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Best Business Credit Cards for Online Ad Spend

Review Updated
Ben Gran
Ben Gran
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

Online ad spending is one of the biggest business expenses for many small businesses. What if you could turn your digital marketing spend into more cash in your business bank account?

If you're using social media ads or search engine ads to help market your business and find new customers, choosing the right business credit card can help you earn big rewards from this everyday cost of doing business. A few of the best business cards earn extra rewards for digital ad spending as a category, while others earn a high level of cash back or reward miles on everyday purchases -- which can include online ad spend.

Let's discuss some of the best business credit cards for digital advertising and see how they can help you earn cash back and other valuable rewards from your business spending.

Best business credit cards for digital advertising

Best for online ad spend and travel: Ink Business Preferred® Credit Card

Ratings Methodology
Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Great for: Online ad spend and travel

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 26.24% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value.

    Read Full Review
    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • 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 25% 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.
    • Member FDIC

Why we picked it: The Chase Ink Business Preferred® Credit Card pays 3X points per dollar on the first $150,000 per year of combined spending on select categories, including advertising purchases on social media and search engines, and travel. So if you spend a total of $150,000 per year just on digital ads and business travel, you'll earn 450,000 Chase Ultimate Rewards points -- worth $4,500 of cash back.

What to watch for: If you spend more than $150,000 on online ad purchases, travel, and other qualifying categories, your additional purchases will only earn 1X point per dollar. Plus, this credit card charges an annual fee of $95.

Best for cash back for big spenders: Capital One Spark Cash Plus

Ratings Methodology

Capital One Spark Cash Plus

Great for: Cash back for big spenders

Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Spark Cash Plus
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A

Rewards Circle with letter I in it. Earn unlimited 2% cash back for your business on purchases, no limits or category restrictions; plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

2% - 5% cash back

Annual Fee

$150

Welcome Offer Circle with letter I in it. $2000 Cash Back 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

$2000 Cash Back

  • This card is built for businesses with significant expenses that want high-value rewards. You’ll earn unlimited 2% cash back on every purchase, plus 5% cash back on hotels and rental cars booked through Capital One Travel. If you spend over $150k annually, your annual fee will be refunded, and we love that in your first year alone, you could earn over $4,000 in cash bonuses -- the largest welcome offer Capital One has ever provided for this card.

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    • Big welcome offer
    • 2% cash back
    • Free employee credit cards
    • No foreign transaction fee
    • Potential annual spending bonus
    • Annual fee
    • Pay-in-full card
    • Personal guarantee
    • 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

Why we picked it: The Capital One Spark Cash Plus (see rates and fees) card offers 2% unlimited cash back on all purchases, with no spending caps or category restrictions. So if your business spends $200,000 per year on digital ads, you'll earn $4,000 of cash back.

And this card has a huge welcome offer: get $2000 of cash back after spending $30,000 in the first 3 months, plus an additional $2,000 of cash back for every $500,000 spent in the first year. And you get 5% cash back on hotels and rental cars booked through Capital One Travel.

What to watch for: This is not a typical credit card -- it's a pay-in-full card, meaning your balance is due in full each month. Also, this card has a $150 annual fee. (See rates and fees.) So make sure your business is really a big enough spender to get your money's worth -- you'd need to spend at least $7,500 on online ads to recoup the annual fee.

Best for no annual fee: Ink Business Unlimited® Credit Card

Ratings Methodology

Ink Business Unlimited® Credit Card

Great for: No annual fee

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

17.49% - 23.49% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • This card is a cost-effective option for businesses of all sizes. There is no annual fee, yet offers an attractive $750 welcome bonus & unlimited 1.5% cash back on every purchase — that is a straightforward way to earn cash back on everyday business expenses. Plus, you can add employees cards for no extra cost. No wonder it's one of the most popular business cards we've reviewed.

    Read Full Review
    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • 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.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Why we picked it: If you want to simplify your small business spending, the Chase Ink Business Unlimited® Credit Card gives you unlimited 1.5% cash back on all purchases, including online ad spend. There are no spending caps or category restrictions -- so if you spend $200,000 per year on online ads with the Ink Business Unlimited® Credit Card, you'll get $3,000 of cash back.

This card has no annual fee and a lucrative welcome offer: get $750 of bonus cash back after spending $6,000 on purchases in the first 3 months of opening the card.

What to watch for: The Ink Business Unlimited® Credit Card charges foreign transaction fees, so it's not the best choice for international business travel.

