Introduction
Running paid ads — whether Facebook, Google, TikTok, Pinterest, or YouTube — means you’re constantly cycling thousands of dollars each month. If you’re pulling creative references or competitor ads using FastVideoSave, pairing that workflow with a strong credit card for ad spend can earn you thousands of dollars in points every year.
This guide breaks down the best cards for Facebook ads, Amex Gold vs Chase Ink for ads, high-limit business cards, and the reward multipliers that actually matter. We’ll also link to our Tax Write Offs guide since ads and ad tools can often be deductible business expenses.
Why You Need a Dedicated Credit Card for Ad Spend
Ad accounts spend fast — and you need a card that supports:
- High monthly volumes
- Bonus multipliers on advertising categories
- Large credit limits (or charge-card flexibility)
- Strong fraud protection
- Easy receipt tracking
- Reward redemption flexibility
Good cards can turn your ad budget into:
- Free flights
- Cashback
- Hotel credits
- Statement credits
- Growth reinvestment
Bad cards leave money on the table.
Best Credit Cards for Ad Spend (Ranked 2025)
1. Amex Business Gold — Best Overall for Facebook & Google Ads
Why Amex Gold is the king of ad spend:
- 4X points on the top 2 categories you spend the most in — including Online Advertising
- Flexible charge-card style limits that scale with usage
- Transfer partners: Delta, Emirates, Marriott, Hilton, etc.
- Ideal for high-volume media buyers
Perfect for:
Performance marketers, agencies, eCommerce brands, creators scaling paid ads.
2. Chase Ink Business Preferred — Best for Google/TikTok/YouTube Ads
Why marketers like it:
- 3X points on advertising purchases
- Legendary Chase travel ecosystem
- High approval rate for LLCs, sole props
- Excellent pairing with Sapphire Reserve
Perfect for:
Agencies, consultants, creators doing multi-platform advertising.
3. Capital One Spark Cash Plus — Best for Flat High-Volume Spend
Why it’s good:
- Unlimited 2% cash back — no category limitations
- Charge-card style structure great for scaling
- Easy bookkeeping & tax tracking
Perfect for:
Businesses wanting predictable, unlimited cashback.
4. Amex Blue Business Plus — Best No-Annual-Fee Option
Why it stands out:
- 2X points on all purchases up to $50,000/year
- Simple rewards system
- Good starter card for new advertisers
Perfect for:
Small creators, freelancers, beginner advertisers.
Reward Multiplier Table (Amex Gold vs Chase Ink)
Below is the required comparison table showing 4X vs 3X multipliers by platform:
| Platform | Amex Business Gold | Chase Ink Preferred | Notes |
|---|---|---|---|
| Facebook Ads | 4X points | 3X points | Amex wins for FB scaling |
| Google Ads | 4X points | 3X points | Both strong; Gold leads |
| YouTube Ads | 4X points | 3X points | YouTube falls under “online advertising” |
| TikTok Ads | 4X points | 3X points | Same category as digital spend |
| Pinterest Ads | 4X points | 3X points | Amex still stronger |
| LinkedIn Ads | 4X points | 3X points | High CPM categories benefit more |
| Snapchat Ads | 4X points | 3X points | Consistent across both |
Result:
Amex Business Gold wins almost universally for ad spend, unless you need travel perks from Chase Ultimate Rewards.
High Limit Business Cards for Ad Spend
If you scale ads aggressively, the following are known for very large limits:
1. Amex Business Gold / Platinum (Charge)
- Limits scale with spending history
- Perfect for agencies running ₹5–40 lakh/month in ads
2. Chase Ink Preferred
- Strong limits for LLCs and corporations
3. Capital One Spark Cash Plus
- Charge card with extremely scalable limits
4. Stripe Corporate Card (for SaaS/Ecom brands)
- Limits based on revenue, not credit score
- Excellent for rapid scaling
Amex Gold vs Chase Ink for Ads (Deep Dive)
Amex Business Gold Pros
- 4X points on digital advertising
- Best multiplier for performance marketing
- Great international airline partners
- Ideal for media buyers & agencies
Amex Cons
- Can deny purchases if ad spend spikes suddenly
- Higher annual fee
Chase Ink Preferred Pros
- 3X on ads
- Best-in-class travel ecosystem
- Great for business owners who redeem travel frequently
- High approval likelihood
Chase Cons
- 3X instead of 4X
- Transfer partners slightly weaker than Amex (in some cases)
Optimal Strategy: Use Both Cards
Many advertisers use:
- Amex Gold → Primary for all ad spend (4X)
- Chase Ink → Backup + travel ecosystem strategy
This gives you:
- Maximum multiplier
- Safety net if one card blocks a transaction
- Points diversification
How to Choose the Right Card for Your Ad Account
Choose Amex Gold if:
- You scale ads aggressively
- You want maximum returns
- You travel often using points
Choose Chase Ink if:
- You rely on Chase UR travel portal
- You want stable credit limits
- You want 3X on ads with strong support
Choose Spark Cash Plus if:
- You want predictable 2% cashback
- You reinvest everything into ads
FAQs
What’s the best credit card for Facebook ads in 2025?
Amex Business Gold (4X points).
Which card gives the highest limit for ad spend?
Amex Gold/Platinum charge cards.
Does Chase Ink give 3X on all ad platforms?
Yes — all digital advertising categories.
Can I write off my ad spend on taxes?
Yes — view our Tax Write Offs guide.
Conclusion
If you’re running Facebook, Google, or TikTok ads at any meaningful scale, choosing the right credit card for ad spend can unlock massive returns. With Amex Gold offering 4X and Chase Ink offering 3X, advertisers can convert ad budgets into travel, cashback, and reinvestment fuel.
Pair your card strategy with strong creative sourced through FastVideoSave, and you’ll have both the financial and workflow edge to grow faster than competitors.