Are you a business owner or individual looking to advertise on TikTok?
Discover the top credit cards for maximizing your advertising budget and earning rewards.
From cashback options to points-based rewards, we’ve researched and ranked the 8 best credit cards for TikTok ads.
Find the perfect card for your needs and start reaping the benefits of advertising blue business on this popular social media platform.
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 purchase 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
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.
Cashback 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.
How do I add a credit card to TikTok?
Adding a credit card to TikTok for advertising purposes is a simple process. To get started, open the TikTok app and navigate to your profile. From there, click on the three dots in the top right corner and select “Balance.” Next, click on “Add Payment Method” and enter your credit card information, including the card number, expiration date, and CVV code. TikTok accepts most major credit cards, including Visa, Mastercard, and American Express. Once your credit card has been added, you can use it to fund your advertising campaigns on TikTok and start reaching a wider audience with your content. Remember to keep your credit card information secure by only using it on trusted and reputable websites and apps.
How do I pay for TikTok ads?
To pay for TikTok ads, you will first need to add a payment method to your TikTok Ads account. This can be done by navigating to the “Payment Methods” tab in your Ads Manager and clicking on “Add Payment Method.” TikTok accepts most major credit cards, including Visa, Mastercard, and American Express. You can also choose to link a PayPal account for payment. Once you have added a payment method, you can create and run ad campaigns on TikTok. During the campaign creation process, you will be prompted to select your payment method and set a budget for your ads. TikTok will charge your payment method based on the ad spend incurred during the campaign. It is important to ensure that you have sufficient funds in your account to cover the cost of your ad campaigns and to monitor your ad spending closely to ensure that you are staying within your budget.
Does TikTok accept debit cards?
TikTok currently only accepts credit cards and PayPal as payment methods for TikTok ads. Debit cards are not currently accepted. If you do not have a credit card or PayPal account, you may need to consider alternative payment methods or obtain a credit card in order to pay for TikTok ads. It is important to note that some debit cards may have a credit card logo on them, but they may not be accepted as credit cards by TikTok. Therefore, it is always best to check TikTok’s payment policies and guidelines to confirm which payment methods are accepted before attempting to make a payment for TikTok ads.
How much should I pay for TikTok ads?
The cost of TikTok ads can vary depending on a number of factors, including your target audience, ad format, and campaign objectives. TikTok uses an auction-based system to determine ad pricing, meaning that the cost of your ads will be determined by the competition for ad space and the targeting criteria you select. As a general rule of thumb, TikTok recommends setting a minimum budget of $50 per ad group, but this can vary depending on the scope and scale of your ad campaigns. It is important to carefully consider your campaign objectives and target audience in order to determine an appropriate budget for your TikTok ads. Additionally, it is important to monitor your spending closely and make adjustments to your budget and targeting criteria as needed in order to optimize your ad campaigns and achieve your desired results.
In conclusion, TikTok has become a popular platform for businesses and individuals alike to advertise and promote their content. By using the right credit card and payment methods, you can maximize your advertising budget and earn rewards or cashback while reaching a wider audience on TikTok. We’ve researched and ranked the top 7 credit cards for TikTok ads in 2023, and provided step-by-step instructions on how to add a payment method to your TikTok Ads account. Remember to carefully consider your campaign objectives and target audience when setting your budget, and to monitor your spending closely in order to optimize your ad campaigns and achieve your desired results. By following these tips and utilizing the right payment methods, you can take your TikTok advertising to the next level and reach even more viewers with your content.
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