The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for high-spending small businesses
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.
We included credit cards with varying welcome points and cash bonuses.
Our list include cards of all budgets, ranging rom no annual fees to high annual fees.
We chose cards that feature impressive earning rates on advertising and other common business categories to help you maximize your rewards.
Our best advertising cards come with a list of redemption options from cash back to points and miles travel.
In addition to great earning rates and impressive welcome bonuses, our best advertising cards also offer primary rental car insurance and shopping protections.
Choosing the best credit card will vary based on the type of advertising your business does as well as what rewards you want. Typically, credit cards that offer bonus points on advertising are catered to online media. If the majority of your advertising is on social media or online, the 4 points per dollar earned each billing cycle (up to $150,000 in purchases per calendar year, then 1 point thereafter) on the American Express® Business Gold Card can be a great option for you. On the other hand, if your business typically purchases print advertising, a flat earning of 2% cash back (up to $50,000 in eligible purchases, then 1%) on The American Express Blue Business Cash® Card may be a better option.
Here are some of the main points to consider when choosing a credit card for advertising:
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.
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.
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.
Make the most of your business expenses with the best card for you
The American Express Business Gold Card is a standout choice as one of the best advertising 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 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.
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.
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| high-spending small businesses | As High As 200,000 points. Find Out Your Offer. | 1 - 4X points | $375 | Apply now at American Express's secure siteSee rates & fees | |
 Wyndham Rewards Earner® Business Card |
Best for high-spending small businesses
What's your favorite ad spend card — and why?
American Express® Business Gold Card“The top way I earn points is through online advertising spend on Amex Business Gold. I earn 600,000 Membership Rewards points — for $150,000 in spend — valued at $12,000 by TPG.”
Ink Business Preferred® Credit Card“I love earning 3 points per dollar on select purchases, including advertising, with my Ink Business Preferred. I spend a lot more on travel – which also earns 3 points per dollar – than advertising, but this is certainly a great card for businesses with eligible advertising spend.”
| social media ads |
| Earn 100,000 bonus points |
| 1 - 3X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| new businesses |
| As High As $500. Find Out Your Offer. |
| 1 - 2% cash-back |
| No annual fee |
| at American Express's secure siteSee rates & fees |
| Wyndham loyalists |
| 45,000 points |
| 1 - 8X points |
| $95 |
| Go to review |
| Rate | Category |
|---|---|
| 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 or the Amex Travel App™ using your Business Gold Card.* |
| 1X | Earn 1X on all other eligible purchases. |
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
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.
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.
Best for high-spending small businesses
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
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.
Best for social media ads
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our review of the Ink Business Preferred.
Best for social media ads
Best for new businesses
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.
Best for new businesses
Best for Wyndham loyalists
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.
Best for Wyndham loyalists
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Excellent to Good
| Rate | Category |
|---|---|
| 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! |
45,000 points
$95
21.24% - 29.99 (Variable)
670-850
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.
45,000 points
$95
21.24% - 29.99 (Variable)
670-850
Excellent/Good Credit
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.
Gabrielle Bernardini is the senior points and miles editor at TPG. Joining the team in 2023, she focuses on helping people utilize their credit card rewards to travel for less.
Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories on multiple cards.Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
| Rate | Category |
|---|---|
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
Earn 100,000 bonus points
$95
17.99% - 26.99% Variable
670-850
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our review of the Ink Business Preferred.
Earn 100,000 bonus points
$95
17.99% - 26.99% Variable
670-850
Good, Excellent
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our review of the Ink Business Preferred.
| Rate | Category |
|---|---|
| 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. |
As High As $500. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
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.
As High As $500. Find Out Your Offer.
No annual fee
16.99% - 28.74% Variable
Excellent to Good
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.
