The 6 Best Credit Cards for Google Ads Spend [2024]: Turn Ads Spending Into Rewards

A rewards credit card can be a great way for you to earn cash back or points for purchases you’re already making in your business. Several business credit cards offer generous rewards rates on advertising, including Google Ads spend.

When you’re choosing a business credit card, it’s important to consider all factors, including rewards on your most common business purchases, welcome bonuses, 0% APR offers, and other perks.

Let’s explore the best credit cards for Google Ads spending to see how you can use a winning strategy to earn valuable rewards on your ad purchases.

6 best credit cards for Google Ads spend

• American Express^® Business Gold Card
• Ink Business Preferred^® Credit Card
• The American Express Blue Business Cash™ Card
• Ink Business Unlimited^® Credit Card
• Capital One Spark Cash Plus
• Delta SkyMiles^® Gold Business American Express Card

Compare the best credit cards for Google Ads spend

Credit card	Excellent for	Earning rate
American Express® Business Gold Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	High advertising rewards	4X Membership Rewards Points on purchases in the two eligible categories with the most spend each month from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases
Ink Business Preferred® Credit Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Travel rewards	3X points 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; and 1X points per $1 on all other purchases
The American Express Blue Business Cash™ Card 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	No annual fee	2% cash back on the first $50,000 in eligible purchases each year, then 1% after that
Ink Business Unlimited® Credit Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Flat cash back rewards	Unlimited 1.5% cash back on every purchase
Capital One Spark Cash Plus 4.4 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	High-spend businesses	Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Delta SkyMiles® Gold Business American Express Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Airline miles	2X miles per $1 spent on eligible Delta and restaurant purchases, and on eligible U.S. shipping purchases and eligible U.S. advertising in select media up to $50,000 per category, per year. Plus, 1X miles per $1 on all other eligible purchases

American Express^® Business Gold Card

The American Express^® Business Gold Card provides excellent earning potential on advertising purchases and other common business expenses.

You can earn 4X Membership Rewards Points on purchases in the two eligible categories with the most spend each month from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases. Eligible 4X categories include:

• Purchases at U.S. media providers for advertising in select media (online, TV, radio)
• U.S. purchases made from electronic goods retailers and software & cloud system providers
• U.S. purchases at restaurants, including takeout and delivery
• U.S. purchases at gas stations
• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

On top of that, the card has plenty of other perks, including a whole slew of annual business credits, a monthly Walmart+ membership credit, and a whole host of travel-related perks.

Apply now or read our full American Express Business Gold Card review.

Ink Business Preferred^® Credit Card

The Ink Business Preferred^® Credit Card is one of our favorite cards for small business owners with online advertising expenses because of its high earning potential and flexible redemption options. Points earned can be redeemed through Chase Travel℠ at 25% more value, meaning every 100,000 points earned is worth $1250 toward travel. Points can also be transferred to airline and hotel partners where they're potentially worth even more.

This card comes with other travel perks as well, including no foreign transaction fees, travel insurance, rental insurance coverage, and more.

Apply now or read our full Ink Business Preferred Credit Card review.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card provides great earning potential up to its $50,000 spending cap.

This type of rewards rate makes sense if you typically spend $50,000 or less on advertising in a year. It could also make sense if you plan to spend $50,000 on advertising and then switch to another card.

This card also offers a bit more flexibility than other business credit cards. American Express offers Expanded Buying Power, meaning you can spend above your credit limit up to a point. And because of this card’s 0% APR intro offer on purchases, it’s a great option if you have a big purchase coming up in your business. You can take advantage of the 0% intro APR for 12 months from date of account opening on purchases, then 17.49% - 25.49% Variable.

Apply now or read our full American Express Blue Business Cash Card review.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited^® Credit Card is an excellent all-around cash back card.

It doesn’t have as high of a rewards rate compared to some cards, but it has a $0 annual fee, and there’s no limit to how much you can earn. If you’ve already hit the spending cap on other cards, this is a great card to switch to.

