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    The 5 Best Business Credit Cards for Advertising Purchases [September 2023]

    The 5 Best Business Credit Cards for Advertising Purchases [September 2023]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    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.

    Best Overall Credit Cards for Advertising Purchases (Facebook, Google, Bing, Amazon & More)

    1. American Express® Business Gold Card (Staff Favorite)

    American Express® Business Gold CardTerms 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 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).

    Learn More(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).
    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
    70,000 points
    $1,540
    $295
    19.49% - 27.49% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
      • Airfare purchased from airlines
      • U.S. purchases for advertising in select media
      • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
      • U.S. purchases at gas stations
      • U.S. purchases at restaurants
      • U.S. purchases for shipping
    • 25% airline bonus when using Pay With Points
    • Access to Amex’s The Hotel Collection
    • Purchase protection and extended warranty protection
    • Trip delay insurance
    • Car rental insurance

    Cons

    • $295 annual fee (rates and fees)
    • 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.*
    • *Terms Apply

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    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 (cap applies).

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

    Best For:Examples of Bonus Earning MerchantsRewards
    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

    2. Ink Business Preferred® Credit Card (Excellent Option)

    NEW OFFER
    Ink Business Preferred® Credit Card

    Ink Business Preferred® Credit Card

    U.P. Rating
    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.

    Learn More(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.
    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.
    100,000 points
    $2,000
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    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 MerchantsRewards
    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 ($150,000 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 3% categories will generate $5,625 in travel value when redeemed via the Chase Ultimate Rewards travel portal. 

    3. The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ CardTerms 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 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.

    Learn More(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 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%
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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

    Card Categories

    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.

    Best Business Card for Unlimited Advertising Purchases

    4. The Business Platinum Card® from American Express (Best Lounge Access Card)

    OUR BEST OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Business Platinum Card® from American Express

    U.P. Rating
    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!

    Learn More(at Amex's secure site)

    The Business Platinum Card® from American Express

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    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.
    120,000 points
    $2,640
    $695
    19.49% - 27.49% Variable
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

    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.

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Pros

    • 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)
    • Access to Amex’s Fine Hotels & Resorts program

    Cons

    • High annual fee of $695 (rates and fees)
    • 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.
    • $695 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 19.49% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    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 and is the best business card to access 1,400+ airport lounges worldwide.

    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)

    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.

    • Complimentary access to over 1,300 airport lounges worldwide, including the prestigious Centurion Lounge network
    • Up to $200 in airline fee credits
    • Flights and prepaid hotels booked through Amex Travel earn 5x points per dollar spent
    • 35% points rebate on flights with your selected qualifying airline booked through Amex Travel
    • Global Entry or TSA PreCheck fee statement credit
    • Hotel elite status with Marriott Bonvoy and Hilton Honors upon enrollment

    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.

    No Annual Fee and Large Welcome Bonus Option

    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. Ink Business Unlimited® Credit Card (Best No Annual Fee Card)

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    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.

    Learn More(at Chase's secure site)

    Ink Business Cash® 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.
    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $900
    $900
    $0
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    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®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    With 1.5% cash-back on every purchase your business makes, including advertising, this no-annual-fee credit card is worthy of consideration. Also, enjoy 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter.

    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.

    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. 

    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.

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