How Citi® Double Cash Card Compares to AdCard for Facebook Ads.

Written by: Zach Johnson

When you’re an agency spending $10K, $50K, $100K a month or more on FaceBook and Google ads, deciding on which credit card to use to pay for them is complicated.

A whole lot is riding on your decision.

What card is going to be best for you?

You might be tempted by the prospect of earning an insane amount of travel and rewards points.  Maybe you’re looking for the prestige of a card that lets everybody know you’re a big cheese.  Or perhaps perks like a membership at exclusive clubs, big discounts on services merchandise, or a gift card to an upscale store.

What card is going to be best for your business?

If you’re smart you might be looking at cards that offer cash back instead of points and special privileges.  Either way, with most credit cards you’re going to have to decide whether or not you’re okay with pouring part of your profits into annual fees, double-digit interest rates, having to be personally on the hook and risk losing your home if you run into financial trouble and can’t pay.

Figuring it all out can be mind boggling.

  • Credit Limits -- How high they are and how fast you’ll hit them is a big concern.
  • APRs -- Credit card Annual Percentage Rates  can run as 25% if your credit is bad.
  • Annual Fees -- Super sexy premium cards charge several thousand dollars a year, but even average credit cards for business can run several hundred dollars for each card issued.
  • Points and Rewards -- Figuring out how to earn them and whether you want what you can redeem them for can make a card a top pick for you or nix it all together.
  • Cash Back  -- Determining which purchases qualify for what percentage as well as factoring in caps is critical.
  • Welcome Bonuses -- Sometimes you pay for generous sign up spiffs with stingy points structures later.
  • How to Game your Ad Spend -- You might have to choreograph a complicated dance of when to stop spending on one card and switch to another depending on credit limits, cash back considerations, or points systems.

Getting a Stripped Down Credit Card for Facebook Ad Spend 

Might Start Sounding Pretty Good

And simple is what the Citi® Double Cash Card hangs its hat on. The Points Guy calls it “Simple and Rewarding”.  And goes on to say.

“With up to 2% cash-back earnings on all purchases — 1% when you buy and another 1% as you pay — it’s difficult to beat this no-annual-fee card. Plus, now you have the option to convert your cash-back rewards to ThankYou points. Card Rating*: ⭐⭐⭐½”

I’d have to seriously disagree with that assessment if you’re planning on adding this card to your Facebook or Google ad spend credit card rotation.  “Simple” is going to cost you in ways you may not have thought about.  Let me tell you more.

What You Get with Citi Double Cash Card is Pretty Paltry Compared to AdCard

While the fact that the Citi card doesn’t restrict the kind purchases that you can earn cash back on to travel, gas  groceries or whatever, they don’t or put a cap on cashback qualifying spend , and no-annual are all good, a lot of other things aren’t.

Let’s stack them up against each other and see what you get.

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

 AdCard is the best card for Facebook advertising.

The Citi® Double Cash Card


FunnelDash AdCard

  Earn 2% unlimited cash back on anything you         buy.

  When you make a purchase, you’ll earn 1%         unlimited cash back. Then, you earn an     additional 1% cash back as you make payments   for that purchase.

Earning up to 4% is TWICE AS GOOD as earning 2%. So there’s that.-- for starters.

  • 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 Citi credit card which will have the same account number and address.

No Annual Fee or additional costs. 

if one of multiple accounts you’re paying with the Citi Double Cash 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.

All with No Annual Fee or additional costs.

0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 13.99% - 23.99% based on your creditworthiness.  No cash back on balance transfers.

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


NO Annual Fee

A good thing for both cards.

NO Annual Fee

Personal Guarantee Required

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

NO Personal Guarantee Required

Absolute BEST benefit according to The Points Guy:

it earns up to 2% cash back on all purchases (1% when you buy, plus 1% as you pay), with no annual fee

Compared to earning up to 4% unlimited cash back on Facebook ad spend, getting a pitiful 2% seems like...not 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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