Best Cards for Advertising & Shipping: How to Maximize Earnings on Two Big Business Expenses Best Cards for Advertising & Shipping: How to Maximize Earnings on Two Big Business Expenses

Best Cards for Advertising & Shipping: How to Maximize Earnings on Two Big Business Expenses

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Management may guide a business to big profits, but advertising is the growth engine that drives those profits, and shipping drops the product into your customer's lap. Advertising and shipping make up two of the biggest expenses for many businesses. Companies should seize any opportunity they can to maximize the points and cash back earned on advertising and shipping expenditures. And, luckily for business owners, there are small business credit cards that offer bonus rewards on precisely those categories.

Credit card issuers have different definitions of what transactions will code as advertising or shipping for bonus categories. Card issuers also operate different earning structures to max out the bonus categories.

Here's everything you know about the best credit cards for advertising and shipping so you can earn the best return on your spending in these areas.

Credit Cards That Earn Bonus Points on Both Advertising and Shipping

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Welcome Offer Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee$95
Credit ScoreExcellent, Good
  • 3X points per $1 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
  • 1X point per $1 on all other purchases
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card
Limited-Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee$0 introductory annual fee for the first year, then $150Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 2X miles per dollar spent on eligible purchases made directly with Delta
  • 2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases)
  • 2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases)
  • 2X miles per dollar on eligible dining purchases
  • 1X miles per dollar on all other eligible purchases
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Welcome Bonus 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Annual Fee$199Rates & Fees
Credit ScoreExcellent, Good
  • Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
  • 2X points per $1 spent on fitness club and gym memberships
  • 1X point per $1 everywhere else

In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
  • Dining
  • Shipping
  • Airline tickets when purchased directly with the airline
  • Local transit & commuting
  • Social media & search engine Advertising
  • Car rental agencies
  • Gas stations
  • Internet, cable & phone services

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
  • 3X points per $1 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
  • 1X point per $1 on all other purchases

The Ink Preferred comes with a significant signup bonus and well-thought-out bonus categories. The 90,000-point bonus could provide substantially more than $1,500 in value if transferred out to Chase’s travel partners and redeemed for high-value travel. The combination of social and search advertising with shipping, phone, and travel should cover the majority of small business owners for bonus categories. It also offers the potential to earn nearly half a million Ultimate Rewards points if you max out the bonus categories.

You'll earn 3x points on the first $150,000 of combined spending across business categories, and these include advertising purchases made with social media sites and search engines, as well as shipping purchases. Note that the spending cap applies to your cardholder year, not the calendar year, based on when you first opened the account.

If you maximize the bonus categories to the $150K cap, you’ll earn 450,000 Ultimate Rewards. Depending on how you use your points, that could be a return of 6% or more.

Related: Ink Preferred full review

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card
Apply Now
Rates & Fees
(Terms apply)
Delta SkyMiles® Gold Business American Express Card
Annual Fee$0 introductory annual fee for the first year, then $150
Limited-Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
The Delta SkyMiles® Gold Business American Express Card is a valuable tool for business travelers who only fly with Delta a few times per year. It offers 2 miles on every dollar spent on Delta purchases. Cardholders enjoy perks like a free first checked bag on Delta flights, Zone 5 Priority Boarding, and 20% savings on select in-flight purchases. A standout feature is the $200 Delta Flight Credit after spending $10,000 in a calendar year. Plus, members can save 15% when using miles to book Delta award travel.
  • Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
  • $0 introductory annual fee for the first year, then $150
  • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
  • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
  • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
  • Rates & Fees
  • 2X miles per dollar spent on eligible purchases made directly with Delta
  • 2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases)
  • 2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases)
  • 2X miles per dollar on eligible dining purchases
  • 1X miles per dollar on all other eligible purchases

Those looking for a good credit card for advertising or shipping expenses without a hefty annual fee will like the Delta Gold Business Amex. It has a $0 introductory annual fee for the first year, then $150 (Rates & Fees) and offers 2x miles on U.S. purchases for advertising in select media and 2x on eligible U.S. shipping purchases (up to the first $50,000 spent in each category, then 1x earnings).

