Best Credit Cards for Google, Facebook and Other Ad Spend

Businesses with big marketing budgets can earn anywhere from 2x to 5x for every dollar spent on advertising. The best card for you will match where your ad spend goes and offer rewards your business values.

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Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%-5%

Cashback

Intro offer
$750

on Chase's website

Rates & Fees

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%-5%

Cashback

Intro offer
$750

on Chase's website

Rates & Fees

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Capital One's website

Rates & Fees

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-5x

Points

Intro offer
100,000

Points

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-5x

Points

Intro offer
100,000

Points

on Chase's website

Rates & Fees

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Rates & Fees

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Rates & Fees

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
Up to 400K Miles

Miles

Clock icon Limited Time Offer

on Capital One's website

Rates & Fees

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
Up to 400K Miles

Miles

Clock icon Limited Time Offer

on Capital One's website

Rates & Fees

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Rates & Fees

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Rates & Fees

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$750

on Chase's website

Rates & Fees

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$750

on Chase's website

Rates & Fees

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$500

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$500

on Ramp's website

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

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Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
Capital One Spark Cash Plus

Capital One Spark Cash Plus

Unlimited cash back on all advertising spend

$150

2%-5%

Cashback

$2,000

with no personal Credit Score impact

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
The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

Cash back on all advertising spend with no annual fee

$0

1%-2%

Cashback

$250

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
Chase Ink Business Preferred Credit Card

Ink Business Preferred® Credit Card

Online advertising (search engine and social media)

$95

1x-5x

Points

100,000

Points

on Chase's website

Rates & Fees

Pros

  • New cardholder bonus offer
  • Transfer partners

Cons

  • Does not include lounge access or travel credits
American Express® Business Gold Card

American Express® Business Gold Card

Online, TV and radio advertising

$375

1x-4x

Points

100,000

Points

on American Express' website

Rates & Fees

Pros

  • Transfer partners
  • New cardholder bonus offer
  • High reward rate in bonus categories

Cons

  • High annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
New! Southwest Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

Airline card for online advertising (search engine and social media)

$299

1x-4x

Points

80,000

Points

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
Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

Airline card for online, TV and radio advertising

$0 intro for the first year, then $150

1x-2x

Miles

60,000

Miles

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
Wyndham Rewards Earner Business Credit Card

Wyndham Rewards® Earner℠ Business Credit Card

Hotel card for ad spend

$95

1x-8x

Points

45,000

Points

Pros

  • New cardholder bonus offer
  • High rewards rate
  • Annual bonus award
  • Automatic elite status

Cons

  • Rewards have limited flexibility
  • No free anniversary night
Credit card
Credit card
Best for
Best for
NerdWallet rating
NerdWallet rating
Annual fee
Annual fee
Rewards rate
Rewards rate
Intro offer
Intro offer
Learn more
Learn more
Capital One Spark Cash Plus

Capital One Spark Cash Plus

Unlimited cash back on all advertising spend

$150

2%-5%

Cashback

$2,000

with no personal Credit Score impact

Rates & Fees

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

Cash back on all advertising spend with no annual fee

$0

1%-2%

Cashback

$250

on American Express' website

Rates & Fees

Chase Ink Business Preferred Credit Card

Ink Business Preferred® Credit Card

Online advertising (search engine and social media)

$95

1x-5x

Points

100,000

Points

on Chase's website

Rates & Fees

American Express® Business Gold Card

American Express® Business Gold Card

Online, TV and radio advertising

$375

1x-4x

Points

100,000

Points

on American Express' website

Rates & Fees

New! Southwest Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

Airline card for online advertising (search engine and social media)

$299

1x-4x

Points

80,000

Points

on Chase's website

Rates & Fees

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

Airline card for online, TV and radio advertising

$0 intro for the first year, then $150

1x-2x

Miles

60,000

Miles

on American Express' website

Rates & Fees

Wyndham Rewards Earner Business Credit Card

Wyndham Rewards® Earner℠ Business Credit Card

Hotel card for ad spend

$95

1x-8x

Points

45,000

Points

Capital One Spark Cash Plus

Best for Unlimited cash back on all advertising spend

Close
Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

with no personal Credit Score impact

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

The American Express Blue Business Cash™ Card

Best for Cash back on all advertising spend with no annual fee

Close
Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

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

Ink Business Preferred® Credit Card

Best for Online advertising (search engine and social media)

