If your small business puts a lot of money into online advertising, you deserve some rewards – and not just from the new customers who might find you through your Google and Facebook ads. These credit cards can help you earn cash back, points or miles as you promote your business.
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If your small business puts a lot of money into online advertising, you deserve some rewards for your efforts – and not just from the new customers who might find you through your Google and Facebook ads. The best credit cards for online advertising reward small businesses that use their cards for advertising costs by offering perks ranging from bonus category reward points to travel benefits.
There are a lot of great business credit cards out there, but which one is best for advertising? Here are six of the best credit cards for advertising spend, including cash back credit cards, travel credit cards, premium credit cards and credit cards designed to benefit growing startups.
American Express Business Gold Card: Best for businesses with high ad spend
If online advertising is consistently one of your top two business spending categories, consider the American Express Business Gold Card. The Business Gold Card offers 4 Membership Rewards points per dollar on the two select spending categories in which your business spends the most money per billing cycle (for the first $150,000 in combined purchases annually, then 1 point per dollar), including U.S. purchases for online, TV and radio advertising. If you put a lot of online advertisement spending on credit cards every month, you can maximize your rewards with the Business Gold Card.
Ink Business Preferred Card: Best for a flexible rewards redemption program
The Chase Ink Business Preferred Credit Card offers 3 points per dollar on select business spending categories (for the first $150,000 in combined purchases annually), including advertising purchases made with social media sites and search engines – but that isn’t the only reason the Ink Business Preferred is one of the best cards for online advertising.
Small business owners who use the Ink Business Preferred card to earn points on ad spending will be able to redeem those points through Chase Ultimate Rewards, one of the best rewards redemption programs in the industry. Chase credit cards also offer some of the best credit card sign-up bonuses, giving you even more points to redeem through Ultimate Rewards.
Capital One Spark Cash for Business: Best for flat-rate cash back
Want to earn industry-leading cash back rewards on every purchase? The Capital One Spark Cash for Business offers unlimited 2% cash back on all purchases – making it not only an excellent credit card for advertising, but also one of the best cash back cards available. If your business is currently growing its online advertising spend but hasn’t yet made online ads a top spending category, the Capital One Spark Cash is a good way to ensure you’re earning top-level rewards no matter where your business spends its money that month.
Delta SkyMiles Gold Business American Express Card: Best for businesses that use Delta as their primary airline
If you regularly fly Delta, there’s only one business credit card for advertising to consider – the Delta SkyMiles® Gold Business American Express Card. Earn 2 Delta SkyMiles per dollar on U.S. purchases for advertising in select media, then redeem those SkyMiles for free flights, seat upgrades and more. Plus, you’ll be able to take advantage of additional Delta perks, such as priority boarding, first checked bag free and an annual $100 Delta flight voucher that you can earn after spending $10,000 in a calendar year.
The Business Platinum Card from American Express: Best for luxury travel rewards
Want to take your travel rewards to the next level? The Business Platinum Card from American Express is a premium credit card that offers luxury travel benefits – but only if you are ready to invest in the card and its perks. In exchange for a $695 annual fee, you can take advantage of a $200 airline fee credit, complimentary airport lounge access, a TSA PreCheck/Global Entry application credit and more.
The Business Platinum Card doesn’t directly reward online advertising spending, but it does offer 1.5 Membership Rewards points per dollar on eligible purchases of $5,000 and above, and on eligible purchases in key business categories (on up to $2 million of these purchases per calendar year) – so if you’re putting high-level spending toward ads and want to receive high-level travel rewards in return, the Business Platinum Card could be the way to go.
Brex 30 Card: Best for startups
Has your small business grown beyond what the typical business credit card can offer? It might be time to invest in a corporate credit card. If your small business or startup is registered as a corporation and meets the minimum financial requirements to apply, the Brex 30 Card is one of your best bets. You’ll earn rewards on every purchase, including online advertising purchases, and be able to access startup-friendly benefits, such as built-in expense management tools, automatic receipt-matching and virtual credit cards for you and your team.
Comparing online advertising spend cards
|Card name||Rewards rate||Annual fee||Best for|
|American Express® Business Gold Card||$295||Small business owners who consistently spend more on online advertising than any other business category|
|Ink Business Preferred® Credit Card||$95||Small business owners who want to take advantage of Chase Ultimate Rewards|
|Capital One Spark Cash for Business||$95 (waived the first year)||Small business owners who want to earn top-level cash back rewards on every purchase|
|Delta SkyMiles® Gold Business American Express Card||$99 ($0 intro for the first year)||Small business owners who use Delta as their primary airline|
|The Business Platinum Card® from American Express||$695||Small business owners who want luxury travel benefits from a premium card|
|Brex 30 Card||$0||Small business owners and startup founders whose businesses have grown to the point where they can benefit from a corporate credit card|
The best credit cards for online advertising not only reward your business for spending money on ads, but also provide additional benefits, such as a flexible rewards redemption system, priority boarding on a favorite airline or complimentary airport lounge access. Knowing which benefits are best for your business will help you choose the best option for your growing company – and as you continue to invest in online ads, you might see both your card rewards and your customer base grow.
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