Are you looking to maximize your Facebook ad spending and earn rewards while you’re at it?
Credit cards offer a convenient way to pay for your ads while earning cashback and rewards points.
But with so many options available, how do you choose the best credit card for your Facebook ad campaigns?
Look no further!
This article compiled a list of the 7 best credit cards for Facebook ads in 2023.
From virtual cards to cashback rewards and more, we’ll help you find the perfect card to suit your online advertising needs.
Our recommendations are carefully researched and based on factors such as rewards programs, annual fees, and interest rates.
So whether you’re a small business owner or a seasoned marketer, you can trust our expert analysis to help you make an informed decision.
1. Ink Business Preferred®: For the first $150,000 spent on Google Ads or advertising purchases.
Sign-up bonus: Earn 100,000 points extra after spending $15,000 in the first 3 months
Annual fee: $95
Ink Business Preferred® Pros
Ink Business Preferred® Cons
With the Ink Business Preferred Credit Card, you can:
- Earn 3x points on the first $150,000 spent annually on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1x points per $1 on everything else.
Google Ads fall under “advertising purchases made with social media and search engines”, so using the Chase Ink Preferred will instantly unlock three times the points.
- If the annual cap of $150,000 is reached, 450,000 Chase Ultimate Rewards points are earned, worth $5,625 when redeemed for travel, or $4,500 for cash back.
- By spending $15,000 in the first 3 months of account opening, an additional 100,000 bonus points can be earned, totaling 550,000 points in the first year.
The 550,000 points are worth $6,875 when redeemed for travel or $5,500 for cash back.
- The card has an annual fee of $95.
2. American Express® Business Gold Card: for the next $150,000 spent on Google Ads or advertising purchases.
Current Offer: Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months
Annual Fee $295
Rewards Rate: 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases
American Express® Business Gold Card Pros
American Express® Business Gold Card Cons
After reaching the spending cap on the Ink Business Preferred, switch to the American Express Business Gold Card to:
- Earn 4X Membership Rewards points for the first $150,000 spent in two select categories each year (then 1X), and 1 point per $1 spent on other eligible purchases.
Select your own categories, and it is recommended to choose one that includes online advertising. For instance, with the Amex Business Gold, you can use “U.S. purchases for advertising in select media (online, TV, radio)” as one of your categories and then use this card for your Google Ads or advertising purchases spend to earn extra rewards.
- Reaching the $150,000 cap on Amex Business Gold means earning 600,000 Membership Rewards points, worth $7,500 if redeemed for a flight with American Express Travel (25% points back) or $3,600 for a statement credit.
- The card has an annual fee of $295.
3. Capital One Spark Cash Plus: After maxing out the first 2 cards.
Current Offer: Earn up to $1,000 cash bonus – $500 after spending $5,000 in the first 3 months, plus $500 after spending $50,000 in the first 6 months
Annual Fee $150
Rewards Rate: 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel
Capital One Spark Cash PlusPros
Capital One Spark Cash Plus Cons
To supercharge your rewards earnings, start using Capital One Spark Cash Plus after using the other two cards enough.
With the Capital One Spark Cash Plus card, you can :
- Earn up to 5% cash back on each Google Ads or advertising purchases expenditure.
You can request an actual check with Capital One, which can be used any way you wish.
- To maximize the cashback, deposit it into a Simple Employment Pension (SEP-IRA) to build a nice retirement fund.
- Capital One Spark Cash for Business Credit Card offers an early spend bonus of up to $1,000 cash bonus — $500 after spending $5,000 in the first 3 months, plus $500 after spending $50,000 in the first 6 months.
- The annual fee for Capital One Spark Cash Plus is $150.
