Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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. That means the best card for Google ad spend or Facebook may not be as good for TV or radio ads.
Look for a card that rewards where your ad dollars go and offers flexible redemption options, like cash back or transferable travel points. A hotel card that offers 5x points on advertising spend is less valuable if you never stay with that hotel brand, for example. A general cash back or travel card, on the other hand, lets you keep the full value of the extra rewards you earn on ad spend.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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. That means the best card for Google ad spend or Facebook may not be as good for TV or radio ads.
Look for a card that rewards where your ad dollars go and offers flexible redemption options, like cash back or transferable travel points. A hotel card that offers 5x points on advertising spend is less valuable if you never stay with that hotel brand, for example. A general cash back or travel card, on the other hand, lets you keep the full value of the extra rewards you earn on ad spend.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best cards for Google, Facebook and other ad spend
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Online advertising (search engine and social media) Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Online, TV and radio advertising American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.6/5 | $375 | 1x-4x Points | 100,000 Points ⏱️ New elevated offer | Apply now on American Express' website Rates & Fees |
Airline card for online, TV and radio advertising Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 intro for the first year, then $150 | 1x-2x Miles | 60,000 Miles | Apply now on American Express' website Rates & Fees |
Airline card for online advertising (search engine and social media) Southwest® Rapid Rewards® Performance Business Credit Card Apply now on Chase's website | 4.8/5 | $199 | 1x-4x Points | 80,000 Points | Apply now on Chase's website |
Hotel card for ad spend Wyndham Rewards® Earner℠ Business Credit Card | 4.0/5 | $95 | 1x-8x Points | 40,000 Points | |
Cash back on all advertising spend with no annual fee The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Unlimited cash back on all advertising spend Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Online advertising (search engine and social media) Ink Business Preferred® Credit Card Apply now on Chase's website | 4.7/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Online, TV and radio advertising American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.6/5 | $375 | 1x-4x Points | 100,000 Points ⏱️ New elevated offer | Apply now on American Express' website Rates & Fees |
Airline card for online, TV and radio advertising Delta SkyMiles® Gold Business American Express Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 intro for the first year, then $150 | 1x-2x Miles | 60,000 Miles | Apply now on American Express' website Rates & Fees |
Airline card for online advertising (search engine and social media) Southwest® Rapid Rewards® Performance Business Credit Card Apply now on Chase's website | 4.8/5 | $199 | 1x-4x Points | 80,000 Points | Apply now on Chase's website |
Hotel card for ad spend Wyndham Rewards® Earner℠ Business Credit Card | 4.0/5 | $95 | 1x-8x Points | 40,000 Points | |
Cash back on all advertising spend with no annual fee The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.7/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Unlimited cash back on all advertising spend Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Online advertising (search engine and social media)
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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 Travel℠
- 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
Our pick for
Online, TV and radio advertising
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
⏱️ New elevated offer
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
Our pick 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
Pros
- Free checked bag
- Early boarding
- Bonus categories
Cons
- Has annual fee
- Limited redemptions
- Requires good/excellent credit
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
View Rates & Fees
Our pick for
Airline card for online advertising (search engine and social media)
Southwest® Rapid Rewards® Performance Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points
Pros
- High rewards rate
- Anniversary perk
- No reward caps
Cons
- High annual fee
- Rewards have limited flexibility
Annual fee
$199
Rewards rate
1x-4x Points
Intro offer
80,000 Points
Pros
- High rewards rate
- Anniversary perk
- No reward caps
Cons
- High annual fee
- Rewards have limited flexibility
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car rental partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Member FDIC
Our pick for
Hotel card for ad spend
Wyndham Rewards® Earner℠ Business Credit Card
Annual fee
$95
Rewards rate
1x-8x Points
Intro offer
40,000 Points
Pros
- Anniversary perk
- New cardholder bonus offer
- High rewards rate
Cons
- Has annual fee
- Rewards have limited flexibility
- Earn 40,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 40,000 bonus points after spending $15,000 on purchases within the first 365 days
- Earn 8 points per $1 spent on on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases
- Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments)
- Automatically receive DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
- Receive 15,000 bonus points each anniversary year
- Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more
- Complimentary Employee Cards offer more control over business expenses by adding employees to the account at no additional cost
- Extended Warranty protection helps manage, use, and extend the warranties for eligible item purchases
View Rates & Fees
Our pick for
Cash back on all advertising spend with no annual fee
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Unlimited cash back on all advertising spend
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Online advertising (search engine and social media)
These cards earn bonus points for Google ad spend, as well as money spent on Facebook and Instagram ads. Amazon pay-per-click advertising also qualifies for bonus points.
