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If you’ve got a business, new or old, big or small, you should consider getting a business credit card. Businesses need access to credit, and these specialized business credit cards can be a great way to fund purchases, manage spending and help save money over time. This guide will review the best business credit cards, broken down by categories. It will also explain how to maximize the benefits of each card.

Here are the Best Business Credit Cards of 2019:

 

Why Get a Small Business Credit Card?

A business credit card can help you maximize your purchases, separate your expenses and save money on interest each year. These credit cards offer bonus rewards on categories popular with businesses, such as office supplies, airfare, advertising and gas. In fact, business-specific bonus categories are one of the main ways that business credit cards differ from personal credit cards.

But you need to do your research before applying for a business credit card. Check out these TPG posts for information on how applying for new cards affects your credit score, what to know about credit scores, mistakes to avoid and more.

Requirements for Getting a Small Business Credit Card

If you own a small business or even if you just do freelance gigs, you could be eligible for a business credit card. You don’t necessarily need a tax ID or an employer identification number (EIN) to qualify for a business credit card; if you’re a sole proprietor with a small business or side gig, you can usually just enter your Social Security number instead.

Comparing the Best Business Credit Cards

Here’s how each of these cards stack up against each other. Note that for bonuses that have two spending tiers, we’re only factoring in the rewards you’d earn for meeting the first tier.

The Business Platinum® Card from American Express

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
Earn 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 in purchases in the first three months. Terms Apply. $1,000 $200 air travel credit, $250 Delta Sky Club and Centurion lounge access, $75 Priority Pass lounge membership without restaurant access, up to $200 in Dell statement credits each year, 1 year of WeWork Platinum Global access when you enroll between 2/15/2019 and 12/31/2019 ($2,700). Terms Apply. ($3,425 total) $595 $3,830

American Express® Business Gold Card

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
35,000 points after you spend $5,000 in purchases in the first 3 months. Terms Apply. $700 Up to 1 free year of both G Suite Basic for up to 3 users ($212) and ZipRecruiter Standard ($2,988). ($3,200 total) $295 $3,605

Ink Business Preferred Credit Card

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
80,000 points after you spend $5,000 in the first 3 months. $1,600 N/A $95 $1,505

Delta Reserve for Business Credit Card

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
80,000 miles and 5,000 MQMs after you spend $6,000 in purchases in the first 3 months. Terms Apply. $960 Delta Sky Club access ($545) $450 $1,055

CitiBusiness AAdvantage Platinum Select World Elite Mastercard

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
70,000 miles after you spend $4,000 in the first 4 months. $980 N/A $99* $980

Southwest Rapid Rewards Premier Business Credit Card

 

 

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
60,000 points after you spend $3,000 in the first 3 months. $900 6,000 points every year on your card member anniversary, worth $90 $99 $891

Gold Delta SkyMiles® Business Credit Card from American Express

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
70,000 miles after you spend $4,000 in purchases in the first 4 months. Get a $50 statement credit after you make a Delta purchase in the first 3 months. Terms Apply. $840 $50 statement credit after you make a Delta purchase in the first 3 months. $95* $890

Platinum Delta SkyMiles® Business Credit Card from American Express

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
80,000 miles and 5,000 MQMs after you spend $6,000 in purchases in the first 3 months. Get a $100 statement credit after you make a Delta purchase in the first 3 months. Terms Apply. $960 $100 statement credit after you make a Delta purchase in the first 3 months $195 $865

Capital One Spark Miles for Business

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
50,000 miles after you spend $4,500 in the first 3 months. $700 Global Entry/TSA PreCheck application fee credit (up to $100) $95* $800

Hilton Honors American Express Business Card

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
125,000 points after you spend $3,000 in purchases in the first 3 months. Terms Apply. $750 Priority Pass Select membership – 10 passes a year ($99) $95 $754

United Explorer Business Card

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
50,000 miles after you spend $3,000 in the first 3 months. $650 N/A $95* $650

Marriott Bonvoy Business™ American Express® Card

Bonus Offer Bonus Value** Perks Value Annual Fee Total Value
75,000 miles after you spend $3,000 in purchases in the first 3 months. Terms Apply. $600 N/A $125 $475

*Annual fee waived the first year.
**Bonus value is an estimated value calculated by TPG and not the card issuer.

Finding the Business Credit Card That Fits Your Business Needs

Here’s a detailed rundown of the best business credit cards, with each card’s standout benefits and why it could be worth it for your business.

The Business Platinum® Card from American Express

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Current Bonus: Earn 50,000 points after spending $10,000 in the first three months and an extra 25,000 points after spending another $10,000, both within the first three months from account opening.

