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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?
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Best Business Credit Cards for Advertising Spending
If you currently only earn 1 point per $1 spent on advertising, these small business credit cards are a must for your business. Here is a quick preview of the best business credit cards for advertising, plus their welcome/signup bonus offers.
- 100,000 Bonus Points: Ink Business Preferred® Credit Card
- Earn 140,000 bonus points: IHG One Rewards Premier Business Credit Card
- Cash back: The American Express Blue Business Cash™ Card
- 50,000 Bonus Miles: Capital One Spark Miles for Business
Ink Business Preferred Credit Card
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 has a $95 annual fee and no foreign transaction fee. You can redeem your rewards points for cash statement credits, gift cards, or award travel with this best business credit card for advertising options.
Redeeming Rewards
Redeeming your points for award travel with Chase Travel℠ is the most valuable option, as your points are worth 1.25 cents each, which makes 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. There, 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 travel providers including the following:
- Southwest Airlines
- United
- Hyatt
- Marriott
- IHG
These are only five of the Chase Ultimate Rewards travel partners.
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.
New Ink Business Preferred® Credit Card cardholders can earn 100k bonus points after spending $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.
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, such as a Sapphire card, 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 and personal Sapphire cards have 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.
Bonus Options: Cards in the Ink Business Family
If the Ink Business Preferred sounds good, but you’d rather not have to pay an annual fee, consider the Ink Business Cash® Credit Card or the Ink Business Unlimited® Credit Card. While these two best business credit cards for advertising options don’t have specific rewards solely for advertising, their other earning categories fall along a similar line that can add up quickly.
The Ink Business Cash® Credit Card earns:
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores, internet, cable, and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1 percent back on all other purchases
New Ink Business Cash® Credit Card cardholders can earn a $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.
On the other hand, if you just want a card that earns on everything, no matter what you spend and where you spend it, look to the Ink Business Unlimited® Credit Card. It earns 1.5% cash back on all purchases. So, you don’t have to worry about how much you’ve spent and whether you’ve hit your threshold. You can spend as needed and still earn rewards.
New Ink Business Unlimited® Credit Card cardholders can earn a $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.
You can compare these cards in our Comparison: Chase Ink Unlimited vs Chase Ink Cash.
IHG One Rewards Premier Business Credit Card
This IHG business card, the latest addition to the IHG family, can be a great option for business owners. For one, the IHG One Rewards Premier Business Credit Card earns up to 26x points total per $1 spent when you stay at an IHG hotel. Additionally, IHG One Rewards Premier Business Credit Card cardholders earn:
- 5x points per $1 spent on purchases on:
- Travel
- Gas stations
- Select advertising
- Restaurants
- 3x points per $1 spent on all other purchases
Platinum Elite status and Global Entry, TSA PreCheck, or a NEXUS Statement Credit are also included. This is one of the best business credit cards for advertising options.
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
As long as you remain a Premier Business card member, you will have Platinum Elite status.
New IHG One Rewards Premier Business Credit Card cardholders can earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
The annual fee is $99.
The American Express Blue Business Cash Card
If you prefer an Amex business card with a $0 annual fee (See Rates & Fees) that earns cash back, The American Express Blue Business Cash™ Card can be for you.
Cardholders 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.
It also comes with Expanded Buying Power which gives cardholders the ability to spend beyond their credit limit. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
Welcome Bonus Offer
New The American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after they make $3,000 in purchases on their Card in their first 3 months.
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
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 also earn unlimited 5x miles on hotels and rental cars booked through Capital One Travel. Eearn unlimited 5x miles on hotels and rental cars booked through Capital One Travel.
Transfer your miles to 15+ travel loyalty programs.
New Capital One Spark Miles for Business cardholders can earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Learn more: Business Credit Cards
Summary
In conclusion, these options will help you earn more on your advertising spending than you currently do. Picking the right business credit cards for advertising helps you know you make every business purchase count to grow your brand while making every dollar count.
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- How does Chase’s 5/24 rule impact business credit cards?
- Everything you need to know before applying for a business credit card
- The best small business credit card offers
For rates and fees of The American Express Blue Business Cash™ Card, please click here.