4. American Express Business Platinum Card®
Welcome bonus: Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months (Terms apply)
Annual fee: $695
American Express Business Platinum Card® Pros
American Express Business Platinum Card® Cons
Optimizing your rewards with The Business Platinum Card® from American Express can be achieved by incorporating Google Ads strategies. By changing your billing threshold to $5,000, Google will bill you every time your spending reaches that amount, rather than multiple smaller payments. To increase your billing threshold, simply submit a request to Google Ads support.
This strategy becomes valuable when using The Business Platinum Card® since it offers extra rewards for purchases of $5,000 or more. For instance, the card earns 5X points on flights and prepaid hotels on Amextravel.com and 1.5X points on eligible purchases of $5,000 or more (up to $2 million per year, then 1X). You also get access to Delta and Centurion Lounges, which is beneficial if you travel frequently for business.
With the new ad spend threshold, you can earn 50% more points on purchases of $5,000 or more, equivalent to 1.5 points per dollar spent instead of one point. The Business Platinum Card® from American Express has a welcome bonus of earning 120,000 Membership Rewards points after spending $15,000 on eligible purchases within the first 3 months (Terms apply), and an annual fee of $695.
When you’ve exhausted your rewards on your current business credit cards but still have to make other Google Ads purchases, it’s time to explore other cards that offer perks you’re more likely to use. Here are some of the best business credit cards with programs that offer various perks:
5. World of Hyatt Credit Card: $140,000+ Spent
Current Offer: Earn up to 60,000 points: 30,000 points after spending $3,000 on purchases within the first 3 months, plus an additional 30,000 points by earning 2 bonus points per $1 spent on purchases that earn 1 bonus, up to $15,000 spent in the first 6 months
Annual Fee $95
Rewards Rate: 9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else
World of Hyatt Credit Card Pros
World of Hyatt Credit Card Cons
The World of Hyatt Credit Card: Earn Globalist Status if you spend $140,000, Hyatt’s highest status level that offers travel perks like suite upgrades.
However, as this is a consumer card, avoid mixing it up with your business cards. While you can use a consumer card for business purchases, avoid putting personal expenses on a business card.
6. Delta SkyMiles® Reserve American Express Card
Current Offer: Earn 90,000 bonus miles after spending $6,000 in the first 6 months (limited-time offer ends 3/29/23)
Annual Fee $550
Rewards Rate: 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases
Delta SkyMiles® Reserve American Express Card Pros
Delta SkyMiles® Reserve American Express Card Cons
If you frequently travel Delta, this consumer card offers additional perks like lounge access and priority upgrades to First Class or Delta One to make travel more comfortable. Plus, you can earn bonus Medallion Qualification Miles annually by spending $30,000 on the card. The annual fee for this card is $550 (See rates and fees).
7. Citi Double Cash Card
No Welcome bonus
Annual fee: $0
Cash back 2%
Citi Double Cash Card Pros
Citi Double Cash Card Cons
The Citi® Double Cash Card is a highly rated cash-back credit card that now has the added benefit of earning Citi ThankYou Points. Cardholders can earn a total of 2% on all purchases, with 1% cash back earned at the time of purchase and an additional 1% earned when paying off the purchase balance.
Cash back is issued as ThankYou Points, with 1 point earned per $1 spent on purchases and an additional point earned for every $1 paid on the purchase balance, provided that a corresponding balance is present in the Purchase Tracker.
The Double Cash card is an excellent choice for those seeking a simple, everyday credit card with no annual fee.
However, there are no bonus categories and foreign transactions carry a 3% fee. Additionally, premium travel benefits are not included.
Can I use virtual cards for Facebook ads?
Absolutely! Employing virtual cards is an excellent method of keeping your Facebook ad spending separated from your personal or business finances.
There are multiple options for obtaining virtual cards for Facebook ads. One possibility is to utilize a service like Stripe or Adyen, which offers prepaid Visa or Mastercard cards that can be loaded with funds and then utilized to pay for Facebook ads.
Alternatively, you can leverage a service like Skrill or Payoneer to acquire virtual prepaid Mastercards that can be used to pay for your Facebook ads.
