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What are the best business credit cards for advertising? Almost every business has an advertising budget. Just like you care about the cost-per-click and the number of impressions for your advertising campaigns, you might be overlooking this return on investment factor, credit card rewards points. You don’t advertise on just any platform, so why wouldn’t you use the best business credit card to put advertising spending on?
If you currently only earn 1 point per $1 spent on advertising, these small business credit cards are a must for your business.
Best Business Credit Cards for Advertising Spending
- Ink Business Preferred® Credit Card – Earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening
- Capital One® Spark® Miles for Business – Earn 50,000 miles after spending $4,500 in the first 3 months
- Ink Cash vs Ink Unlimited – No Annual Fee Business Cards
Chase Ink Business Preferred
The Ink Business Preferred® Credit Card earns 3x Ultimate Rewards points on your social media and search engine advertising. In fact, you will also earn 3x points in combined spending on the following purchase types:
- Advertising purchases including search engine and social media advertising
- Shipping purchases
- Travel purchases
- Internet, cable, and phone services
After you reach $150,000 in annual spending on the combined purchases listed above, your remaining purchases continue to earn 1 point per $1. You will always earn 1 point per $1 on all non-bonus spending.
The Ink Business Preferred costs $95 a year and you can redeem your rewards points for cash statement credits, gift cards, or award travel.
Redeeming your points for award travel with the Chase Ultimate Rewards travel portal is the most valuable option as your points are worth 1.25 cents each that make 10,000 points worth $125; your Chase points are only worth 1 cent each with the other redemption options making the same 10,000 points only worth $100.
What’s even more valuable than the 25% travel redemption bonus is transferring your Ultimate Rewards points directly to your favorite airline or hotel loyalty program on a 1:1 basis where your points can be worth at least 2 cents each making 10,000 points worth $200 or more.
If you travel on a routine basis, you might find more value in the 1:1 point transfer option if you book travel with:
- Southwest Airlines
These are only five of the 13 Chase Ultimate Rewards travel partners. You can transfer to all of them in 1,000 point increments.
By maxing out the $150,000 annual limit with your business purchases, you can earn 450,000 Chase Ultimate Rewards points that are worth at least $5,625 in award travel.
Earn a $1,250 Bonus From Your Advertising Spending
As a new Ink Business Preferred Credit Card member, you also have the opportunity to earn the most valuable Chase Ultimate Rewards sign-up bonus by earning 100,000 bonus points when you spend $15,000 in the first 3 months. This bonus is worth $1,250 in award travel in addition to the regular purchase rewards you earn.
Pool Your Personal Credit Card Rewards to Achieve Award Travel Sooner
If you also own a personal Chase credit card that earns Ultimate Rewards points like the Chase Sapphire Preferred or Chase Freedom Unlimited, you can combine your Ultimate Rewards points together to book your next award ticket sooner.
If you own the Chase Freedom Unlimited® that earns up to 5% cashback. Those points receive the 25% travel redemption bonus when redeemed through your Ink Business Preferred. You can also transfer your points on a 1:1 basis too as only the Ink Business Preferred, Sapphire Preferred, and Sapphire Reserve has this option.
Additional Cell Phone Protection Benefits
In addition to the 3x purchase rewards on your cell phone service, you can also get automatic cell phone protection from Chase too. If a company cell phone is damaged or stolen, Chase will reimburse up to $600 in costs after you pay a $100 deductible. This benefit can be used three times in a 12-month period to cover multiple employees if necessary.
American Express Blue Business Cash Card
If you prefer a business credit card without an annual fee (See Rates & Fees) that earns cash back, the American Express Blue Business Cash™ Card (formerly known as the American Express SimplyCash Plus Business) earns 2% cash back on all eligible purchases, up to $50,000 per calendar year.
After that, you’ll earn 1% cash back. All of the cash back you earn is credited to your statement automatically.
Plus, if you’re a new cardholder, you can earn up to $300 back to boost your business. You’ll earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign, or FedEx after you make an eligible purchase on your card within the first 3 months of account opening.
It also comes with Expanded Buying Power§ which gives cardholders the ability to spend beyond their credit limit. While the amount you are able to spend is not unlimited, it can be improved should you need it.
The amount will adjust with your usage of the card, your history regarding payments, your credit record, and your financial resources that American Express is able to review. Amex may have other factors that they consider, depending on the application.
The American Express Blue Business Cash Card might be a better option if you advertise on other digital platforms besides social media and search engines. It’s a good alternative if you prefer to focus on non-online media providers as well. You won’t have to pay an annual fee which makes this card an easy addition to your wallet, even if you only use it for advertising and the 2% cash back.
Capital One Spark Miles for Business
The information for the Capital One® Spark® Cash for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
One final recommendation is if you prefer a flat rewards card that earns the same number of points on every dollar spent regardless of what you buy. If that’s the case, the Capital One® Spark® Miles for Business earns an unlimited 2 miles per $1.
You can choose between the Spark Miles or the Capital One® Spark® Cash for Business for $95 per year, although the annual fee is waived the first year. The Spark Miles is the business card version of the Capital One® Venture® Rewards Credit Card where you always earn 2 miles per $1. Each mile is worth 1 cent each and can be redeemed for award travel through Capital One or as a travel statement credit.
If you’re okay with only earn 1.5 miles per $1, the Capital One® Spark® Miles Select for Business and the Capital One® Spark® Cash Select for Business don’t charge an annual fee.
While these four options aren’t as flexible as the Chase Ink Business Preferred, you might benefit more from the straightforward reward if your business and advertising spending don’t exactly benefit from a tiered rewards program.
The information for the Capital One® Spark® Miles for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The information for the Capital One® Spark® Miles Select for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The information for the Capital One® Spark® Cash Select for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Summary of the Best Business Credit Cards for Advertising Spending
These three options will help you earn more on your advertising spending than you currently do. Picking the right credit card helps you know you make every business purchase count to grow your brand while making every dollar count.
For rates and fees of the American Express Blue Business Cash Card, please click here.
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.