Calculator: 5 Best Business Cards For Advertising [2021]

Several business cards offer a fantastic return on online marketing spend such as Facebook Ads and Google Ads. Get the best picks and calculate rewards.

The Point Calculator's top picks for the best business credit cards for earning airline miles are:

  • American Express® Business Gold Card
  • Chase Ink Business Preferred® Credit Card
  • The Blue Business® Plus Credit Card from American Express
  • American Express Blue Business Cash™ Card
  • Capital One Spark Cash for Business

American Express® Business Gold Card

One of the best business credit cards for earning rewards is the American Express Business Gold Card. It earns 4 Membership Rewards Points per $1 spent on the 2 select categories you spend the most in per month on up to $150,000 in combined purchases per calendar year. There's six eligible categories which are: airfare, U.S. gas station, U.S. shipping, U.S. advertisement, U.S. restaurants, and U.S. computer hardware/software/cloud computing.

Maximizing your return on purchases such as Google Ads and Facebook Ads with the American Express Business Gold Card will require you to make sure that online marketing purchases is one of the top two categories with the most spend per month. You'll also be able to earn 4x spending across a second eligible category so you can easily rake in lots rewards.

The American Express Business Gold card also comes with a 25% airline rebate which gives you 25% of your points back when you redeem them for travel on the American Express Travel Portal. You can also transfer earned points to AMEX's airline and hotel partners which includes Delta Airlines, JetBlue Airways, and Marriott Intentional.

American Express® Business Gold Card
Rewards Rate
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
  • Get 1X on all other purchases.
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.

Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred Card is another one of the best business credit card on the market. It earns 3 Ultimate Rewards Points per $1 spent on advertising which includes Google Ads, Facebook Ads, Twitter Ads, and other social media and search engine advertising expenses. The card also earns 3 points per $1 on travel, shipping, internet, cable services, and phone services which is great considering you can redeem points for an easy 1.25 cents through Chase Ultimate Rewards or transfer them to Chase's airline and hotel partners which includes Southwest Airlines, United Airlines, and Hyatt.

Ink Business Preferred® Credit Card
Rewards Rate
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro Bonus
Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

The Blue Business® Plus Credit Card from American Express

If don't want to worry about bonus categories, but still want a great return on all your purchases (including advertisement spend), The Blue Business Plus Card is one of the best options. It earns 2 Membership Rewards Points per $1 spent on the first $50,000 in card purchases per calendar year, then 1x for the remainder of the calendar year after the cap is reached. It has no annual fee and it's a great card for small businesses who want easy rewards that can be redeemed towards airfare or be transferred to AMEX's transfer partners.

The Blue Business® Plus Credit Card from American Express
Rewards Rate
  • Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.

American Express Blue Business Cash™ Card

If you would rather earn cash back, the American Express Blue Business Cash Card is a great choice. It earns 2% cash back on the first $50,000 in card purchases per calendar year, then 1% for the rest of the calendar year after the cap is reached. Like The Blue Business Plus Card, it has no annual fee and is a great small business credit card for advertising and other business expenses.

American Express Blue Business Cash™ Card
Rewards Rate
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

Capital One Spark Cash for Business

If you spend significantly more than $50,000 per year in advertising and other business purchases, you'll want to consider picking up the Capital One Spark Cash for Business. It earns 2% cash back on all purchases ran through the card with no cap on how much you can earn. On top of that, it has no foreign transaction fee which makes it a great option if your business need to make international purchases which includes paying for online marketing outside of the United States.

Capital One Spark Cash for Business
Rewards Rate
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Purchase above your credit limit with no hassle and no over-limit fees
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'More Info' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Loading Categories...
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
Loading...

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-25 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US • 🇨🇦 CA • 🇬🇧 UK • 🇦🇺 AU