Advertising is a core business expense. It’s necessary to keep customers coming in the door, but what if you could earn cash back and a sign up bonus while being charged 0% interest for all of your advertising spending? Whether you’re advertising digitally and paying for pay-per-click campaigns or you’re paying for the launch of a local marketing blitz, some credit cards can offer benefits for those added costs.
One report from Salesforce shares that business-to-consumer companies spend an average of 15% of their revenue on advertising campaigns every-year. Even if you spend less, the best business credit cards could help you cover those expenses and give you some rewards in the process.
Some business credit cards provide cashback rewards, allowing you to reduce what you’re paying on advertising outright. Others feature travel rewards and bonus programs. While low interest rates matter too, utilizing these features of some of the best business cards could be well worth it.
Criteria for Selecting a Business Credit Card for Marketing Expenses
To help you choose which credit cards for business are best for advertising expenses, we encourage you to compare the following:
- Introductory offers and sign-up bonuses
- Any rewards or cashback opportunities specific to advertising or marketing spending
- Annual fees in comparison to rewards offered
- Interest rates and any promotional APRs available
- Additional perks that fit your company, such as expense management tools, employee credit cards, and fraud protection
Which Are the Best Business Credit Cards for Ad Spend?
The following are some of the best credit cards for advertising expenses in your business.
on Bank of America's secure site
Key features:
- 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- 0% Intro APR for 7 billing cycles, then 16.74% - 26.74% Variable APR on purchases.
- No annual fee.
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers bonus cash back on your choice of business consulting services, office supply stores, and more. The small business online banking app is an excellent way to change up how you receive rewards as your needs change.
on Capital One's secure site
Key Features:
- Earn 2 Miles per $1 on every purchase, with no limits or category restrictions, and miles won't expire for the life of the account.
- Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.
- $95 annual fee.
- Transfer your miles to 15+ travel loyalty programs.
The Capital One Venture Business card is perfect for companies with employees who travel often. While you’re away on your next business trip to promote your product or service (an advertising fee itself), you could be flying for free. You’ll earn 2 Miles per $1 on every purchase and unlimited 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel as well. Employee cards are also free.
on Capital One's secure site
Key Features:
- Unlimited 2 Miles per dollar on every purchase, 5 Miles per dollar on flights and vacation rentals booked through Capital One Business Travel, 10 Miles per dollar on hotels and rental cars booked through Capital One Business Travel.
- Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment.
- Annual fee $395.
The Capital One Venture X Business card is ideal for companies that spend heavily each month and pay off their balance quickly. Use it to get travel benefits and access to airport lounges. Note that your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee.
on American Express' secure site
Terms Apply
Key Features:
- Apply and find out your welcome offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- 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 up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- $375 annual fee
The American Express® Business Gold Card is best for those who spend significantly on advertising or other business costs. This card, from our partner American Express, allows you to redeem your points on flights and hotels as well as get statement credits for various purchases. You can also earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
Which Credit Card for Advertising Expenses Is Best for You?
Most business credit cards do not have advertising-specific rewards programs. However many business credit cards offer access to business rewards for general spending. Take the time to consider your specific needs, such as cashback or travel rewards. Then, look at how much you spend each month. Take full advantage of any bonus offer as long as you can meet the spending requirement within the first months of use.
If you want more options, check out some of the featured business credit cards at CompareCredit.com.
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