Ratings Methodology

Benefits of getting and using a business credit card for online ad spend

Small businesses are spending big on social media ads, search engine ads, and other online ads as a great way to reach customers. Recent research from the Connected Commerce Council found that 32% of small business advertisers spend $10,000-$100,000 per year on online ads, and 29% spend more than $100,000 per year. And 70% of all small business advertisers say they intend to spend more on online ads in the next two years.

If your business is part of this trend toward bigger online ad spending, you might as well get some cash back in your bank account. Here are a few ways that the best business credit cards for online ad spend can help your business.

Earn credit card welcome offers

Many of the best business credit cards for online ad spend also include big-time welcome offers for new card customers. Let's say that you know you're going to be spending a certain amount of money on a new online ad campaign in the next few months. You can plan ahead, open a new business credit card, and easily spend enough money just on online ads to earn a big welcome offer worth $900 or more.

Earn reliable cash back

Even aside from a big one-time welcome offer, the best business credit cards for online ad spend help turn an ongoing expense (digital ad costs) into new revenue for your business (in the form of cash back).

Some of the best cards on this list offer 1.5% or 2% cash back for online ad spend, guaranteed. Think of this as like an extra bonus return on investment (ROI) on your ad spending -- along with all the customers that click and convert, you'll get an extra percentage of cash back from the business credit card you used to buy those ads.

Earn other credit card rewards

Here's another great reason to use business credit cards: they're versatile. Some of the best business credit cards earn cash back, and some earn reward points that you can use for booking business travel or other goals.

If you want more money in your business bank account, that's great. If you want to exchange your business credit card rewards for cheaper flights and VIP upgrades on your next business trip, you can do that too.

How to choose the right business credit card for your digital ad spend

Here are a few factors to look at as you decide which is the best business credit card for digital ad spend -- based on how your business spends money.

How much you spend on online ads per year

Some of the best credit cards on this list have an annual spending cap for how much you can earn. For example, the Ink Business Preferred® Credit Card offers 3X points per dollar on your online ad spend, but only for the first $150,000 per year of combined purchases (including online ads and other select categories; terms apply).

If your business only spends $1,000 per month on online ads, you'll probably be happy with the Ink Business Preferred® Credit Card. But if your business spends more on online ads, you might be better off choosing the Capital One Spark Cash Plus card, with 2% unlimited cash back on every dollar you spend (across all purchases except some travel booked through Capital One; see rates and fees).

How soon you can earn a welcome offer

Before you apply for a new business credit card, think strategically about how you can earn the welcome offer. Some of the best cards on this list have welcome offers that can earn $900-$2,000 of cash back with qualifying purchases within the first few months.

Generous welcome offers can make these cards a great fit for online ad spending, because sometimes your business might have a short-term goal where you're planning to ramp up your ad spend for a specific campaign or seasonal marketing. Give your next ad campaign guaranteed ROI with extra cash back from your newly opened business credit card.

What other categories of business expenses you purchase

Online ads are not your only big business expense. Before you apply for a new credit card, look at your last few months of business spending. See how much you're spending on categories like business travel, restaurants, gas, software, hardware, or other business supplies. The best business credit cards on this list can help you earn extra cash back and reward points on multiple types of business expenses, not just online ads.

Choosing the right business credit card for online ad spend can help you design a lucrative rewards program for your everyday business spending, and unlock more value from every ad you buy.

How to apply and sign up

The requirements to apply for a business credit card are similar to applying for a personal credit card, but with a few extra details about your business. Here are a few pieces of information that you'll likely need:

  • Your title as the authorizing officer for the business (such as Owner, Partner, President, etc.)
  • Your personal Social Security number (SSN)
  • Your personal income
  • Your legal business structure (LLC, corporation, sole proprietorship, etc.)
  • Your business tax ID (such as Employer Identification Number)
  • Business financial details (such as business established date, annual revenue, and monthly business spend)

Some business credit cards will let you check to see if you are pre-approved for the card, without doing a hard credit pull. But others might require a hard credit check which can affect your credit score. Make sure you're comfortable with your credit score before applying for a new credit card or any other loans -- personal or business.

Compare the best business credit cards for online ad spend

The Picks
Card Our Rating Intro APR APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Online ad spend and travel

 Purchases: N/A
 
Balance Transfers: N/A 		20.24% - 26.24% Variable
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Cash back for big spenders

 Purchases: N/A
 
Balance Transfers: N/A 		N/A
Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

No annual fee

 Purchases: 0% Intro APR on Purchases, 12 months
 
Balance Transfers: N/A 		17.49% - 23.49% Variable
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

Our highest-rated credit cards have:

  • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.