The best business credit cards for PPC

If shelling out for Adwords, Facebook adverts and other paid ads is unavoidable, maybe you can at least earn some rewards in the process.

When you think about business credit cards and expenses, ads may not be the first thing that comes to mind. However, there is really no reason not to get a rewards business credit card, use it to pay for PPC and earn tons of cashback, rewards or air miles on it. How does a free plane ticket for the Maldives in return for your latest marketing campaign sound?

There isn’t a huge choice of rewards business credit cards available on the market, but we’ve selected the top-earning ones for you.

Best credit card for earning cashback on PPC spending

If you’re looking for a great rewards card that can earn you cashback on your day-to-day business spending, the Juni Business Card is a solid choice.

Designed with digital entrepreneurs in-mind, the Juni Business Card has some nifty features if you’re planning to use it for your PPC spending. With this card, you have the ability to customise your daily spending limits (up to £250,000), meaning that if you could use this to increase your ad spend to “boost your ROAS” and earn cashback at the same time.

However, as the Juni Business Card is technically a charge card, you will have to repay your balance in full each month otherwise you could be paying a fee instead of reaping those cashback benefits.

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Best credit card for earning rewards on PPC spending

If you’d rather earn points that you can then exchange for experiences, vouchers and treats, American Express is definitely the biggest player in the game. The Amex Gold Business card earns you Membership Rewards points, just like most Amex personal cards, which you can then redeem for a huge range of rewards. Their value depends on what you use them for.

Rewards are a bit more time consuming than cashback (you need to keep an eye on your point balance, pick your rewards, use the vouchers etc), but also much more fun. Also, most people end up treating themselves with something they wouldn’t normally buy, which is a nice thing to do once in a while.

How to choose your business credit card for PPC: cashback, rewards or air miles?

When picking a rewards credit card, there are a few things to keep in mind to find the one that works best for your business. Here’s a basic checklist that should give you a good grasp of the cards you’re comparing:

  • Annual fee. All the good rewards business credit cards come with an annual fee, so be prepared. It’s a case of making sure you’ll use it enough to both make up for the annual fee and earn something on top.
  • Earn rate. Look at how many points/miles/cashback you get for every £1 you spend on the card. Cashback is often expressed as a percentage. For example, 1% cashback translates into £1 for every £100 you spend. For rewards and air miles, you also need to check how much the points/miles are actually worth and what you can do with them.
  • Sign-up bonus. It’s not a key factor if you’re looking for a credit card in the long term, but it’s usually worth a few dozen pounds, so it’s worth keeping it in mind.
  • Type of rewards. This is all about what your business could benefit the most from or what you like best. Long story short, cashback is less fussy, reward points make good treats and air miles are for globetrotters.
  • Eligibility. Don’t forget to check the eligibility criteria and make sure you can actually get the credit card you’re interested in.
  • Interest rate. If you find yourself unable to pay off your card balance in full, how much would it cost your business?
  • Extra benefits. Some business credit cards may come with added perks, such as travel insurance.

It’s pivotal to keep in mind that rewards credit cards are meant for earning rewards, not for borrowing. They thus tend to come with fairly high interest rates.

If you think you may end up carrying a balance on your business credit card, it may be worth considering a different option (such as a low-rate business credit card). If you carry a balance, the extra costs will eat away at the rewards you earn, and the card simply won’t be worth it anymore.

Compare business credit cards

1 - 10 of 33
Name Product UKCCF Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
CASHBACK
Funding Circle Business Cashback Card
4.2
★★★★★
34.9%
£0
1% uncapped cashback*
34.9% APR (variable)
Go to siteCard details
Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply.
Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
Finder Award
CASHBACK
Capital on Tap Business Credit Card
4.2
★★★★★
36.19%
£0
1 point per £1 spent
36.19% APR (variable)
Go to siteCard details
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 36.19% APR (variable).
Funding Circle FlexiPay Business Credit Card
3.9
★★★★★
0% interest, flat fee per transaction
£0
N/A
33.4% APR (variable)
Go to siteCard details
0% interest, no annual fees, spread payments over 1, 3, 6, 9 or 12 months.
Representative example: If you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
Moss Business Cashback Card
3.5
★★★★★
N/A (this product is a charge card).
Subject to plan
N/A
N/A (this product is a charge card).
Go to siteCard details
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
3.7
★★★★★
27.1%
£0
1% cashback uncapped*
27.1% APR (variable)
Go to siteCard details
Get 1% cashback uncapped on all your business spend when you spend at least £2,000 per statement month. T&Cs apply*
Representative example: When you spend £1,200 at a purchase rate of 27.1% (variable) p.a., your representative rate is 27.1% APR (variable).
Finder Award
CASHBACK
Capital on Tap Business Rewards Credit Card
4.2
★★★★★
36.19%
£99 per annum
1 point per £1 spent
58.77% APR (variable)
Go to siteCard details
Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 58.77% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Capital on Tap Pro Credit Card
4.0
★★★★★
36.19%
£299
1 point per £1 spent
112.45% APR (variable)
Go to siteCard details
Earn 10,000 bonus points when you spend £5,000 in your first 3 months. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 112.45% APR (variable).
Barclaycard Select Charge Card
3.9
★★★★★
N/A (this product is a charge card).
£42 per annum
N/A
3.6% APR (variable)
Go to siteCard details
Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.
Finder Award
OFFER
American Express Business Gold Card
3.8
★★★★★
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £195
1 points per £1 spent
N/A (this product is a charge card).
Go to siteCard details
Earn 20,000 bonus Membership Rewards® points when you spend £3,000 in the first 3 months. Terms apply.
British Airways American Express® Accelerating Business Card
3.8
★★★★★
28.2%
£250 per annum
1.5 Avios per £1 spent
107.8% APR (variable)
Go to siteCard details
Earn 30,000 bonus Avios points when you spend £5,000 in first 3 months of Cardmembership. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 28.2% (variable) p.a. with a fee of £250 per annum, your representative rate is 107.8% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 602 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health

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