If maximized, you could earn 100,000 miles from advertising and 100,000 miles from shipping on this card each year before reverting to 1x earnings.

Related: Delta Gold Business Amex full review

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Annual Fee$199
Welcome Bonus 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
The World of Hyatt Business Credit Card is tailored for maximizing rewards on Hyatt stays and business expenses. Cardholders receive Discoverist status in the World of Hyatt program, can earn 5 Tier-Qualifying Night Credits for every $10,000 spent, and enjoy up to $100 annual Hyatt credit. A 10% point redemption bonus is available for spending over $50,000 in a year.
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases.
  • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
  • Member FDIC
  • Rates & Fees
  • Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
  • 2X points per $1 spent on fitness club and gym memberships
  • 1X point per $1 everywhere else

In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
  • Dining
  • Shipping
  • Airline tickets when purchased directly with the airline
  • Local transit & commuting
  • Social media & search engine Advertising
  • Car rental agencies
  • Gas stations
  • Internet, cable & phone services

If utilized strategically, the World of Hyatt Business Credit Card can be an excellent card for earning bonus points on advertising and/or shipping. The card earns 4X at Hyatt hotels; 2X on fitness club and gym memberships; 2X on your top three spending categories each quarter (from a list of eligible categories); and 1X on other eligible purchases. Those eligible categories include:

  • Dining
  • Shipping
  • Airline tickets when purchased directly with the airline
  • Local transit & commuting
  • Social media & search engine advertising
  • Car rental agencies
  • Gas stations
  • Internet, cable & phone services

Remember that World of Hyatt points typically provide 2.19¢ per point in value in recent redemptions. So, earning 2x can be a significant return on spending.

Related: Hyatt Business Card full review

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Apply Now
Rates & Fees
(Terms Apply)
The Blue Business® Plus Credit Card from American Express
Annual FeeNo annual fee
Welcome Offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
The best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday purchases.
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply.
  • Rates & Fees
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

The Blue Business Plus doesn't earn extra points on specific spending categories. Instead, the biggest perk with this business card is that everything you purchase will earn you 2X Membership Rewards points on up to $50,000 in annual spending (then 1X).

The Blue Business Plus also offers 0% intro APR on purchases for the first 12 months. That can be an underrated perk that can help tremendously when starting a business. 0% APR can not only buy you extra time to pay off expenses, but helps manage cash flow that could be used elsewhere.

There aren't many cards out there that offer 2x points on all business spending with both a $0 annual fee and 0% APR for the first 12 months. Depending on your business spending, this could be your go-to card for shipping and advertising purchases in order to max out higher earning potentials on other cards.

Related: Blue Business Plus full review

Credit Cards That Earn Bonus Points on Advertising Purchases

Sapphire Reserve for Business℠
Sapphire Reserve for Business℠
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Annual Fee$795Rates & Fees
Credit ScoreExcellent, Good
  • 8X points on all Chase Travel℠ purchases
  • 5X total points on eligible Lyft rides through 9/30/2027
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases made with social media platforms and search engines
  • 1 point per dollar on all other eligible purchases
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
Welcome Bonus Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
Annual Fee$99Rates & Fees
Credit ScoreGood, Excellent
  • Earn up to 26X total points per $1 spent when you stay at an IHG hotel
  • 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
  • 3X points per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for charging your stay to your IHG One Rewards Premier Business Credit Card
  • Earn up to 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
  • Earn up to 10X base points for being an IHG® One Rewards Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
American Express® Business Gold Card
American Express® Business Gold Card
Welcome Offer Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Annual Fee$375Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each billing cycle from the list below:
  • U.S. purchases 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 gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • 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.
*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.

