10 Best Small Business Credit Cards For Office & Ad Spend

This article looks at the best small business credit cards for maximizing office and advertising spend. With our help, you can find credit cards that provide premium rewards on office supplies, advertising, phone services, travel, and other business spending.

Contents

We will evaluate the features, benefits, what you can expect to pay in fees, spending limits, and reward structures. Our goal is to provide you with all of the information needed to decide which credit card is best suited for your business.

Key Points

Credit Card	Explanation
American Express Business Gold	Earn flexible rewards on advertising and other high business spending.
Ink Business Preferred	Earn bonus points on social media and search engine advertising.
Ink Business Cash	Maximize cashback on office supplies, internet, phone, and utilities.
American Express Blue Business Cash	Earn straightforward cashback on everyday business purchases without complexity.
Capital One Spark Cash Plus	Get unlimited flat-rate cashback across advertising and business expenses.
American Express Blue Business Plus	Earn flexible Membership Rewards points on everyday business purchases.
Wyndham Rewards Earner Business	Earn elevated rewards on advertising while benefiting from Wyndham stays.
Southwest Rapid Rewards Performance Business	Earn rewards from advertising while receiving valuable Southwest travel benefits.
IHG One Rewards Premier Business	Earn strong rewards on advertising while maximizing IHG hotel benefits.
Capital One Spark Miles for Business	Earn travel rewards across advertising and everyday business purchases

10 Best Small Business Credit Cards to Maximize Your Office and Ad Spend

1. American Express Business Gold Card

The American Express Business Gold Card takes advantage of larger advertising and operating expenditures. When it first launched, American Express charged no annual fee.

Now, American Express charges a $375 annual fee. Each billing cycle, American Express Business Gold Card holders earn 4X Membership Rewards points on two of categories that the cardholder spends the most on each billing cycle, up to $150,000 combined purchases annually.

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Among the eligible advertising categories are online, TV, radio, and other forms of media. American Express Business Gold Card holders can also benefit from up to $240 flexible business credits each year, bringing the effective cost of the card down.

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American Express Business Gold Card Features

4X Membership Rewards: Card Members earn 4X points for the two highest eligible spend categories for the billing cycle.
4X Advertising: Eligible advertising purchases in the U.S. may provide 4X rewards for the bonus category.
$375 Annual Fee: The card charges an annual fee of $375.
Flexible Business Credits: Card Members have access to up to $240 available through Business Credits.

2. Ink Business Preferred

The Ink Business Preferred Credit Card debuted in October 2016 and is still a good choice for companies that spend a lot on digital advertising. Its annual fee of $95 is considerably lower than its peers.

Currently, new cardholders can earn 100,000 Ultimate Rewards points after spending $8,000 in the first 3 months.

The card earns 3X points on categories that include advertising on social media and search engines, on up to $150,000 combined annual spending. The points have a good redemption value both through Chase and Chase’s transfer partners.

Ink Business Preferred Features

3X Ultimate Rewards: 3X points for advertising purchases, travel purchases, shipping purchases, telecommunications services, and selected internet service purchases.
3X Advertising: Rewards for social media and search engine advertising.
$150,000 Annual Spending Limit: 3X points for the first $150,000 combined purchase spend each year
Points Bonus: A points bonus is available for a significant purchase amount for new card Members.

3. Ink Business Cash

The Ink Business Cash Credit Card is a good choice for companies that have expenses in regular office supplies and telecommunications.

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Chase has offered this product for a while now, charge a $0 annual fee currently. The card offers $1,000 cash back after spending $8,000 in the first 4 months on purchases that qualify for the introductory offer.

Businesses earn cash back at 5% on the first $25,000 spent each year with purchases made at office supply stores, and on services for internet, cable, and phone services. All other purchases are redeemable at 1% cash back, so it is useful for the daily workings of a business.

Ink Business Cash Features

5% Cash Back: For purchases of office supplies and telecommunications services.
Office Purchasing: Well suited for office purchasing for internet, cable, and phone service and supplies.
0% Annual Fee: Card charge is $0 to the business.
Points Bonus: #New card Members will receive a bonus after reaching the required purchase amount.

4. American Express Blue Business Cash

On July 18, 2019, American Express launched the Blue Business Cash Card to assist smaller businesses with their working capital. The card comes with no annual fee, which makes it appealing to businesses that are looking for an easy cash back card without paying to access premium benefits.

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Cardholders get 2% cash back on purchases, up to a maximum of $50,000 cash back per calendar year. It automatically cash backs in the form of statement credits. It works well for office expenditures, advertising, software as well as other supplies.

American Express Blue Business Cash Features

2% Cash Back: Cash Back on purchases up to the annual spending amount.
No Annual Fee: The card charges no annual fee.
Automatic Statement Credits: Earned cash back is automatically given as statement credits.
Flexible Business Spending: Can be put toward office supplies, advertising, software, and other purchases

5. Capital One Spark Cash Plus

Debuting in 2021, the Capital One Spark Cash Plus was designed to satisfy the needs of businesses with substantial spending. The $150 annual fee is rebated by the company if the business spends $150,000 the following year.