Current Bonus Value: $1,000

Standout Benefits:

  • 5 points per dollar spent on airfare and on prepaid hotels booked through American Express Travel
  • 1.5 points per dollar on purchases of $5,000 or more (up to 1 million extra points per year) and 1 point per dollar on everything else.
  • Redeem points directly for first or business class, or for any seat on the airline of your choice, and get a 35% points rebate.
  • Access to Centurion and Priority Pass lounges, plus Delta Sky Clubs when you’re flying Delta.
  • $200 annual airline fee credit
  • Global Entry or TSA PreCheck application rebate (up to $100)
  • Up to $100 in statement credits between January and June and up to $100 in Dell statement credits between July and December for US purchases made on the card when enrolled.
  • A year of Platinum Global access from WeWork, which gets you into more than 300 premium workspaces in 75+ cities when you enroll by Dec. 31, 2019
  • No foreign transaction fees

Annual Fee: $595

Why it’s worth it: I’m still disappointed that the points rebate for flights booked through Amex Travel has dropped to 35%, but this remains a lucrative benefit, allowing you to get 1.54 cents per point in value when you redeem for airfare. With the 35% rebate, I can book my favorite premium domestic seat, JetBlue’s Mint, for fewer than 39,000 points one way. Like the personal Amex Platinum, the Business Platinum recently received some new benefits, including a 5x bonus category for airfare and prepaid hotels booked through Amex Travel. If your business can hit the steep spending requirements, the opportunity to earn up to 75,000 points is definitely worth considering. And if you’re a fan of the Hilton Honors or Marriott Bonvoy loyalty programs, the card comes with automatic Gold status.

Further Reading:

APPLY HERE: American Express Business Platinum Card

American Express® Business Gold Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Current Bonus: Earn 35,000 points after spending $5,000 in the first three months

Current Bonus Value: $700

Standout Benefits:

  • Earn 4x points on the first $150,000 spent each year (then 1x) on the 2 categories where you spend the most each month from the following categories:
    • Airfare purchased directly from airlines
    • US purchases for advertising in select media (online, TV, radio)
    • US purchases made directly from select technology providers of computer hardware, software, and cloud solutions
    • US purchases at gas stations
    • US purchases at restaurants
    • US purchases for shipping
  • 1 free year of both G Suite Basic and ZipRecruiter Standard
  • 25% Pay With Points rebate on airfare booked through Amex
  • No foreign transaction fees

Annual Fee: $295

Why it’s worth it: This card is a great option when it comes to points-earning opportunities, and now it offers a points-based welcome offer in addition to up to a free year of ZipRecruiter Standard and G Suite Basic. The ability to earn 4x points on your top two spending categories is great, and you have the flexibility to change your categories monthly, rather than being locked into a single category per quarter per year. If you max this out, you’d walk away with a whopping 600,000 Membership Rewards points with a TPG valuation of $12,000. It’s also great that Amex is offering a Pay With Points rebate on this card; previously, only the Business Platinum and Business Centurion had this perk (but at a 35% rate rather than 25% on this new card). The card comes with a baggage insurance plan, travel accident insurance, car rental loss and damage insurance and roadside assistance.

Further Reading:

APPLY HERE: American Express Business Gold Card

Chase Ink Business Preferred Credit Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Current bonus: Earn 80,000 points after spending $4,000 on the card in the first three months.

Current bonus value: $1,600

Standout benefits:

  • Earn 3 Ultimate Rewards points per dollar on the first $150,000 spent per year in combined purchases for travel (including airfare, hotels, rental cars, train tickets and taxis), shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines.
  • Cell phone insurance
  • Primary rental car insurance
  • Employee cards at no additional cost
  • No foreign transaction fees.

Annual Fee: $95

Why it’s worth it: Since TPG’s most recent valuations peg the value of Chase Ultimate Rewards points at 2 cents apiece, you’ll get a fantastic return of 6% on purchases in these categories. If you spend the full $150,000, you’ll take home 450,000 Ultimate Rewards points, which TPG values at $9,000. You also get great value out of Chase Ultimate Rewards points by transferring them to nine airline and three hotel loyalty programs. Plus the card gives you 25% more value for the points you earn when you redeem them for travel in the Ultimate Rewards portal.

The Ultimate Rewards program may not have the most transfer partners (it has nine airline and three hotel compared to Amex Membership Rewards’ 19, including new partner Qantas), but they can get you outsized value when you redeem points for free flights with carriers such as British Airways and United, or for award stays at Hyatt properties. And if you spend a lot on travel or social media advertising, you’ll be able to keep earning significant UR points after the sign-up bonus, thanks to the 3x bonus category for the first $150,000 in combined purchases made each year.