Sapphire Reserve for Business℠

Sapphire Reserve for Business℠
Sapphire Reserve for Business℠
Annual Fee$795
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Chase’s flagship business travel card. Earn 8x on Chase Travel℠ purchases, 4x on flights and hotels booked directly, and 3x on eligible ad spend. Get $300 in travel credit, VIP lounge access, and premium travel protections to elevate every business trip.
  • Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
  • Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
  • Earn 5x total points on Lyft rides through 9/30/27.
  • Earn 4x points on flights & hotels booked direct.
  • Earn 3x points on social media & search engine advertising.
  • Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
  • Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
  • Member FDIC
  • Rates & Fees
  • 8X points on all Chase Travel℠ purchases
  • 5X total points on eligible Lyft rides through 9/30/2027
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases made with social media platforms and search engines
  • 1 point per dollar on all other eligible purchases

The new Sapphire Reserve for Business℠ is now an excellent choice for small businesses with significant advertising spending. Purchases made with social media platforms and search engines earn 3x Ultimate Rewards points that can be transferred to 14 Chase transfer partners or redeemed for up to 2 cents each through Chase Points Boost.

Even better, new cardholders can earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.

American Express® Business Gold Card

American Express® Business Gold Card
American Express® Business Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Business Gold Card
Annual Fee$375
Welcome Offer Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
The American Express® Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at FedEx, Grubhub, and U.S. Office Supply Stores, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
  • Rates & Fees
Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each billing cycle from the list below:
  • U.S. purchases 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 gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • 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.
*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.

The Amex Business Gold card is a go-to card for small business owners wanting to benefit from advertising spend. However, the shipping category on this card was removed on January 31, 2024, so if this was one of your reasons for applying for or holding this card, you'll need to look at other options.

Cardholders earn 4x on their two top eligible spending categories each month, from among these categories:

  • U.S. purchases for advertising in select media (online, TV, and radio)
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • 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.

Amex's definition of “advertising” on the Amex Business Gold is a touch broader than the Ink Preferred‘s, incorporating online, television, and radio advertising. However, the purchases must be made directly with a U.S. merchant.

The cap for all 4x bonus categories is $150,000 each year before purchases revert to earning 1 point per $1 spent. That's equivalent to the spending maximum on the Ink Preferred, and you don't need to pick a category. Whichever categories you spend the most in, those are your 4x categories for the month.

Related: Amex Business Gold full review

IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
Annual Fee$99
Welcome Bonus Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
The IHG One Rewards Premier Business Credit Card earns up to 26x points at IHG Hotels & Resorts, plus 5x on travel, gas stations, dining, and social media advertising, and 3x on all other purchases. Cardholders enjoy an anniversary free night, automatic Platinum Elite status, and a Global Entry, TSA PreCheck, or NEXUS application fee credit, making it perfect for frequent travelers who favor IHG properties.
  • Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier Business cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
  • IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC
  • Rates & Fees
  • Earn up to 26X total points per $1 spent when you stay at an IHG hotel
  • 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
  • 3X points per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for charging your stay to your IHG One Rewards Premier Business Credit Card
  • Earn up to 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
  • Earn up to 10X base points for being an IHG® One Rewards Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

The IHG One Rewards Premier Business Credit Card is another option for earning bonus points on advertising. In addition to earning 10x points on spending at IHG properties, cardholders earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Plus, cardholders get automatic IHG Platinum Elite status, an anniversary free night, and other travel perks like a Global Entry, TSA PreCheck, or NEXUS application fee credit.

Just keep in mind that IHG points are typically redeemed for 0.68¢ each. So, 5x earnings only nets around 3.4% return on spending.

