The best credit cards for Facebook ad spending

By
Summer Hull
Editors
Nick Ewen
and
Christina Ly
Updated
Sep 20, 2022
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

If you’re a small-business owner, chances are you spend a decent amount on promoting your business online through platforms such as Facebook and Instagram. After all, social media advertising is one of the most effective ways to segment your target audience. Here are the best credit cards for Facebook ad spending from our partners.

Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
3.5/5
1 - 4X points
details
  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% 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.*
70,000 points
details
Intro Offer tooltip icon
70,000 points
$295

Why We Chose It

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our review of the Amex Business Gold Card.

Pros

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back.

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on The Business Platinum Card® from American Express or consumer American Express® Gold. Card
  • There may be better options for small businesses who don't spend a lot.
  • 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.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • 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.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back.

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on The Business Platinum Card® from American Express or consumer American Express® Gold. Card
  • There may be better options for small businesses who don't spend a lot.
  • 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.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • 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.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back.

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on The Business Platinum Card® from American Express or consumer American Express® Gold. Card
  • There may be better options for small businesses who don't spend a lot.
  • 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.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • 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.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees
TPG Editor's Rating tooltip icon
4.5/5
1 - 3X points
details
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
100,000 points
details
Intro Offer tooltip icon
100,000 points
$95

Why We Chose It

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our review of the Ink Business Preferred.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance.
  • Perks including cellphone and purchase protection.
  • Extended warranty
  • Trip cancellation/interruption insurance.
  • Trip delay reimbursement.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • No travel perks.
  • Subject to Chase's 5/24 rule on card applications.
  • 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®
  • 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance.
  • Perks including cellphone and purchase protection.
  • Extended warranty
  • Trip cancellation/interruption insurance.
  • Trip delay reimbursement.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • No travel perks.
  • Subject to Chase's 5/24 rule on card applications.
  • 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®
  • 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Reasonable $95 annual fee; bonus categories that are most relevant to business owners
  • Primary car insurance.
  • Perks including cellphone and purchase protection.
  • Extended warranty
  • Trip cancellation/interruption insurance.
  • Trip delay reimbursement.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • No travel perks.
  • Subject to Chase's 5/24 rule on card applications.
  • 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®
  • 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
3.5/5
1 - 2% cash-back
details
  • 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.
$250
details
Intro Offer tooltip icon
$250
No annual fee

Why We Chose It

For businesses just starting out, we get it: You want to minimize any costs while maximizing your expenses. This is why the American Express Blue Business Cash Card is the perfect fit — there’s no annual fee, and you’ll earn 2% back on the first $50,000 in eligible purchases per calendar year, then 1%. With this card, you’ll also have access to exclusive Amex Offers from useful businesses such as FedEx and Bloomberg.com to help you save money on business shopping, dining, travel and so much more. Enrollment required for select benefits. Read our review of the Amex Blue Business Cash.

Pros

  • 2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back.
  • No annual fee.

Cons

  • Only earns 1% after you spend more than $50,000 in a calendar year -- not ideal for businesses with lots of expenses.
  • Charges a foreign transaction fee.
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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.
  • 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 us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Pros

  • 2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back.
  • No annual fee.

Cons

  • Only earns 1% after you spend more than $50,000 in a calendar year -- not ideal for businesses with lots of expenses.
  • Charges a foreign transaction fee.
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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.
  • 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 us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Pros

  • 2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back.
  • No annual fee.

Cons

  • Only earns 1% after you spend more than $50,000 in a calendar year -- not ideal for businesses with lots of expenses.
  • Charges a foreign transaction fee.
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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.
  • 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 us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
TPG Editor's Rating tooltip icon
3/5
1 - 4X points
details
  • 4X Earn 4X points on Southwest® purchases.
  • 3X Earn 3X points on Rapid Rewards® hotel and car partners.
  • 2X Earn 2X points on rideshare.
  • 2X Earn 2X points on social media and search engine advertising, internet, cable, and phone services.
  • 1X 1X points on all other purchases.
80,000 points
details
Intro Offer tooltip icon
80,000 points
$199

Why We Chose It

The Southwest Rapid Rewards Performance Business card is ideal for business travelers and loyal Southwest flyers interested in hitting A-List status or earning a Companion Pass. Read our review of the Southwest Rapid Rewards Performance Business.

Pros

  • 9,000 points on each cardmember anniversary.
  • Global Entry/TSA PreCheck credit (up to $100).
  • 4 Upgraded Boardings a year.

Cons

  • $199 annual fee means only those loyal to Southwest will truly benefit.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Global Entry or TSA PreCheck® Fee Credit.

Pros

  • 9,000 points on each cardmember anniversary.
  • Global Entry/TSA PreCheck credit (up to $100).
  • 4 Upgraded Boardings a year.

