Best Business Credit Cards for Online Advertising
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In a recent survey, 58% of small business owners said they advertise online. My business is one of them. My digital marketing efforts a few years ago led me to look for a business credit card that paid higher rewards for online advertising. In this article, I’ll list what I believe to be the best business credit cards for online advertising, along with a complete list from our database.
We’ll look at credit cards that pay elevated rewards specifically on digital marketing, such as with Google Adwords, Facebook Twitter, and Instagram. We’ll also look at cards that pay an excellent flat rate that a company could use for their advertising budget.
Side-by-Side Comparison
Business Card
Digital Marketing Rewards
Annual Fee
Up to 2% cash back
$0 intro annual fee the first year, $95 thereafter
Up to 2x miles (Terms Apply)
$0 introductory annual fee for the first year, then $150
The Best Business Credit Cards for Online Advertising
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is the card I’ve used for our Google Adwords campaigns for the past two years. In addition to the incredible welcome offer, the 3 points per $1 spent is an excellent reward. There is an annual spending cap that applies to multiple categories, so keep that in mind.
Ink Business Preferred® Credit Card
Welcome Offer
Earn 90,000 bonus points
Est. Value
Up to $1,125
Annual Fee
$95
APR
21.24%-26.24% Variable
Credit Req’d
Excellent, Good
Online Advertising: Earn up to 3 points per $1 spent on advertising purchases made with social media sites and search engines. Spending caps apply.
Tip
If you redeem points for travel through Chase Travel(SM) using the Ink Business Preferred® Credit Card, you’ll receive a 25% bonus. This brings the value from 3 points per $1 spent to 3.75. Even better, transfer the points to the Chase Sapphire Reserve® and receive a 50% bonus when redeeming points for travel through Chase Travel(SM).
American Express® Business Gold Card
The American Express® Business Gold Card is also an excellent choice for your online advertising spend. We estimate that Amex Membership Rewards are worth 2 cents each, putting the 4x reward at the top of our list. Of course, the actual value will depend on how and when you redeem the points. While I prefer Chase Ultimate Rewards of the Amex point system, they are both good options.
American Express® Business Gold Card
Welcome Offer (Terms Apply)
Earn 100,000 Membership Rewards® points (Terms Apply)
Est. Value
Up to $2,000
Annual Fee
$375
APR
19.49% – 28.49% Variable
Credit Req’d
Excellent, Good
Online Advertising: Earn up 4X Membership Rewards on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. Earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). (Terms Apply)
Ink Business Premier® Credit Card
Here’s some inside baseball. The Ink Business Premier® Credit Card pays 2% cash back as its base rate. However, you get 2.5% back on all purchases of $5,000 or more. For this reason, I’ve set my payment threshold in Google Ads to more than $5,000 (in my case, it’s set to $9,000). Now, after maxing out the 3x from the Ink Business Preferred® Credit Card, I switch to this card and earn the next best thing, 2.5% cash back.
Our Rating: 4.7
Welcome Offer
Earn $1,000 bonus cash back
Annual Fee
$195
APR
Flex for Business variable APR: 19.49% – 27.49% Variable
Credit Req’d
Good, Excellent
Rewards: Earn up to 5% cash back on travel booked through Chase Travel(SM), 2.5% cash back on purchases of $5,000 or more, and 2% cash back on other eligible purchases.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card offers 2 points per $1 spent on social media and search engine advertising. Given the potential value of Hyatt points, this is an excellent option for advertising spend if you business requires travel and you stay at Hyatt hotels.
World of Hyatt Business Credit Card
Welcome Offer
60,000 Bonus Points
Est. Value
$1,020 to $1,275
Annual Fee
$199
APR
21.49% – 28.49% Variable
Credit Req’d
Excellent, Good
Online Advertising: Earn 2 points per $1 spent on social media & search engine advertising
U.S. Bank Business Leverage® Visa Signature® Card
The U.S. Bank Business Leverage® Visa Signature® Card is a simple cash back card that pays 2% cash back on the 2 categories where you spend the most. If one of these categories happens to be on advertising, this card is a solid option.