Credit Cards That Earn Bonus Points on Shipping Purchases

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Welcome Offer Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Annual Fee$695Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on each eligible purchase of $5,000 or more.
  • Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
  • Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
  • Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. shipping providers.
  • 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.
AmexBonvoyBiz
Marriott Bonvoy Business® American Express® Card
Welcome Bonus Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
Annual Fee$125Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x Marriott Bonvoy® points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x Marriott Bonvoy® points per dollar on all other eligible purchases
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Limited-Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Annual Fee$350Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 3X miles per dollar spent on eligible purchases made directly with Delta
  • 3X miles per dollar spent on eligible purchases with hotels
  • 1.5x miles on eligible purchases over $5,000 (up to 50,000 bonus miles annually)
  • 1.5X miles on eligible transit and U.S. shipping purchases*
  • 1X miles per dollar on all other eligible purchases.
*If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Apply Now
Rates & Fees
(Terms apply)
The Business Platinum Card® from American Express
Annual Fee$695
Welcome Offer Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
The Business Platinum Card® from American Express is a powerhouse for business travelers, offering cardholders up to $1,150 in yearly Dell Technologies credits, up to $360 with Indeed, $250 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $209 CLEAR® Plus credit, Marriott Bonvoy™ and Hilton Honors™ Gold Statuses, exclusive Fine Hotels + Resorts® benefits, and a TSA PreCheck® or Global Entry fee credit. Enrollment required for select American Express benefits.
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
  • Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • 5X points on flights and prepaid hotels booked on AmexTravel.com
  • 1.5X points (that's an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 1X points on other eligible purchases
  • Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • $695 Annual Fee.
  • Terms Apply.
  • Rates & Fees
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on each eligible purchase of $5,000 or more.
  • Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. construction material and hardware suppliers.
  • Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
  • Earn 1.5X Membership Rewards® points on each eligible purchase with U.S. shipping providers.
  • 1.5X earning rates are subject to a cap of $2 million in purchases per calendar year.

With the Business Platinum Card, you'll get a slew of travel-related perks like lounge access and hotel elite status, but you'll also earn 1.5 points for each $1 spent in select business categories. Eligible categories include shipping providers, plus the 1.5x earnings also apply to any purchase of $5,000, no matter what category it's in. However, you'll only earn 1.5x on the first $2 million of purchases in these categories annually.

While other cards can provide a better return on shipping and advertising expenses, the Business Platinum Card offers benefits the others don't. That might sway your opinion.

Related: Business Platinum Card full review

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card
AmexBonvoyBiz
Apply Now
Rates & Fees
(Terms apply)
Marriott Bonvoy Business® American Express® Card
Annual Fee$125
Welcome Bonus Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
The Marriott Bonvoy Business® American Express® Card offers a suite of benefits ideal for frequent travelers and Marriott loyalists. Key benefits include complimentary Marriott Bonvoy® Gold Elite status, offering perks like late checkout and bonus points on stays. Cardholders also enjoy a 7% discount on eligible Marriott bookings, 15 Elite Night Credits annually, a Free Night Award each year post-renewal, and an additional Free Night Award after $60,000 annual spend. Enrollment is required for select Amex benefits.
  • LIMITED TIME OFFER: Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.
  • Rates & Fees
  • 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x Marriott Bonvoy® points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x Marriott Bonvoy® points per dollar on all other eligible purchases

If you want to use your business spending to earn hotel points for free stays, the Marriott Bonvoy Business Card is a great option. You'll earn 4x points for each dollar spent on U.S. purchases for shipping. However, you'll earn just 2x for advertising.

Beyond just earning points for free stays, the Marriott Bonvoy Business Card offers automatic Marriott Bonvoy® Gold Elite status, and you'll receive a free night award (worth up to 35,000 points) automatically on each account anniversary. You can earn another free night award each year by spending $60,000 or more on your card.

