Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
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
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
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
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Businesses with big marketing budgets can earn anywhere from 2x to 5x rewards for every dollar spent on advertising. While some business credit cards dole out bonuses for all spend, others limit the extras to online advertising or other media. The best card for you will not only reward where your ad dollars go — Google, Facebook, TV or radio — but also offer the type of rewards your business values most.
Show summary
Best business credit cards for advertising
American Express® Business Gold Card : Best for online, TV and radio advertising.
Capital One Spark Cash Plus : Best for unlimited cash back on all advertising spend.
Delta SkyMiles® Gold Business American Express Card : Best airline card for online, TV and radio advertising.
Ink Business Preferred® Credit Card : Best for online advertising (search engine and social media).
Southwest® Rapid Rewards® Performance Business Credit Card : Best airline card for online advertising (search engine and social media).
The American Express Blue Business Cash™ Card : Best for cash back on all advertising spend with no annual fee.
Wyndham Rewards® Earner℠ Business Credit Card : Best for hotel card for ad spend.
All of our picks for best business cards for advertising are chosen by our editorial team without outside input. The cards highlighted below are also available from our partners.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best cards for Google, Facebook and other ad spend
You'll earn 3 points for every $1 spent (up to $150,000 combined) in a handful of business-friendly categories, including advertising purchases with social media sites and search engines.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
You'll earn 3 points for every $1 spent (up to $150,000 combined) in a handful of business-friendly categories, including advertising purchases with social media sites and search engines.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
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
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
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.
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.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
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.
Does not include lounge access or automatic elite status
Frequent flyers can earn 2 miles per $1 spent on online, television and radio advertising, with a cap of $50,000 in eligible purchases per category, per year. Other perks on this airline business card include free checked bags, priority boarding and an annual flight credit (terms apply).
Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Does not include lounge access or automatic elite status
Frequent flyers can earn 2 miles per $1 spent on online, television and radio advertising, with a cap of $50,000 in eligible purchases per category, per year. Other perks on this airline business card include free checked bags, priority boarding and an annual flight credit (terms apply).
Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
New cardholder bonus offer
Cons
Rewards have limited flexibility
Does not include lounge access
You'll earn 2 points per $1 spent on social media and search engine advertising, plus 4x points on Southwest purchases and 3x points on Rapid Rewards® hotel and car rental partners. There’s also a big welcome bonus, anniversary perks and a statement credit for Global Entry or TSA Precheck. Unlike other business cards, there is no cap on how many points you can earn in a given bonus category.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
New cardholder bonus offer
Cons
Rewards have limited flexibility
Does not include lounge access
You'll earn 2 points per $1 spent on social media and search engine advertising, plus 4x points on Southwest purchases and 3x points on Rapid Rewards® hotel and car rental partners. There’s also a big welcome bonus, anniversary perks and a statement credit for Global Entry or TSA Precheck. Unlike other business cards, there is no cap on how many points you can earn in a given bonus category.
This card offers an impressive 5 points per $1 spent on marketing, advertising and utilities. You’ll also earn 8 points per $1 spent on Wyndham hotel stays and on gas. This hotel business card is best for Wyndham loyalists, though, since your rewards have the most value when redeemed for free or discounted nights at the chain’s properties.
Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days.
Earn 8 points per $1 spent on on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases
Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments)
Automatically receive DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
Receive 15,000 bonus points each anniversary year
Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more
Complimentary Employee Cards offer more control over business expenses by adding employees to the account at no additional cost
Extended Warranty protection helps manage, use, and extend the warranties for eligible item purchases
This card offers an impressive 5 points per $1 spent on marketing, advertising and utilities. You’ll also earn 8 points per $1 spent on Wyndham hotel stays and on gas. This hotel business card is best for Wyndham loyalists, though, since your rewards have the most value when redeemed for free or discounted nights at the chain’s properties.
Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days.
