How CitiBusiness®/AAdvantage® Platinum Select® MasterCard® Compares to AdCard for Facebook Ads.

Written by: Zach Johnson

You’d think a card with a name like  CitiBusiness®/AAdvantage® Platinum Select® MasterCard® would have a list of benefits at least as long as its name.

And according to a reviewer at Nav, it does.  At least, if you’re an American Airlines AAdvantage points junkie.

Snag 65,000 AAdvantage Miles as an Intro Bonus

If you’re a faithful American Airlines traveler and earning points toward future air travel is your thing, this may be the business credit card for you.

You can rake in its generous 65,000 bonus mile intro bonus after spending $4,000 in purchases within the first 4 months of opening your account.

If you spend that four grand on American Airlines tickets, the 2 miles for every $1 you spend on airfare will deposit another 8,000 AAdvantage miles into your account.

You’ll also earn 2 AAdvantage miles for every $1 you spend on stuff you buy at telecommunications merchants, cable and satellite providers, car rental companies, and gas stations.  You’ll get 1 mile for everything else you buy and pay no Foreign Transaction Fees for purchases made outside of the United States.

The intro bonus combined with the $99 annual fee waived for the first 12 months, might make this card worth using for at least a year.

Enjoy additional savings and preferential treatment for American Airlines.

For longer domestic trips on American Airlines where you can’t get away with just a carry-on, your card will let you, and up to four people traveling with you, check your first bag free.  Unfortunately, you and your team will have to pay full boat on all the bags you check if you schedule that weeklong company retreat in Bali instead of San Francisco.

If you’re someone who likes to use your flight time to knock out some work, you’ll be happy to know that you’ll save 25% on inflight Wi-Fi when you use your card.  Plus, you’ll also enjoy preferred boarding every time you fly American.

Another perk is that you can earn a $99 domestic economy fare American Airlines Companion Ticket when you spend $30,000 or more on eligible purchases.  Of course, if you’re spending that amount or more a month on Facebook or Google ads, you’ll have AAdvantage miles out the wazoo which will let any companions you bring along sit in First Class “for free” with you.

The downsides of using this card to buy Facebook and Google ads are pretty significant

In addition to the absolutely insane cash advance rate of 25.24% and the cash advance fee of either $10 or 5% of the cash advance amount, whichever is greater, the drawbacks for advertisers using the card to buy tens or hundreds of thousands of dollars in ads each month makes it a no-go on a lot of levels.

Stingy Credit Limits

The biggest and most important is going to be the credit limit -- which you’re probably going to bump up against within the first week of buying ads. Even if the ads are making money hand over fist, paying off the card every few days is a pain you don’t want to inflict on even your least-liked admin.

Account Ban Vulnerability

If you and your media buyers are using this card to buy ads on all your accounts and Facebook or Google bans one, they ALL get shut down and your whole enterprise comes to a screeching halt.

banned round red grunge stamp

Pointless Points

Even if you’re a travel addict, you only have so much time to spend hundreds of thousands of miles traveling to.  Plus: Global pandemic.  Using points for business travel for you and your team can be a big money saver.  Except: Zoom calls.

Maybe it’s time to re-evaluate the business credit cards you’re using to buy Facebook and Google ads to determine whether they’re giving you the kind of rewards and services that can help you scale.

If your ad spend is $10K a month or more

 AdCard is the best card for Facebook advertising.

CitiBusiness®/ AAdvantage® Platinum Select® MasterCard®


FunnelDash AdCard

  • Intro Offer of 65,000 AAvantage Bonus Miles when you spend $4,000 in your first four months
  • Earn 2 AAvantage reward miles for every $1 you spend on American Airlines travel, telecommunications merchants, cable and satellite providers, car rental companies and at gas stations. 
  • You’ll get 1 mile per dollar spent on  everything else

Earning points won’t help you scale. Getting tens or hundreds of dollars in cashback to buy more ads will.

  • Earn up to 4% unlimited cash back on Facebook and Google ad spend.

Credit Limit is Limited
based on your use of the Card, your payment history, credit record, financial resources known to us and other factors.

If you're scaling aggressively, you’re paying down multiple cards multiple times a week.

Compare that to AdCard. We underwrite your accounts every single day to ensure you have the highest limits and the maximum amount of float.  That means no pre-payments prior to weekends when you want to have the cash to step on the gas. 

Credit Limit is Unlimited based on ad spend.  The more you spend the higher your limit so you can scale your business fast without depending on or affecting your FICO score.

Qualification is based on FICO score.

With AdCard there’s No worrying or wondering if you’ll get approved.-- or dinging your credit score.

Qualification is based on having a monthly ad spend of $10,000 or more -- Not based on FICO score

You can add anyone as an authorized user on your CitiBusiness/AAdvantage/Platinum Select credit card, which will have the same account number and address.

if one of multiple accounts you’re paying with the CitiBusiness/ AAdvantage/ Platinum Select Card gets banned -- they ALL get banned.

AdCard  gives you unlimited virtual cards for ads, each with a unique number, name and address for each ad account, business manager, campaign to avoid a total shutdown if one account gets banned.

Get an unlimited number of debit and virtual cards for ads -- each with its own unique number, name and address.

Variable APR will be 15.99% - 24.99% based on your creditworthiness.  Cash advance rate of 25.24% and the cash advance fee of either $10 or 5% of the cash advance amount, whichever is greater.

AdCard is automatically paid off  as you go so APR is Irrelevant.


No Annual Fee for the first 12 months.  $99 a year thereafter.

Why pay a fee if you don’t have to?

NO Annual Fee Ever

Personal Guarantee Required

With AdCard, you’re not risking your house or credit score

NO Personal Guarantee Required

Absolute BEST benefit according to NAV:

65,000 AAdvantage Bonus Mile Intro Offer

Compared to earning up to 4% unlimited cash back on Facebook ad spend, getting a bunch of points doesn’t seem like the smartest business move.

Absolute BEST benefit according to EVERY ADVERTISER who uses it to buy Facebook ads.

Tens of thousands of dollars (even millions if you’re spending a ton) CASH BACK from this credit card for Facebook ads to plow back into spend.

Apply for AdCard Now. get the Highest Cash Back and Credit Limits for Facebook Ad Spend

The average small business has 5 credit cards with a balance of about $32k that they have to keep track of. There’s a better way than rotating   through dozens of low limit credit cards to get the funding you need to scale when you can get it all with AdCard -- the best card for Facebook ads with the high limits and more you need to grow your business.

Exclusive Cardholder Benefits

  • Highest Limit for Ad Spend -- Guaranteed. Forget dinging your FICO score to get a higher limit.  AdCard gives you all the ad spend funding you need to grow your business without hurting your ability to secure future funding from other sources.
  • Account Ban Protection  Unlimited virtual debit and charge cards for ads so you can scale to the moon without the fear of getting banned.  Lets you use a card with a unique number, name, and address for each ad account, business manager, campaign, and network. Also eliminates the expense of cumbersome employee cards.
  • 7.5% -- Highest Cashback Card Available  AdCard gives you up to  30 days 7.5% on your Facebook ad spend when you refer a friend each month.

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