at Chase's secure site)
- Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
- 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
- 25% more value when redeeming points through Ultimate Rewards® travel
- Good to Excellent Credit Recommended (670-850)
- Annual Fee: $95
Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.
How To Earn on Advertising Purchases
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.
Additional 3x bonus-earning categories include travel, shipping, and internet, cable, and 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, Amazon, or Facebook ads, or another 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 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 3 points per $1, then 1 point per $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, Amazon, or Facebook advertising, the Ink Business Preferred card is an excellent choice for those advertising purchases. Maximizing the $150,000 purchase limit for 3% categories will generate $5,625 in travel value when redeemed via the Chase Ultimate Rewards travel portal.
3. America Express Blue Business Cash™ Card
How To Earn on Qualifying Advertising Purchases
If advertising is your greatest expense, you can consistently earn 2% cash-back with the Amex Blue Business Cash card. Bonus 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 are also qualifying categories.
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.
Hot Tip: Have a large business purchase coming up that you won’t be able to pay off right away? The Amex Blue Business Cash card has an introductory 0% APR period for purchases (regular APR, as shown above, applies thereafter). This 0% APR period will allow you to make that large purchase and pay the debt back over 12 months without incurring interest charges.
Best Business Card for Unlimited Advertising Purchases
4. The Business Platinum Card® from American Express
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.
Plus it comes with a long list of benefits that make it a valuable business resource.
Why We Like the Card for Advertising Purchases
- 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.
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.
5. The Blue Business® Plus Credit Card from American Express
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.
6. 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 that 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 card or Chase Sapphire Reserve® Card for 25% to 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 card.
7. Citi® Double Cash Card
Though not a business-specific credit card, there are no complicated earning structures to keep track of with the 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, Amazon Advertising, and Facebook Ads, the 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 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.
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 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, please click here.