Cons

  • $199 annual fee means only those loyal to Southwest will truly benefit.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Global Entry or TSA PreCheck® Fee Credit.

Pros

  • 9,000 points on each cardmember anniversary.
  • Global Entry/TSA PreCheck credit (up to $100).
  • 4 Upgraded Boardings a year.

Cons

  • $199 annual fee means only those loyal to Southwest will truly benefit.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Global Entry or TSA PreCheck® Fee Credit.

The best credit cards for Facebook ad spending

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
American Express® Business Gold Card 70,000 points
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X is earned for other purchases. **
  • 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.*
$295
Ink Business Preferred® Credit Card 100,000 points
  • 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
$95
American Express Blue Business Cash™ Card $250
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • 1% cash back on all eligible purchases after spending $50,000 per calendar year.
No annual fee
Southwest® Rapid Rewards® Performance Business Credit Card 80,000 points
  • Earn 4X points on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services.
  • 1X points on all other purchases.
$199

The best credit cards for Facebook ad spending

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

American Express® Business Gold Card

Annual fee: $295 (see rates and fees).

Current welcome offer: Earn 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of account opening. Based on TPG valuations, this bonus is worth $1,400.

Earning rates: 4 points per dollar on the two select categories where you spend the most each month (up to $150,000 spent each calendar year; then 1 point per dollar).

Analysis: The American Express Business Gold Card is great because it automatically gives you 4 Membership Rewards points per dollar spent in the two categories where you spend the most each billing cycle. The six possible bonus categories are:

  • Airfare purchased from airlines.
  • U.S. purchases for advertising in select media (online, TV, radio).
  • U.S. purchases for shipping.
  • U.S. purchases at gas stations.
  • U.S. purchases at restaurants.
  • U.S. purchases made directly from select technology providers.

TPG values Membership Rewards points at 2 cents apiece, so you’ll earn an 8% return on spending in the two bonus categories where you spend the most each billing cycle. However, you’ll only earn 4 points per dollar on the first $150,000 of bonus category spending each year. All subsequent spending will earn 1 point per dollar, which is the earning rate for all non-bonus category spending.

But if you spend the full $150,000 in 4 points per dollar categories, you’ll earn 600,000 Membership Rewards points each year, which TPG values at $12,000. Stack that with the 25% Pay With Points rebate you get for using Amex points to pay for business or first-class airfare with any airline or economy flights with your selected, qualifying airline (up to 250,000 points back per calendar year), and your business will save some serious cash on employee travel.

For more details on the card’s other benefits, check out our full card review.

___________________________________________________________________________

Official application link: American Express Business Gold Card.

___________________________________________________________________________

Ink Business Preferred Credit Card

Annual fee: $95.

Current sign-up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening. Based on TPG valuations, this bonus is worth $2,000.

Earning rates: 3 points per dollar on the first $150,000 spent in combined purchases each account anniversary year on travel, shipping purchases, internet cable and phone services and advertising purchases made with social media sites and search engines.

Analysis: The Ink Business Preferred offers 3 Chase Ultimate Rewards points per dollar spent on the first $150,000 in combined purchases each account anniversary year for the following categories:

  • Travel.
  • Shipping purchases.
  • Internet, cable and phone services.
  • Advertising purchases with social media sites and search engines.

All other purchases, and purchases in these categories over $150,000 in an account anniversary year, earn 1 point per dollar spent.

This card provides especially good value because it’s part of Chase’s Ultimate Rewards program. You can use your points to book travel directly through the Chase Ultimate Rewards Travel portal at a rate of 1.25 cents each — or 1.5 cents each if you transfer your points to a Chase Sapphire Reserve card. But TPG valuations peg Chase Ultimate Rewards points at 2 cents due to the program’s valuable hotel and airline transfer partners including United and Hyatt.

So you’ll effectively get a 6% return on the first $150,000 you spend each account anniversary year in the 3 points per dollar bonus categories. In fact, if you spend the full $150,000 in 3 points per dollar categories, you’ll earn 450,000 Ultimate Rewards points each year which TPG values at $9,000.

The Ink Business Preferred also comes with the largest points bonus among the three cards featured in this story. You’ll earn 100,000 bonus points after you spend $15,000 on purchases in the first three months. That bonus is worth $2,000 according to TPG’s valuations, which looks even more impressive when you consider this card’s annual fee — a modest $95.

For details on the card’s other benefits, including cellphone protection when you pay your monthly cellphone bill with this card, check out our full card review.

___________________________________________________________________________

Official application link: Ink Business Preferred Credit Card.

___________________________________________________________________________

American Express Blue Business Cash™ Card

Annual fee: $0 (see rates and fees).

Current welcome offer: Earn a $250 statement credit after you make $3,000 in purchases within the first three months of card membership.

Earning rates: 2% cash back on the first $50,000 in purchases you make each calendar year, and 1% after that.