With this card, businesses get 2% cash back on every purchase, making this card perfect for office spending, advertising, and miscellaneous purchases. There is currently a welcoming offer that provides businesses $2,000 cash back after spending the required minimum of $150,000.

Capital One Spark Cash Plus Features

Unlimited 2% Cash Back: Can be earned on all purchases with no category spend limits.
High-Spending Businesses: Especially good for companies with high advertising and operational expenses.
Annual Fee: The card has a $150 annual fee that is waived with purchase spending.
Business Travel Credit: Eligible new cardholders may be given an additional Capital One Business Travel credit.

6. American Express Blue Business Plus

With no annual fee, this card draws small and medium enterprises as well as startups. Cardholders gain 2X points on all eligible purchases under the first $50,000 spent.

After this amount, points are earned at a rate of 1X. Unlike other cards that offer category-based rewards, the rewards apply to wider, general spend including advertising and office expenses.

The welcome offer may currently include an optional statement credit after the required spending, though promotions can vary by applicant.

American Express Blue Business Plus Features

2X Membership Rewards: Card earns 2X points per dollar on purchases (limited to annual spending).
No Annual Fee: Perfect for smaller businesses.
Flexible Rewards: Easier for businesses to earn points on everyday purchases.
Office and Advertising: Points can be earned on purchases of advertising and office supplies.

7. Wyndham Rewards Earner Business Card

Available for applications on September 29, 2020, this card caters to small businesses that want to incorporate both operating rewards and hotel benefits.

The current offer on this card has an annual fee of $149. This card earns 5X on spending at marketing and advertising, office supply stores and shipping, gas stations and EV charging.

Making this card a great option for businesses with big promotions and office expenses. Current offers provide up to 100,000 Wyndham Rewards points after qualifying spending. Cardholders are also given a 20% discount on free-night redemptions and a 15,000 point anniversary bonus.

Wyndham Rewards Earner Business Card Features

5X Wyndham Points: Card earns 5X points on eligible purchases of advertising, marketing, office supplies, shipping, and other purchases.
Hotel Rewards: Points are redeemable toward eligible stays at participating Wyndham hotels.
Annual Fee: Annual fee is $149 with big year-round benefits and hotel rewards.
Discounted Points: Cardholders receive a 20% discount on points redeemed for eligible free nights.

8. Southwest Rapid Rewards Performance Business

This card was introduced in 2016 and was another option for businesses to earn airline rewards both for travel and for advertising. The current annual fee is $299. The first three months of cardholder spending qualifies them for the welcome offer

for 80,000 Southwest points after spending $5,000. Historically, advertising through social media and search engines earns points, though the current benefits focus more heavily on Southwest flying and business travel.

Cardholders can earn anniversary points, receive credit for first checked bags, and receive seating benefits, among other travel benefits.

Southwest Rapid Rewards Performance Business Features

Social/PPC Advertising: Earn Southwest points on qualified social/PPC advertising.
Travel: Earn Rapid Rewards points for qualifying Southwest travel.
Fee: The Southwest Rapid Rewards Performance Business card charges a $299 annual fee.
Travel Perks: Earn anniversary points, checked baggage credits, preferred boarding, and other Southwest travel perks.

9. IHG One Rewards Premier Business

The IHG One Rewards Premier Business Credit Card is Chase and IHG’s second offering after the introduction of the Premier Business Mastercard. Following a $4,000 spend within the first 3 months, members earn 140,000 bonus points.

There is currently a $99 annual fee, but this is subject to change based on promotions. Points can be earned at 5X at social media and search engine ads, office supply purchases, travel, dining, and gas.

Cardholders receive Platinum Elite status and an anniversary free night award, as well as a total of 26X bonus points when staying at an IHG hotel.

IHG One Rewards Premier Business Features

5X IHG Points: Earn 5X points on select advertising, office supplies, travel, dining, and gas purchases.
Hotel Benefits: Earn IHG One Rewards Platinum Elite status.
Fee: The card costs $99.
Free-Night Reward: Earn a free night award at an IHG hotel.

10. Capital One Spark Miles for Business

Capital One Spark Miles for Business previously provided a simple route for business travelers to earn travel rewards with 2x miles on all purchases; 5x miles on business travel booked through Capital One; and lower rewards at 1x miles on all purchases.

The first year had a 0% annual fee that changed to $95. Unfortunately, this card is no longer available for new applications, so it should not be marketed as a new application option.

For newer options from Capital One, consider business cards. Older cards provide a flat rate rewards structure which companies benefit from more.

Capital One Spark Miles for Business Features

Travel Points: Historically, 2x points on purchases for everyday business expenses.
Flat-Rate Earnings: Used the card for advertising and miscellaneous purchases.
Fee: It charges a $95 annual fee after the introductory period with $0 for the first year.
Card Availability: This card is closed to additional applicants, so businesses may want to search for other options for credit cards.

Conclusion

In Conclusion The Best Small Business Credit Cards require considering your spending and reward preferences along with the costs and business needs.

The right card can help you earn cashback or rewards points on advertising, office supplies, travel, and other expenses. To help you decide the best card for your business, look for each card’s rewards, the cost to you in the form of annual fees, spending limits, and benefits.