U.S. Bank Business Leverage® Visa Signature® Card
Welcome Offer
Earn $750 in rewards
Annual Fee
$0 intro annual fee the first year, $95 thereafter
APR
21.24% – 26.24% Variable
Credit Req’d
Good to Excellent 670 – 850
Online Advertising: Earn 2% back in the top two categories where you spend the most each month automatically.
Complete List of Business Cards with Advertising Rewards
Beyond our picks above of the best options, here are all of the business credit cards in our database that offer elevated rewards for digital marketing.
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-
Our Rating: 4.6
Annual Fee
$0 introductory annual fee for the first year, then $150
Reward Range
1x – 2x miles
-
Our Rating: 4.6
Annual Fee
$99
Reward Range
3x – 26x points
-
-
Our Rating: 4.5
Annual Fee
$199
Reward Range
1X to 4X points
-
Our Rating: 4.5
Annual Fee
$0 intro annual fee the first year, $95 thereafter
Reward Range
1% to 5% cash back
-
Other Business Credit Cards to Consider for Advertising Expenses
The are some business credit cards that offer a flat reward rate on all purchases. While these cards don’t offer an elevated rate specifically for digital marketing, the reward rate is still attractive. My personal favorite is the Capital One Spark Cash Plus. It pays a minimum of 2% cash back on all purchases. Here are your options from our database.
-
Our Rating: 2.5
Upromise® World Mastercard®
Welcome Offer (Terms Apply)
Earn $100 bonus cash back rewards
Annual Fee
$0
APR
20.24% to 29.99%
Rewards Range
1.25% to 1.529% cash back
-
Our Rating: 3.5
Bank of America® Travel Rewards Secured Credit Card
Welcome Offer (Terms Apply)
None
Annual Fee
$0
APR
29.24%
Rewards Range
1.5x points
-
Our Rating: 3.5
Ally Unlimited Cash Back Mastercard®
Welcome Offer (Terms Apply)
None
Annual Fee
$0
APR
26.99%
Rewards Range
2% cash back
-
Our Rating: 3.8
Rocket Visa Signature® Card
Welcome Offer (Terms Apply)
$200
Annual Fee
$0
APR
20.49% to 30.24%
Rewards Range
2% to 5% cash back
-
Our Rating: 3.9
American Heritage Platinum Preferred Mastercard®
Welcome Offer (Terms Apply)
15,000 ScoreCard Rewards Points
Annual Fee
$0
APR
9.99%
Rewards Range
1x points
-
Our Rating: 4.5
Wells Fargo Signify Business Cash(SM) Card
Welcome Offer (Terms Apply)
$500
Annual Fee
$0
APR
18.49% to 26.49%
Rewards Range
2% cash back
-
Our Rating: 4.5
Bank of America® Travel Rewards Credit Card for Students
Welcome Offer (Terms Apply)
Earn 25,000 online bonus points
Annual Fee
$0
APR
18.24% – 28.24%
Rewards Range
1.5x points
-
Our Rating: 4.0
Schwab Investor Card® from American Express
Welcome Offer (Terms Apply)
$200
Annual Fee
$0
APR
19.24% to 22.24%
Rewards Range
1.5% cash back
-
Our Rating: 3.8
Truist Enjoy Cash Credit Card
Welcome Offer (Terms Apply)
None
Annual Fee
$0
APR
18.49% – 27.49%
Rewards Range
1% to 3% cash back
-
Our Rating: 3.2
Eastern Bank Business Real Rewards Card
Welcome Offer (Terms Apply)
Earn 2,500 bonus rewards points
Annual Fee
$0
APR
19.24% to 28.24%
Rewards Range
1.5x points
Bottom Line
If your business spends a significant amount on advertising, it pays to use the right credit card. My business has earned thousands of dollars in rewards in the past two years from its Google Adwords spend. One of the above credit cards should help you get the most out of your advertising expenses.
If you still haven’t found the right card for your business, check out our list of the best business credit cards.