Analysis: If cash back is more your speed, Amex’s Blue Business Cash Card is another good pick — especially if you’ve maxed out the bonus categories on the other two business cards above.

The card’s earning structure is very straightforward and is good for more than just paying for Facebook ads. The card earns a flat 2% back on all purchases (on up to $50,000 each calendar year; then 1%), whether that’s for advertising or any other business expense.

Interestingly, the card also offers the ability to spend beyond your credit limit to make large purchases (determined by factors like your payment and credit history), though you’ll have to pay off this additional spending every month.

For details on the card’s other benefits, check out our full card review.

___________________________________________________________________________

Official application link: American Express Blue Business Cash Card.

___________________________________________________________________________

Southwest Rapid Rewards Performance Business Credit Card

Annual fee: $199.

Current sign-up bonus: 80,000 bonus points after you spend $5,000 on purchases in the first three months of account opening. Based on TPG valuations, the full bonus is worth $1,200.

Earning rates: 4 points per dollar on Southwest Airlines purchases, 3 points per dollar on Rapid Rewards hotel and car rental partner purchases; 2 points per dollar on rideshare, 2 points per dollar on social media and search engine advertising, internet, cable and phone services, and 1 point per dollar spent on everything else.

Analysis: If Southwest is your company’s preferred airline and you’re considering a cobranded card, this is the one to get. Earning 2 Rapid Rewards points per dollar spent on social media and search engine advertising equates to a solid 3% return.

The card also comes with a number of perks that will make business trips on the airline more comfortable. You’ll get four upgraded boarding positions per year, up to 365 $8 inflight Wi-Fi credits per year (covers all-day pass) and a Global Entry or TSA PreCheck statement credit every four years, among other benefits. Plus, the 80,000 points you get from the sign-up bonus gets you closer to earning the coveted Southwest Airlines Companion Pass.

For more details, read our Southwest Performance Business credit card review.

___________________________________________________________________________

Official application link: Southwest Rapid Rewards Performance Business Credit Card.

___________________________________________________________________________

What counts as advertising on these cards?

The Business Gold Card specifies the relevant bonus category as spending on “advertising in select media.” Based on information available on Amex’s website, “purchases of online, television and radio advertising must be purchased in the U.S. directly from media providers in order to promote a business” and examples of eligible merchants include but aren’t limited to Google, Facebook, Yahoo, NBC National Broadcasting and CBS Radio. The website clearly notes that you won’t “earn additional rewards for direct mail services including list/lead generation.”

So not only will you earn extra rewards — up to 4 points per dollar on the Business Gold Card — for online advertising with platforms such as Facebook and Google but also with ad spending across other media formats. Since online ad spending is so popular among businesses large and small these days, that’s likely where most cardholders will be able to maximize this category.

The Ink Business Preferred and Performance Business are issued by Chase, and the terms and conditions for Chase are more explicit. Chase’s website states defines this category as follows:

“Merchants in the social media and search engine advertising category include social media websites and online search engines that advertise a business, brand, products or services. Advertising purchases that are not made directly from a social media website or online search engine merchant may not qualify; for example, advertising purchases made through a third party such as an ad agency or web designer offering related services. Also, purchases from social media websites or online search engines that are not for advertising will not qualify; for example, subscription or app purchases.”

So, it’s pretty clear you’ll earn up to 3 points per dollar on the Ink Business Preferred when you purchase Facebook and Google ad spending directly with the merchant.

If you’re wondering how a particular advertising purchase will code and the credit card issuer’s category definition is unclear, consider trying a small advertising purchase to see how it codes.

Bottom line

Online advertising with companies such as Facebook and Google has become an integral part of many business strategies, and luckily there are credit cards that reward spending within this category. If you have a large ad budget, you can spread out the cost over multiple credit cards and continue to bring in significant rewards.

The American Express Business Gold Card is at the top of this list due to its ability to earn 4 Amex Membership Rewards points per dollar on ad spending, which is a terrific 8% return based on TPG’s valuations. Plus, even if your business doesn’t spend much on ads in one month, you’ll still be able to earn 4 points per dollar on other popular bonus categories.

Although it has a slightly lower return, the Ink Business Preferred Credit Card is also a solid choice due to its ability to earn 3 Chase Ultimate Rewards points per dollar on ad spending (a 6% return). It also carries a low annual fee and its current sign-up bonus.

Meanwhile, the American Express Blue Business Cash Card, which offers a lower 2% return due to its straight cash-back offering, is a solid option as well if you don’t want to pay an annual fee. Or, if you’ve already maxed out your bonus categories on the other cards you can get a 3% return with the Southwest Rapid Rewards Performance Business Credit Card.

For rates and fees of the Amex Business Gold card, click here.

For rates and fees of the Amex Blue Business Cash card, click here.

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