For the reasons outlined above, I consider this one of the top business credit cards currently available. The Ink Business Preferred can be an even more powerful tool if you also hold the Chase Sapphire Reserve, since you’ll then be able to redeem points for 1.5 cents apiece through the Ultimate Rewards portal for travel.

Further Reading:

APPLY HERE: Ink Business Preferred Credit Card

Delta Reserve for Business Credit Card

Delta’s Sky Club at Phoenix Sky Harbor International Airport (Photo courtesy of Delta Air Lines)

Current bonus: Earn 80,000 miles and 5,000 MQMs after you spend $6,000 in the first 3 months.

Current bonus value: $960

Standout benefits:

  • Delta Sky Club access when you fly Delta
  • Annual companion certificate for first class, Comfort+ or main cabin
  • Earn 2x miles on Delta purchases
  • Earn 15,000 MQMs and 15,000 redeemable miles after you spend $30,000 on the card in a calendar year; earn another 15,000 MQMs and 15,000 redeemable miles after you spend $60,000 on the card in a calendar year
  • No foreign transaction fees

Why it’s worth it: This is the top-of-the-line Delta business credit card, and it’s a solid option if you want access to Delta’s Sky Club airline lounges when flying the airline. It’s also worth considering if you’re working toward Delta elite status, as you can earn MQMs not just from the welcome bonus but also by meeting $30,000 and $60,000 spending requirements on the card in a calendar year. That’s a lot of spend to put on one card, but if Delta elite status is worth it to you, it’s something to consider.

Further Reading:

APPLY HERE: Delta Reserve for Business Credit Card

CitiBusiness AAdvantage Platinum Select World Mastercard

Current bonus: Earn 70,000 miles after spending $4,000 within the first 4 months.

Current bonus value: $980

Standout benefits:

  • 2x AAdvantage miles on American Airlines purchases, telecommunications companies, cable and satellite providers, car rentals and gas stations (1x on everything else).
  • Free checked bag and priority boarding for you and up to 4 traveling companions.
  • Earn a companion certificate for domestic economy travel after spending $30,000 or more each membership year and after the card is renewed.
  • No foreign transaction fees.

Annual Fee: $99 (fee waived for the first 12 months)

Why it’s worth it: You can give employees free cards, giving you a great way to rack up miles for some big redemptions. Miles earned on this card go toward building and maintaining elite status for loyal American Airlines flyers, especially since you have access to flights operated by the carrier’s Oneworld alliance partners. The card comes with the business version of Citi Concierge, which offers 24/7 help with travel, hotel and dining arrangements.

Further Reading:

APPLY HERE: CitiBusiness AAdvantage Platinum Select World Mastercard

Southwest Rapid Rewards Premier Business Credit Card

Current bonus: Earn 60,000 points after spending $3,000 in the first 3 months.

Current bonus value: $900

Standout benefits:

  • 2x points on Southwest and its Rapid Rewards hotel and car rental partners; 1 point per dollar spent on everything else.
  • Receive 6,000 bonus points after every cardmember anniversary
  • Lost luggage reimbursement and baggage delay insurance
  • Get free employee cards and earn points on their spending
  • No foreign transaction fees.

Annual Fee: $99

Why it’s worth it: Southwest doesn’t have blackout dates or seat restrictions when it comes time to redeem points for flights. Every passenger gets two free checked bags and you don’t have to worry about those pesky flight change fees (although you still must pay the fare difference). It is a bit disappointing that this card doesn’t come with ways to earn Tier Qualifying Points (TPQs) that help you achieve A List or A List Preferred status.

Further Reading:

APPLY HERE: Southwest Rapid Rewards Premier Business Card

Gold Delta SkyMiles Business Credit Card from American Express

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Current bonus: Earn 70,000 miles after you spend $4,000 in the first 3 months, plus a $50 statement credit after you make a Delta purchase in the first 3 months.

Current bonus value: $840

Standout benefits: 

  • 2x miles on Delta purchases and 1 mile per dollar on everything else
  • Main Cabin 1 priority boarding
  • Free checked bag for you and up to 8 companions on the same reservation
  • 20% off inflight purchases
  • No foreign transaction fees

Annual fee: $95 (waived the first year)

Why it’s worth it: If you want some perks like priority boarding when flying Delta but don’t care about the ability to earn MQMs toward Delta elite status, the Gold Delta Business Amex is an option to consider — especially now that it has an elevated welcome bonus.