Thanks to its long 0% intro APR, this card could also be a good option for a large business expense. You can enjoy a 0% intro APR for 12 months on purchases (then 17.74% - 23.74% Variable).

Apply now or read our full Ink Business Unlimited Credit Card review.

Capital One Spark Cash Plus

Like some of the other cards on our list, the Capital One Spark Cash Plus offers a flat rewards rate rather than elevated rates for a few bonus categories. In this case, you could earn 2% on every purchase, every day (unlike the Blue Business Card from American Express).

It’s a particularly good option for high-spend businesses because you could spend an unlimited amount on ads and get the same generous rewards rate.

Additionally, though the card does have a $150 annual fee, you can have it waived every year you spend at least $150,000.

Read our full Capital One Spark Cash Plus review.

Delta SkyMiles^® Gold Business American Express Card

The Delta SkyMiles^® Gold Business American Express Card is a great option if you want to earn airline miles for your business spending. It offers 2X miles on some common business expenses, including advertising.

As an airline card, it also comes with plenty of travel-related perks, including:

• $200 Delta flight credit
• 15% off Award Travel
• First checked bag free
• Zone 5 priority boarding
• Up to $150 Delta Stays credit
• 20% in-flight savings
• No foreign transaction fees
• Baggage insurance¹ <p>Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
• Car rental loss and damage insurance² <p>Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>

Other options for airline business cards include the United℠ Business Card and the Southwest^® Rapid Rewards^® Premier Business Credit Card.

Apply now or read our full Delta SkyMiles Gold Business American Express Card review.

Limits on credit cards for Google Ads purchases

Earlier this year, Google sent communications to some advertisers letting them know that, starting July 31, they wouldn’t be able to use credit cards or debit cards for Google Ads purchases. It will now only accept bank-based payments from those customers.

Unfortunately, this change could do away with some business’s ability to earn credit card rewards on their advertising expenses. Reports indicate that Google is currently only requiring high-spend advertisers to use bank-based payments. However, there’s no telling whether they’ll roll this change out for all advertisers in the future.

How to maximize credit card rewards for Google Ads spending

There are plenty of strategies that can help you maximize your credit card rewards for your Google Ads spending. Some businesses might prefer a card that offers higher rewards in certain bonus categories, including advertising. On the other hand, others might prefer a solid rewards card with a flat rewards rate on all their spending.

Make sure to also keep in mind other perks the card offers. Chances are that Google Ads is just one of your business expenses. It’s likely worth exploring a card that can reward you for spending in other categories.

Finally, don’t forget you can mix and match cards to get multiple different benefits — this is especially easy if you’re pairing at least one card that doesn’t charge an annual fee. For example, you could pair a high-reward but high-annual-fee card like the American Express Business Gold with a no-annual-fee card like the Blue Business Card or Ink Business Unlimited.

Just make sure you’re not applying for too many cards at once. For example, read up on the Chase 5/24 rule before you dive in. If you get too many cards in the space of two years, you might not qualify for another Chase card — and what if a Chase card would be the best credit card for Google Ads in your situation? A simple rule of thumb is to consider opening Chase cards first, and then move on to other cards.

In the end, making the most out of your credit cards and getting the best value for your business expenses requires strategy. With a good plan, you’re likely to get more for your business buck.

FAQs

Up to 5% Cash Back

Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Cash^® Credit Card

Apply Now

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

Rewards Rate

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks

Benefits

• Solid rewards on office supply, telecom spending, gas, and dining
• Generous welcome offer
• Intro APR on purchases
• $0 annual fee
• Valuable purchase and travel protections

Drawbacks

• Bonus rewards capped after $25,000 annual spend in each category
• No bonus rewards for travel or advertising purchases
• Foreign transaction fee of 3% of each transaction in U.S. dollars

Card Details

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC