Best credit cards for advertising of December 2025
If you run a small business, it’s critical to maximize your promotional expenditures with one of the best credit cards for advertising. In today’s digital world, you likely spend a decent amount of money each month on platforms like Facebook and Google to announce the launch of a new product or capture new business with sponsored ad placements. And while word-of-mouth advertising is great, sometimes you need that paid boost to garner more leads.
This is where one of our picks for the best credit cards for ad spend can come in handy. Whether you’re looking for a card to help you plan your next campaign or boost social engagement, our list has something to suit your business needs.
- American Express® Business Gold Card: Best for high-spending small businesses
- The American Express Blue Business Cash™ Card: Best for new businesses
- Wyndham Rewards Earner Business Card: Best for Wyndham loyalists
Browse by card categories
Comparing the best credit cards for ad spending
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | 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.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* |
| 1X | 1X is earned for other purchases. ** |
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our review of the Amex Business Gold Card.
Pros
- Choice of bonus categories.
- Possible bonus earning on flights.
Cons
- Minimal bonus categories.
- High annual fee.
- 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.*
- 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 comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 2% | Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year. |
| 1% | Earn 1% cash back on all eligible purchases thereafter. Cash back earned is automatically credited to your statement. |
For businesses just starting out, we get it: You want to minimize any costs while maximizing your expenses. This is why the American Express Blue Business Cash Card is the perfect fit — there’s no annual fee, and you’ll earn 2% back on the first $50,000 in eligible purchases per calendar year, then 1%. With this card, you’ll also have access to exclusive Amex Offers from useful businesses such as FedEx and Bloomberg.com to help you save money on business shopping, dining, travel and so much more. Enrollment required for select benefits. Read our review of the Amex Blue Business Cash.
Pros
- Bonus cash-back rate.
- No annual fee.
Cons
- Capped bonus earning.
- Foreign transaction fees.
- 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, 16.99% - 26.99%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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
Best for Wyndham loyalists
Wyndham Rewards Earner Business Card
Information updated as of 07/29/2024
| 8X | Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
| 5X | Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases. |
| 1X | Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation! |
Pros
- Automatic Wyndham Diamond status
- Go Free award nights cost 10% less
- 15,000 bonus points each anniversary year
Cons
- Points can only be redeemed through Wyndham
The Wyndham Rewards Earner® Business Card* is a solid small business credit card that features various perks, a welcome bonus and automatic Wyndham Diamond status. Its standout feature is elevated earnings for various business expenses like 5 points per dollar spent on eligible marketing, advertising and utility purchases as well as 8 points per dollar spent at hotels by Wyndham and qualifying gas purchases. If you’re a Wyndham loyalist who frequently spends on advertising and gas for your business, having the Wyndham Rewards Earner Business is a great way to get the most out of your spending.
Comparing the best credit cards for ad spending
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
at American Express's secure site | high-spending small businesses | Earn 100,000 points Open Intro bonus 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.* | 1 - 4X points Open Rewards rates
| $375 | ||||||
at American Express's secure site | new businesses | $250 statement credit Open Intro bonus Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. | 1 - 2% cash-back Open Rewards rates
| No annual fee | ||||||
Wyndham Rewards Earner Business Card * *The information about the Wyndham Rewards Earner Business Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Information updated as of 07/29/2024 | Wyndham loyalists | 45,000 points Open Intro bonus Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days. | 1 - 8X points Open Rewards rates
| $95 |
More details on the best credit cards for ad spending
The American Express® Business Gold Card is a solid choice for high-spending small businesses. Cardholders can leverage the flexibility of earning 4 points per dollar in the two categories where they spend the most money each billing cycle (up to $150,000 purchase limit annually, then 1 point after that). Therefore, if your company spends a lot on Facebook and Google ads, you’ll earn bonus points in that category.
The card is ideal for businesses that value simplicity above all due to its high earning rewards potential. For example, businesses that maximize the $150,000 annual purchase limit can earn at least 600,000 Membership Rewards points each year.
“No other card provides the earning potential and adaptability this card has. Sure, its annual fee isn’t cheap, but I love the fact I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories each billing cycle (up to $150,000 of these purchases yearly, then 1 point after that).” — Ryan Smith, former credit cards writer
The American Express Blue Business Cash™ Card offers no annual fee and allows cardholders to earn 2% cash back on all eligible purchases (up to $50,000 per calendar year, then 1% thereafter; see rates and fees) . This card is a better alternative for those prioritizing cash-back rewards on business ad spending over Membership Rewards points.
If you’re a business owner who wants to earn cash back on your company’s advertising purchases, The American Express Blue Business Cash™ Card is the ideal choice. Cardholders will receive 2% cash back on ad sales (up to $50,000 per calendar year), then 1% thereafter. With no annual fee, that is a great card for startups looking to spend on advertising.
For businesses just starting out, we get it: You want to minimize any costs on ad sales while maximizing your expenses. This is why this card is the perfect fit — there’s no annual fee, and you’ll earn cash back on eligible purchases.
“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (up to $50,000 each calendar year). That's a fantastic return of 4% based on TPG's valuation, making this a great option for your small business needs.” — Nick Ewen, director of content
The Capital One Spark Cash Plus offers 2% cash back on all purchases with no maximum annual cap. Though it does have an annual fee, this card has a solid sign-up bonus. Additionally, since this card has no preset spending limit, it can be beneficial to businesses wanting to spend a lot of money on advertising.
The card features high earning rates in popular business spend categories and offers automatic Diamond status making it a multi-tasking champ.
*The information for the Wyndham Rewards Earner® Business Card and Wyndham Rewards Earner Plus has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wyndham loyalists who own a small business would benefit from the perks offered by this card.
The Wyndham Rewards Earner Business card deserves a spot in any Wyndham loyalist’s wallet. It features generous rewards on everyday business expenses, automatic Diamond status and a reasonable annual fee.
If you like Wyndham properties but want a lower annual fee Wyndham card — don’t mind a card with less benefits — consider the Wyndham Rewards Earner® Plus Card.
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How to choose the best credit card for ad spending
- Go with a credit card that features a good sign-up bonus that you can earn. Sign-up bonuses are a large part of a card’s value and if you can’t achieve the spending threshold responsibly, you will be losing that value. In addition, choose a card that earns your preferred form of rewards currency - whether it’s points, miles or cash back.1Sign-up bonus
- Our best cards for advertising feature a range of annual fees, from no annual fees to high annual fees. With higher annual fees comes more premium rewards like shopping protection and travel car insurance but even our no annual fee cards feature great results.2Annual fee
- The best cards for advertising feature several business related bonus categories so that any small business can maximize their earning. If you’re looking for a card for advertising that also doubles as a solid business card, it is likely a card on this list will be a great fit for your wallet.3Bonus categories
Pros + cons of credit cards for ad spending
Pros
- Using an advertising credit card responsibly can help build your business and personal credit score
- Generally credit cards that earn points on advertising are business-orientated and help small businesses earn rewards on their spending
- Some advertising credit cards provide shopping protection and primary travel car rental insurance.
Cons
- Having an advertising credit card can encourage small business owners to overspend
- Carrying a balance on advertising credit cards can negatively impact your personal and business credit score
- The cost of borrowing on advertising credits cards are significantly higher than most business loans
Frequently asked questions
The American Express Business Gold Card is a standout choice as one of the best advertising credit cards due to its ability to earn 4 Amex Membership Rewards points per dollar on ad spending, which is a terrific 8% return based on TPG’s valuations. Plus, even if your business doesn’t spend much on ads in one month, you’ll still be able to earn 4 points per dollar on other popular bonus categories (up to the first $150,000 in combined spending each calendar year, then 1 point per dollar).
Additionally, the Amex Business Gold Card is not limited to online media advertising, which means you’ll also be able to earn Membership Rewards points on select television and radio, such as NBC National Broadcasting and CBS Radio.
The American Express Business Gold Card is the best credit card for Facebook ad spending because you’ll earn 4 Amex Membership Rewards points per dollar, with a purchase limit of $150,000 per calendar year, then 1 point per dollar. If you maximize your bonus point earning in this category, you can earn 600,000 Membership Rewards points annually, which TPG values at $12,000.
If you want to maximize your rewards through Google ad spending, the Ink Business Preferred® Credit Card is a solid choice to earn valuable Chase Ultimate Rewards points. Business owners will earn 3 points per dollar on their Google ad and social media advertising purchases (on the first $150,000 spent). Since TPG values Ultimate Rewards points at 2.05 cents apiece, that’s a 6.15% return.
Therefore, if you spend the full $150,000 on Google ads, in which you’ll earn 3 points per dollar, you’ll earn 450,000 Ultimate Rewards points each year, which TPG values at $9,000.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Online advertising with companies such as Facebook and Google has become an integral part of many business strategies, and luckily there are credit cards that reward spending within this category. If you have a large ad budget, you can spread out the cost over multiple credit cards and continue to bring in significant rewards.