Businesses with big marketing budgets can earn anywhere from 2x to 5x rewards for every dollar spent on advertising. While some business credit cards dole out bonuses for all spend, others limit the extras to online advertising or other media. The best card for you will not only reward where your ad dollars go — Google, Facebook, TV or radio — but also offer the type of rewards your business values most.
Best business credit cards for advertising
- American Express® Business Gold Card: Best for online, TV and radio advertising.
- Capital One Spark Cash Plus: Best for unlimited cash back on all advertising spend.
- Delta SkyMiles® Gold Business American Express Card: Best airline card for online, TV and radio advertising.
- Ink Business Preferred® Credit Card: Best for online advertising (search engine and social media).
- Southwest® Rapid Rewards® Performance Business Credit Card: Best airline card for online advertising (search engine and social media).
- The American Express Blue Business Cash™ Card: Best for cash back on all advertising spend with no annual fee.
- Wyndham Rewards® Earner℠ Business Credit Card: Best for hotel card for ad spend.
All of our picks for best business cards for advertising are chosen by our editorial team without outside input. The cards highlighted below are also available from our partners.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Businesses with big marketing budgets can earn anywhere from 2x to 5x rewards for every dollar spent on advertising. While some business credit cards dole out bonuses for all spend, others limit the extras to online advertising or other media. The best card for you will not only reward where your ad dollars go — Google, Facebook, TV or radio — but also offer the type of rewards your business values most.
Best business credit cards for advertising
- American Express® Business Gold Card: Best for online, TV and radio advertising.
- Capital One Spark Cash Plus: Best for unlimited cash back on all advertising spend.
- Delta SkyMiles® Gold Business American Express Card: Best airline card for online, TV and radio advertising.
- Ink Business Preferred® Credit Card: Best for online advertising (search engine and social media).
- Southwest® Rapid Rewards® Performance Business Credit Card: Best airline card for online advertising (search engine and social media).
- The American Express Blue Business Cash™ Card: Best for cash back on all advertising spend with no annual fee.
- Wyndham Rewards® Earner℠ Business Credit Card: Best for hotel card for ad spend.
All of our picks for best business cards for advertising are chosen by our editorial team without outside input. The cards highlighted below are also available from our partners.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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Here are the best cards for Google, Facebook and other ad spend
Here are the best cards for Google, Facebook and other ad spend
Sort By
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Best for Online advertising (search engine and social media)
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Online, TV and radio advertising
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Delta SkyMiles® Gold Business American Express Card
Best for Airline card for online, TV and radio advertising
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
60,000
Miles
Apply now
on American Express' website
Rates & Fees
Pros
- No annual fee for the first year
- New cardholder bonus offer
- Generous free checked bag benefit
- Early boarding
- Annual flight credit (terms apply)
Cons
- Limited reward redemption options
- Does not include lounge access or automatic elite status
Delta SkyMiles® Gold Business American Express Card
Best for Airline card for online, TV and radio advertising
Annual fee
$0 intro for the first year, then $150
Rewards rate
1x-2x
Miles
Intro offer
60,000
Miles
Apply now
on American Express' website
Rates & Fees
Pros
- No annual fee for the first year
- New cardholder bonus offer
- Generous free checked bag benefit
- Early boarding
- Annual flight credit (terms apply)
Cons
- Limited reward redemption options
- Does not include lounge access or automatic elite status
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Airline card for online advertising (search engine and social media)
Annual fee
$199
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
Southwest® Rapid Rewards® Performance Business Credit Card
Best for Airline card for online advertising (search engine and social media)
Annual fee
$199
Rewards rate
1x-4x
Points
Intro offer
80,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- Anniversary bonus points
- Credits for upgraded boarding, in-flight Wi-Fi
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
- Does not include lounge access
Annual fee
$95
Rewards rate
1x-8x
Points
Intro offer
50,000
Points
Pros
- New cardholder bonus offer
- High rewards rate
- Annual bonus award
- Automatic elite status
Cons
- Rewards have limited flexibility
- No free anniversary night
Wyndham Rewards® Earner℠ Business Credit Card
Best for Hotel card for ad spend
Annual fee
$95
Rewards rate
1x-8x
Points
Intro offer
50,000
Points
Pros
- New cardholder bonus offer
- High rewards rate
- Annual bonus award
- Automatic elite status
Cons
- Rewards have limited flexibility
- No free anniversary night
The American Express Blue Business Cash™ Card
Best for Cash back on all advertising spend with no annual fee
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for Cash back on all advertising spend with no annual fee
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for Unlimited cash back on all advertising spend
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
How to choose a business card for ad spend
There are three main factors to consider when determining the best business card for your advertising spend.
1. Where you advertise. Eligible advertising categories vary from one card to the next. If your business primarily spends on Google and Facebook ads, the
Ink Business Preferred® Credit Card
is a great option. If TV and radio spots are also part of your advertising mix, the American Express® Business Gold Card
might be a better fit (it gives bonus points for Google and Facebook ad spend as well).2. Your annual advertising budget. Many of the best cards for ads cap bonus points based on spending. For example, the
American Express® Business Gold Card
and Ink Business Preferred® Credit Card
both cap bonus points to the first $150,000 in combined spending across multiple eligible categories.Using a dedicated business card for your advertising spend can be a smart move if your business has a sizable advertising budget. If your business’s annual advertising budget exceeds $150,000, a combination of cards may be best to maximize rewards earned.
3. The card’s annual fee. Some of the best business cards for ad spend come with steep annual fees. The
American Express® Business Gold Card
, for example, has a $375
annual fee. While the card's welcome bonus can easily offset that fee the first year, you'll want to make sure the ongoing rewards outweigh the cost after that.4. Other business spending. Advertising is likely just one piece of your company’s budget. If you plan to use your card for more than ad spend, factor other expenses like travel, software and telecom services into your decision.
If your business spends equally across multiple different areas, a cash-back business card like
The American Express Blue Business Cash™ Card
or Capital One Spark Cash Plus
may be your best option. Both offer 2% back on all spending, but the Capital One Spark Cash Plus
doesn't cap how much you can earn. (See rates and fees.) The American Express Blue Business Cash™ Card
limits 2% back to the first $50,000 spent per year.Spend a lot on hotels or airfare? Take a closer look at branded cards, like the
Wyndham Rewards® Earner℠ Business Credit Card
or Southwest® Rapid Rewards® Performance Business Credit Card
. These cards give a rewards boost for advertising spend, but offer even higher rewards for flights or hotels purchased with the brand. And all those rewards you rack up can be redeemed for free stays or flights.» MORE: Best business travel cards
To view rates and fees of the
American Express® Business Gold Card
, see this page.To view rates and fees of the
Delta SkyMiles® Gold Business American Express Card
, see this page.To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.Last updated on May 13, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