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Apply Now
Rates & Fees
(Terms apply)
Delta SkyMiles® Platinum Business American Express Card
Annual Fee$350
Limited-Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
The Delta SkyMiles® Platinum Business American Express Card offers a range of benefits for business travelers, especially those frequently flying with Delta. Cardholders earn 3 miles per dollar on direct Delta and hotel purchases, and 1.5 miles on large purchases of $5K or more, up to 50K additional miles per year. Key benefits include a Domestic Delta Main round-trip companion certificate annually upon card renewal, Zone 5 Priority Boarding, a free first checked bag on Delta flights, and 20% savings on select in-flight purchases. Additionally, the card provides a statement credit for Global Entry or TSA PreCheck® fees. Enrollment required for select American Express benefits.
  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
  • Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.
  • Rates & Fees
  • 3X miles per dollar spent on eligible purchases made directly with Delta
  • 3X miles per dollar spent on eligible purchases with hotels
  • 1.5x miles on eligible purchases over $5,000 (up to 50,000 bonus miles annually)
  • 1.5X miles on eligible transit and U.S. shipping purchases*
  • 1X miles per dollar on all other eligible purchases.
*If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Lastly, the Delta SkyMiles® Platinum Business American Express Card earns 1.5X miles on U.S. shipping purchases. Between the low earning rate and geographic restrictions, this isn't the most compelling card on the list from an earning standpoint. However, it might be the right fit for your business thanks to the travel perks the card offers: Domestic Delta Main round-trip companion certificate annually upon card renewal, Zone 5 Priority Boarding, a free first checked bag on Delta flights, and 20% savings on select in-flight purchases.

a person at a small business packs a box to prepare for shipping
Credit: Bench Accounting/Unsplash

What Counts as an Advertising Purchase for Bonus Rewards?

American Express

Amex defines the U.S. advertising category as follows:

“To earn additional rewards for advertising, purchases of online, television and radio advertising must be purchased in the U.S. directly from media providers in order to promote a business.

You will NOT earn additional rewards for direct mail services including list/lead generation.”

Chase

Chase defines this category as follows:

“Merchants in this category include social media websites and online search engines that advertise a business, brand, products or services. Advertising purchases that are not made directly from a social media website or online search engine merchant may not qualify; for example, advertising purchases made through a third party such as an ad agency or web designer offering related services. Also, purchases from social media websites or online search engines that are not for advertising will not qualify; for example, subscription or app purchases.”

a man uses his laptop at a desk
Credit: Bench Accounting/Unsplash

What Counts as a Shipping Purchase for Bonus Rewards?

American Express

Amex defines the U.S. shipping category like this:

“To earn additional rewards for shipping, the purchase must be made at courier, postal, and freight shippers located in the U.S.

You will NOT earn additional rewards on shipping costs added to retail purchases (e.g., online or catalog purchases).

You will also NOT earn additional rewards for moving services, local trucking, and trash removal.”

Chase

Chase defines this category as follows:

“Merchants in this category specialize in mailing packages, hauling freight, and transporting goods or documents. Shipping merchants include couriers, postal and freight shipping companies, express shipping services and mailbox stores. Merchants who sell a wide variety of general goods but also ship items, including office supply stores that also mail packages will not be included in this category. The additional cost to ship something you buy, or using a third party (such as Amazon) for bulk warehousing and shipping will not qualify. Merchants that primarily sell boxes, packing tape, bubble wrap or other shipping supplies are also not included in this category. All trademarks are the property of their respective owner(s).”

Final Thoughts

All of these cards have attractive features, and if you spend heavily on advertising and shipping, you may need to have them all on your radar. If the majority of advertising spend is online or you’ll spread an even mix of spending across different categories, the Ink Preferred comes out ahead on points earning potential.

If you're in a position to spend a significant amount on advertising, you might consider getting multiple cards to ensure you're getting the most out of every dollar you spend.

For rates and fees of the cards mentioned in this post, please visit the following links: Delta SkyMiles® Gold Business American Express Card (Rates & Fees), World of Hyatt Business Credit Card (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), IHG One Rewards Premier Business Credit Card (Rates & Fees), American Express® Business Gold Card (Rates & Fees), The Business Platinum Card® from American Express (Rates & Fees), Marriott Bonvoy Business® American Express® Card (Rates & Fees), and Delta SkyMiles® Platinum Business American Express Card (Rates & Fees)

AwardWallet Tip of The Day
Did you know that AwardWallet doesn’t solely focus on travel-related loyalty programs? We support many retail loyalty programs including grocery stores, gas stations, pharmacies and more. You can browse the full list of the programs that AwardWallet supports.
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