Earn 8 points per $1 spent on on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases
Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments)
Automatically receive DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
Receive 15,000 bonus points each anniversary year
Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more
Complimentary Employee Cards offer more control over business expenses by adding employees to the account at no additional cost
Extended Warranty protection helps manage, use, and extend the warranties for eligible item purchases
This card doesn’t offer bonus points for ad spending; instead, cardholders earn 2% cash back on the first $50,000 spent each year. But unlike the other options on this list, the Blue Business Cash doesn't have an annual fee. It also comes with a generous intro APR period.
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, 17.49% – 27.49%, 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 up to $50,000 per calendar year, then 1%. 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.
This card doesn’t offer bonus points for ad spending; instead, cardholders earn 2% cash back on the first $50,000 spent each year. But unlike the other options on this list, the Blue Business Cash doesn't have an annual fee. It also comes with a generous intro APR period.
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, 17.49% – 27.49%, 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 up to $50,000 per calendar year, then 1%. 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.
This charge card doesn’t pony up specifically for advertising spend, but instead offers a high cash-back rate with no caps on how much you can earn. The Spark Cash Plus also rewards heavy spenders with a lucrative welcome offer and a rebate on your annual fee if you spend $150,000 in a given year.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
This charge card doesn’t pony up specifically for advertising spend, but instead offers a high cash-back rate with no caps on how much you can earn. The Spark Cash Plus also rewards heavy spenders with a lucrative welcome offer and a rebate on your annual fee if you spend $150,000 in a given year.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
This card's hallmark is its premium travel benefits. But cardholders also get 3X points for every ad dollar spent on Google, Facebook, Instagram and additional platforms. And unlike other cards with bonus points on ad spend, there’s no cap on eligible spending.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
This card's hallmark is its premium travel benefits. But cardholders also get 3X points for every ad dollar spent on Google, Facebook, Instagram and additional platforms. And unlike other cards with bonus points on ad spend, there’s no cap on eligible spending.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
There are three main factors to consider when determining the best business card for your advertising spend.
1. Where you advertise. Eligible advertising categories vary from one card to the next. If your business primarily spends on Google and Facebook ads, the Ink Business Preferred® Credit Card is a great option. If TV and radio spots are also part of your advertising mix, the American Express® Business Gold Card might be a better fit (it gives bonus points for Google and Facebook ad spend as well).
2. Your annual advertising budget. Many of the best cards for ads cap bonus points based on spending. For example, the American Express® Business Gold Card and Ink Business Preferred® Credit Card both cap bonus points to the first $150,000 in combined spending across multiple eligible categories.
Using a dedicated business card for your advertising spend can be a smart move if your business has a sizable advertising budget. If your business’s annual advertising budget exceeds $150,000, a combination of cards may be best to maximize rewards earned.
3. The card’s annual fee. Some of the best business cards for ad spend come with steep annual fees. The American Express® Business Gold Card, for example, has a $375 annual fee. While the card's welcome bonus can easily offset that fee the first year, you'll want to make sure the ongoing rewards outweigh the cost after that.
4. Other business spending. Advertising is likely just one piece of your company’s budget. If you plan to use your card for more than ad spend, factor other expenses like travel, software and telecom services into your decision.
If your business spends equally across multiple different areas, a cash-back business card like The American Express Blue Business Cash™ Card or Capital One Spark Cash Plus may be your best option. Both offer 2% back on all spending, but the Capital One Spark Cash Plus doesn't cap how much you can earn. (See rates and fees .) The American Express Blue Business Cash™ Card limits 2% back to the first $50,000 spent per year.
Spend a lot on hotels or airfare? Take a closer look at branded cards, like the Wyndham Rewards® Earner℠ Business Credit Card or Southwest® Rapid Rewards® Performance Business Credit Card. These cards give a rewards boost for advertising spend, but offer even higher rewards for flights or hotels purchased with the brand. And all those rewards you rack up can be redeemed for free stays or flights.
To view rates and fees of the American Express® Business Gold Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold Business American Express Card, see this page.
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
Last updated on July 17, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
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