Further Reading:

APPLY HERE: Gold Delta SkyMiles Business Credit Card 

Platinum Delta SkyMiles Business Credit Card from American Express

Current bonus: Earn 80,000 miles and 5,000 MQMs after spending $6,000, plus a $100 statement credit after making a Delta purchase with the card, all within the first three months.

Current bonus value: $960

Standout benefits:

  • 2x miles on Delta purchases and 1 mile per dollar spent on everything else.
  • Get a free companion certificate (plus taxes and fees) each year after your account renewal for round-trip, main cabin domestic travel
  • Free checked bag and Zone 1 priority boarding for you and up to 8 companions traveling on the same reservation.
  • 20% statement credit when using the card for Delta inflight purchases (minus Wi-Fi).
  • Get a 50% discount on Sky Club airport lounge passes for you and up to two companions, at $29 each per visit.
  • No foreign transaction fees

Annual Fee: $195

Why it’s worth it: This card helps you keep your Delta elite Medallion status. Not only do you earn 5,000 MQMs under the welcome offer, you can earn 10,000 bonus miles and 10,000 MQMs after spending $25,000 on the card in a calendar year; earn another 10,000 bonus miles and 10,000 MQMs if you spend $50,000 on the card in a calendar year. If you want to go for Silver, Gold or Platinum status, you can get Delta’s Medallion Qualification Dollars (MQD) requirement (between $3,000 and $9,000) waived by spending $25,000 on the card during a calendar year. If you want to go for Diamond Medallion status, you’ll have to spend $250,000 on the card to get it. The card comes with a baggage insurance plan, travel accident insurance, roadside assistance and car rental loss and damage insurance.

Further reading:

APPLY HERE: Platinum Delta SkyMiles Business Card

Hilton Honors American Express Business Card

(Photo courtesy of American Express.)
(Photo courtesy of American Express.)

Current bonus: Earn 125,000 points after spending $3,000 within the first 3 months.

Current bonus value: $750

Standout benefits:

  • 12x points at hotels and resorts in Hilton’s portfolio
  • 6x points at US gas stations, wireless telephone services purchases directly from US service providers, US shipping, US restaurants, flights booked directly with airlines or with Amex Travel and car rentals booked directly from select car rental companies
  • 3x points on all other purchases.
  • Complimentary Hilton Honors Gold status
  • Free employee credit cards and expense management tools help you track and organize expenses
  • Travel protections including baggage insurance plan, travel accident insurance, roadside assistance and car rental loss and damage insurance.
  • No foreign transaction fees

Annual Fee: $95

Why it’s worth it: 125,000 bonus points will get you three nights at the Grand Naniloa Hotel Hilo Doubletree in Hawaii, at 40,000 points a night. The gold status that comes with the card gets you a 25% point bonus on qualifying spending, a fifth night free on standard room award stays of five nights or more, a fifth night free on standard room award stays of five nights or more, two free water bottles at most Hilton properties and your choice of hotel benefits including a room upgrade, bonus points, continental breakfast, snack or non-alcoholic beverage. Hilton has a portfolio of 17 brands with more than 5,700 properties in 113 countries and territories, giving you plenty of opportunities to earn and redeem points.

Further Reading:

APPLY HERE: Hilton Honors American Express Business Card

Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is one of many that we
(Photo by Isabelle Raphael/The Points Guy)

Current Bonus: Earn 50,000 miles after you spend $4,500 in the first 3 months

Current Bonus Value: $700 (based on TPG’s latest valuations and not provided by card issuer)

Standout Benefits:

  • 2 miles per dollar on all purchases with no minimum for redeeming
  • Up to a $100 credit to cover enrollment fees for Global Entry and TSA PreCheck
  • Travel protections include travel accident insurance, lost luggage reimbursement, travel accident insurance and auto rental collision damage waiver.
  • Free employee cards
  • No foreign transaction fees.

Annual Fee: $95 (waived the first year)

Why it’s worth it: Capital One Venture card holders can transfer the miles they earn to 15 airline partners, valued at up to 1.4 cents in value for each mile you transfer. Still, if you value convenience over the potential to get much more than 1 cent per mile in value, a card like the Capital One Spark Cash for Business could make sense for you.

Further Reading:

APPLY HERE: Capital One Spark Miles for Business

United Explorer Business Card

Current bonus: Earn 50,000 miles after spending $3,000 in the first 3 months.