Lastly, you can generate a virtual card number with a specific spending limit for your Facebook ad expenditure by using a traditional credit card. This can typically be accomplished through the majority of major credit card issuers’ websites by logging in to your account and accessing the “Card Management” section.
Which virtual card is best for Facebook ads?
There are a few options available, and the ideal one for you will ultimately depend on your specific needs and preferences.
If you’re interested in earning cashback rewards, the Discover it® Cash Back card is a fantastic choice. You can earn up to 5% cash back on up to $1,500 in combined purchases each quarter at restaurants, gas stations, grocery stores, and more. Plus, you’ll earn 1% cash back on all other purchases, with no annual fee and no expiration date on your cashback rewards.
On the other hand, if you prefer a card with travel rewards, the Chase Sapphire Preferred® Card might be right up your alley. You’ll earn 2x points on dining and travel expenses worldwide, as well as 1x point on all other purchases. Your points can be redeemed for travel via Chase Ultimate Rewards®, or transferred to one of Chase’s hotel or airline partners. The card comes with a $95 annual fee.
Regardless of which virtual card you ultimately decide to use, you can rest assured that you’ll be able to take advantage of Facebook Ads’ benefits while also earning rewards that can potentially save you money on future purchases.
Which card is best for Facebook boost?
There are a variety of credit cards available that offer cash back or rewards for advertising purchases on Facebook.
Still, the optimal choice will ultimately depend on your individual spending habits and requirements.
If you frequently utilize Facebook Ads and wish to maximize your rewards, the Citi Double Cash Card could be a solid selection. You’ll earn an impressive 2% cash back on all of your Facebook advertising expenditures, making it a breeze to accrue rewards. Furthermore, with no annual fee, you’ll be able to retain more of your hard-earned money.
On the other hand, if you’re searching for a card with no annual fee and a lower interest rate, the Discover it® Secured Credit Card might be a better option. You’ll earn 1% cash back on all Facebook ad expenditures, and you’ll enjoy an introductory APR of 0% for the first 14 months (after which the APR will be 21.49% variable). This could assist you in saving money on interest if you carry a balance from one month to the next.
Ultimately, the perfect credit card for Facebook Ads is contingent upon your unique spending habits and requirements. Take the time to compare various options before determining which one is best suited to your needs.
What cards can you use for Facebook ads?
The answer is that you can use any major credit card to fund your ads. Nevertheless, certain cards provide cashback or rewards programs that can help you save money on your advertising purchases.
If you want to maximize your rewards, the best credit cards for Facebook Ads are those that offer the highest cashback or rewards rate on your advertising spend. Cards that offer flat-rate cash back or points/miles per dollar spent are generally the best choices.
Additionally, some cards also offer bonus categories that may rotate throughout the year. If you can locate a credit card or business credit card that offers bonus rewards on advertising spending, this can be an even better way to save money on your Facebook Ads campaigns.
Make sure to check out the different cards and their rewards programs before deciding which one is right for you.
Can I use PayPal to pay for Facebook ads?
Yes, you can use PayPal to pay for Facebook ads.
You can either set up a PayPal account and link it to your Facebook account, or you can pay for your Facebook ads with a credit or debit card through PayPal.
In conclusion, using the right credit card for your Facebook Ads campaigns can help you save money and maximize your rewards. Whether you want a card with cashback rewards, travel rewards, or no annual fee, there are many options available to fit your specific needs and preferences.
Some of the best credit cards for Facebook Ads include the Citi Double Cash Card, Discover it® Secured Credit Card, Discover it® Cash Back Card, and Chase Sapphire Preferred® Card. Each card has its own unique benefits and rewards program, so it’s important to compare them carefully to find the one that best fits your advertising goals and budget.
Ultimately, with a little research and planning, you can find the perfect credit card to use for your Facebook Ads campaigns and make the most of your advertising budget.