You are already using FastVideoSave to archive content and AI tools to edit it. But if you are serious about growing, you are likely spending money too.
Whether it’s paying for Adobe Creative Cloud, buying a new Sony A7SIII, or running Facebook Ads to boost your Reels—being a creator is expensive.
If you are using your personal debit card for these expenses, you are literally throwing free money away.
In 2025, banks have finally realized that “Content Creator” is a real business. There are now credit cards designed specifically for influencers that offer massive rewards on ad spend and equipment.
Here are the 5 best business credit cards to fund your creator journey in 2025.
1. Karat Business Card (Best for Influencers)
The Karat Card is unique because it doesn’t just look at your FICO score. It looks at your Social Follower Count. It is designed specifically for YouTubers, Instagrammers, and Streamers.
- Best Feature: “Creator Limits” – Your credit limit is based on your social stats and revenue, not just your credit history.
- 💰 Annual Fee: $0 (No Fee).
✅ Pros:
- Custom card metal design with your logo.
- Perks include free access to creator events and networking.
- No personal guarantee required (protects your personal assets).
❌ Cons:
- You need at least 100k followers or significant revenue to apply.
⚠️ Who Should Avoid It? Brand new creators with zero revenue. You need a track record to get approved.
2. American Express® Business Gold (Best for Ad Spend)
If you run a marketing agency (like Ecom Lifters) or spend heavily on paid ads, this is the king of cards.
- Best Feature: 4X Points on Ads – You earn 4 points for every $1 you spend on Facebook Ads, Google Ads, and TikTok Ads (up to $150k/year).
- 💰 Annual Fee: $375 (Tax deductible).
✅ Pros:
- Massive points earning potential if you run ads.
- Points transfer to airlines for free business class flights.
- Flexible spending limit that grows with your business.
❌ Cons:
- High annual fee (but it pays for itself if you spend >$1k/month on ads).
Pro Tip: Use your Amex points to pay for your Adobe Premiere or InVideo subscriptions (reviewed in our Software Guide).
3. Chase Ink Business Preferred® (Best All-Rounder)
This is the favorite card of most digital marketers. It offers arguably the best travel rewards in the world.
- Best Feature: 3X Points on Travel & Ads – Earn 3X points on travel, shipping, internet, cable, and online advertising.
- 💰 Annual Fee: $95.
✅ Pros:
- Low annual fee.
- Huge signup bonus (often 100k points = $1,250 value).
- Cell phone protection (if you break your iPhone filming a Reel, they cover it).
❌ Cons:
- Hard to get approved if you have opened many personal cards recently (Chase 5/24 rule).
4. Capital One Spark Cash Plus (Best for Gear)
If you don’t care about “Airline Miles” and just want cold, hard cash back to buy more camera gear, this is the card for you.
- Best Feature: Unlimited 2% Cash Back – No categories, no caps. You get 2% back on everything you buy.
- 💰 Annual Fee: $150 (Refunded if you spend $150k).
✅ Pros:
- Simple. No complex point calculations.
- No foreign transaction fees (great for travel vloggers).
- High limits for buying expensive gear (MacBooks, Cameras).
❌ Cons:
- It is a “Charge Card,” meaning you must pay the balance in full every month.
5. Blue Business® Plus Credit Card (Best for Beginners)
Just starting out? This is the best “No Annual Fee” card to separate your business expenses from your personal life.
- Best Feature: 2X Points on Everything – Earn 2X points on all purchases up to $50k/year.
- 💰 Annual Fee: $0.
✅ Pros:
- Free to hold forever.
- 0% Intro APR (great if you need to buy a laptop now and pay it off later).
- Earns valuable Amex Membership Rewards points.
❌ Cons:
- Foreign transaction fees apply (don’t use it outside the USA).
Buyer’s Guide: How to Choose a Creator Card?
1. Identify Your Biggest Expense
- Spending on Ads? Get the Amex Gold (4X points).
- Spending on Gear? Get the Spark Cash (2% Back).
- Spending on Travel? Get the Chase Ink (3X points).
2. The “Personal Guarantee” Trap
Most business cards require a “Personal Guarantee,” meaning if your business fails, you are personally liable.
- Exception: The Karat Card and some corporate cards (like Brex) do not require a personal guarantee.
3. Check the “Merchant Code”
If you want the 4X points on ads, make sure the platform you are using (e.g., Facebook, Pinterest) codes as “Advertising.”
- Warning: Buying “Boosts” from the Instagram App on an iPhone often codes as “iTunes Software” (1X point) instead of “Advertising” (4X points). Always run ads from the Desktop Ads Manager!
Conclusion
Treating your content creation like a business is the first step to making it one.
Stop using your personal debit card. Apply for the Chase Ink (for value) or Karat (for status) and start earning a return on every dollar you invest in your growth.