Current bonus value: $650

Standout benefits:

  • 2x miles on United and at restaurants, gas stations and office supply stores; 1 mile per dollar spent on everything else
  • The cardmember and one companion on the same reservation each receive a free checked bag free on United-operated flights when using the card.
  • Priority boarding
  • 2 United Club passes after every card anniversary
  • Free employee cards and earn miles on their spending
  • No foreign transaction fees

Annual Fee: $0 for the first year, then $95

Why it’s worth it: United is one of 28 Star Alliance members, which means your miles can take you around the globe on some of the world’s top airlines. The card has travel protections that road warriors appreciate, including trip cancellation/trip interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement and auto rental collision damage waiver.

Further Reading:

APPLY HERE: United Explorer Business Card

Marriott Bonvoy Business American Express Card

Current Bonus: Earn 75,000 points after you spend $3,000 in the first 3 months.

Current Bonus Value: $600

Standout Benefits:

  • 6x points at participating Marriott properties
  • 4x points at US restaurants, gas stations, on wireless telephone services purchased directly from US service providers and on US purchases for shipping
  • 2x points on all other purchases
  • Receive a free award night every year after your account anniversary that’s good for stays costing up to 35,000 points.
  • Earn an additional free night award after you spend $60,000 on your card in a calendar year.
  • Complimentary Marriott Bonvoy Silver elite status; if you spend $35,000 on the card in a calendar year, earn gold status.
  • Get 15 elite credits toward the next level of status.
  • No foreign transaction fees

Annual Fee: $125

Why it’s worth it: This card’s welcome bonus of 75,000 Marriott points is enough for a three-night stay at the Courtyard Isla Verde Beach Resort in Carolina, Puerto Rico. The card comes with baggage insurance plan, travel accident insurance, car rental loss and damage insurance and roadside assistance, which are always welcome for business travelers.

However, note the card’s application restrictions; these prevent you from earning the welcome bonus on the Bonvoy Business Amex if you have or have had a Marriott business card in the last 30 days or if you’ve had a personal Marriott card welcome bonus in the last 24 months.

Further Reading:

APPLY HERE: Marriott Bonvoy Business American Express Card

How We Chose the Best Business Credit Cards

Bonus Value: As you can see, the bulk of the value comes from the welcome bonus itself — I used my latest valuations to calculate a dollar amount for each offer.

Travel Credits: From there, I factored in annual travel credits, like the $200 air travel credit offered by the Business Platinum Card from American Express. As the Amex Business Platinum also offers Centurion Lounge access plus Delta Sky Club access when you’re flying Delta, I assigned a value of $250 for these perks. Additionally, if a card waives its annual fee for the first year, I didn’t subtract that from the value of the welcome bonus and other perks, since this post is focused on how much you’ll get from the card as a new applicant.

Bonus Requirements: Also, a few of these cards offer tiered bonuses. For these cards, I focused on the value you’d get by meeting the lowest spending requirement. As an example, the Amex Business Platinum Card’s welcome offer has a high minimum spending requirement of $10,000 in the first three months — and that’s only the first year; to earn the full 75,000-point bonus, you’ll have to spend $20,000 in the first three months

Frequently Asked Questions

Are business credit and personal credit the same?

Business credit is similar to your personal credit in that it allows potential creditors to judge what kind of a credit risk your business poses. For established firms, a higher business credit score could mean you’ll have better access to loans and lines of credit, lower interest rates and cheaper insurance premiums. When you’re just starting out, you won’t have a business credit score, at least until you open a business credit card or secure a line of credit from a vendor that reports to the business credit bureaus, Experian, Equifax and Dun & Bradstreet.

How do I check my business credit score?

Dun & Bradstreet offers a free service called CreditSignal, which gives you alerts when your scores or reports change, but doesn’t give you access to the full reports themselves. Here’s what the fine print on the website says: “CreditSignal only indicates that your D&B scores and ratings have changed and alerts you when your business credit file has been purchased. To view actual scores and ratings and learn about what industries are purchasing your D&B file, we recommend that you upgrade to one of our business credit monitoring or credit building solutions.”

Can I use a business credit card instead of a business loan?

Yes, but you should take into account your specific business needs. Business credit cards are faster and allow you to use only what you need.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Delta Reserve for Business Credit Card

 

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More Things to Know
  • Earn 80,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $6,000 in purchases on your new Card in your first 3 months.
  • Plus, get a 0% introductory APR for 6 months on purchases. After the introductory 6 months period, the APR for purchases will be variable at 17.99%-26.99% based on your credit worthiness and other factors at account opening.
  • This APR will vary with the market based on the Prime Rate. Limited Time Offer Expires: 07/02/2019
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • Terms and limitations apply
  • See Rates & Fees
Intro APR on Purchases
0% on purchases for 6 months
Regular APR
17.99% - 26.99% Variable
Annual Fee
$450
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.