NerdWallet star rating:
4.7
The
Ink Business Preferred® Credit Card
is one of the best business travel cards and earns 3 points for every $1 spent (up to $150,000 combined) in a handful of business-friendly categories, including advertising purchases with social media sites and search engines. Other eligible bonus categories include travel, shipping and internet, cable and telephone services. The Ink Business Preferred® Credit Card
also has one of the best welcome offers on the market: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Online, TV and radio advertising
Earn bonus points on online advertising — including Google, Facebook and Amazon — as well TV ads and radio spots and sponsorships, with these options.
NerdWallet star rating:
4.6
With the
American Express® Business Gold Card
, your bonus points apply to your highest spend areas, including online, television and radio advertising purchases: Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Terms Apply.
Other eligible categories include airfare, software, gas stations, restaurants and shipping. There’s a $375
annual fee, which is higher than any of the other cards on this list. 🤓 Nerdy Tip
Google, Facebook and Amazon ads are covered under online advertising with the AmEx Business Gold.Cash back on all advertising spend
Earn up to 2% cash back on all your spending, including advertisements and direct marketing, with a flat-rate cash back business credit card.
NerdWallet star rating:
4.7
The American Express Blue Business Cash™ Card
doesn’t offer bonus points for ad spending; instead, cardholders earn 2% cash back on the first $50,000 spent each year. But unlike the other options on this this list, the Blue Business Cash doesn't have an annual fee. It also comes with a generous intro APR period, making it one of the best cash-back cards for businesses.NerdWallet star rating:
5
The
Capital One Spark Cash Plus
is another option that doesn’t pony up specifically for advertising spend, but instead offers a high cash-back rate (2
%) — and with no caps on how much you can earn. The Spark Cash Plus also rewards heavy spenders with a lucrative welcome offer: Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
Plus, your annual fee is refunded if you spend $150,000 in a given year. The Spark Cash Plus is a charge card, so you won’t accrue interest, but you need to pay your balance in full each month. (See rates and fees.) Hotel and airline cards for ad spend
These branded hotel and airline cards earn 2x to 5x points on advertising spend, with no cap on how many bonus points you can earn. But rewards lose value if you don't fly or stay with that brand.
NerdWallet star rating:
4.7
Frequent flyers can earn 2 miles per $1 spent on online, television and radio advertising with the Delta SkyMiles Gold business card with a cap of $50,000 in eligible purchases per category, per year. Bonus points also apply to restaurants, shipping and money spent with Delta airlines. Other perks on this airline business card include free checked bags, priority boarding and an annual flight credit (terms apply). There’s a $
150
annual fee, which is waived for the first year.NerdWallet star rating:
4.8
The
Southwest® Rapid Rewards® Performance Business Credit Card
has a high annual fee ($199
) but a lot of included perks, including 2 points per $1 spent on social media and search engine advertising. You also earn 4x points on Southwest purchases and 3x points on Rapid Rewards® hotel and car rental partners. There’s also a big welcome bonus, anniversary perks and a statement credit for Global Entry or TSA Precheck. Unlike other business cards, there is no cap on how many points you can earn in a given bonus category.NerdWallet star rating:
4
The
Wyndham Rewards® Earner℠ Business Credit Card
offers an impressive 5 points per $1 spent on marketing, advertising and utilities. You’ll also earn 8 points per $1 spent on Wyndham hotel stays and on gas. This hotel business card is best for Wyndham loyalists, though, since your rewards have the most value when redeemed for free or discounted nights at the chain’s properties.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 or 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 general 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.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, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.