Close
Annual fee
$95

Rewards rate
1x-5x

Points

Intro offer
100,000

Points

on Chase's website

Rates & Fees

Pros

  • New cardholder bonus offer
  • Transfer partners

Cons

  • Does not include lounge access or travel credits

American Express® Business Gold Card

Best for Online, TV and radio advertising

Close
Annual fee
$375

Rewards rate
1x-4x

Points

Intro offer
100,000

Points

on American Express' website

Rates & Fees

Pros

  • Transfer partners
  • New cardholder bonus offer
  • High reward rate in bonus categories

Cons

  • High annual fee
  • Complicated rewards
  • Spending caps on bonus rewards

Southwest® Rapid Rewards® Performance Business Credit Card

Best for Airline card for online advertising (search engine and social media)

Close
Annual fee
$299

Rewards rate
1x-4x

Points

Intro offer
80,000

Points

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

Delta SkyMiles® Gold Business American Express Card

Best for Airline card for online, TV and radio advertising

Close
Annual fee
$0 intro for the first year, then $150

Rewards rate
1x-2x

Miles

Intro offer
60,000

Miles

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

Wyndham Rewards® Earner℠ Business Credit Card

Best for Hotel card for ad spend

Close
Annual fee
$95

Rewards rate
1x-8x

Points

Intro offer
45,000

Points

Pros

  • New cardholder bonus offer
  • High rewards rate
  • Annual bonus award
  • Automatic elite status

Cons

  • Rewards have limited flexibility
  • No free anniversary night
Sort by:

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

with no personal Credit Score impact

Rates & Fees

Capital One Spark Cash Plus

Best for Unlimited cash back on all advertising spend

Best for Unlimited cash back on all advertising spend

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

with no personal Credit Score impact

Rates & Fees

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

on American Express' website

Rates & Fees

The American Express Blue Business Cash™ Card

Best for Cash back on all advertising spend with no annual fee

Best for Cash back on all advertising spend with no annual fee

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Online advertising (search engine and social media)

Annual fee
$95

Rewards rate
1x-5x

Points

Intro offer
100,000

Points

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Online advertising (search engine and social media)

Best for Online advertising (search engine and social media)

Annual fee
$95

Rewards rate
1x-5x

Points

Intro offer
100,000

Points

on Chase's website

Rates & Fees

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

on American Express' website

Rates & Fees

American Express® Business Gold Card

Best for Online, TV and radio advertising

Best for Online, TV and radio advertising

Annual fee
$375

Rewards rate
1x-4x

Points

Intro offer
100,000

Points

on American Express' website

Rates & Fees

Southwest® Rapid Rewards® Performance Business Credit Card

Best for Airline card for online advertising (search engine and social media)

Annual fee
$299

Rewards rate
1x-4x

Points

Intro offer
80,000

Points

on Chase's website

Rates & Fees

Southwest® Rapid Rewards® Performance Business Credit Card

Best for Airline card for online advertising (search engine and social media)

Best for Airline card for online advertising (search engine and social media)

Annual fee
$299

Rewards rate
1x-4x

Points

Intro offer
80,000

Points

on Chase's website

Rates & Fees

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

on American Express' website

Rates & Fees

Delta SkyMiles® Gold Business American Express Card

Best for Airline card for online, TV and radio advertising

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

on American Express' website

Rates & Fees

Wyndham Rewards® Earner℠ Business Credit Card

Best for Hotel card for ad spend

Annual fee
$95

Rewards rate
1x-8x

Points

Intro offer
45,000

Points

Wyndham Rewards® Earner℠ Business Credit Card

Best for Hotel card for ad spend

Best for Hotel card for ad spend

Annual fee
$95

Rewards rate
1x-8x

Points

Intro offer
45,000

Points

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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 .) 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.
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 November 14, 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.