How the Chase Ink Preferred Card® Compares to AdCard for Facebook Advertising.

Written by: Zach Johnson

This week’s trip down the supermarket aisle as we shop for the best credit card for Facebook ads and best card for Google ads takes us to the shelf where we find the Chase Ink Preferred Card@  - --  which The Points Guy loves.

But you shouldn’t.  And here’s why.

If you’re an agency or business that’s using a credit card for Facebook ads and spending less than $10K a month and you’re a rabid points junky, the hefty 100,000 points welcome offer (worth $2,000)  might look pretty appealing.

As is typical with these kings of cards, the rewards points can be used to pay for travel and hotel expenses.  Which is great if you’re regularly flying in clients, business partners, or taking your entire company on a corporate retreat to some exotic location like Bora Bora.

At this point, points are pointless.

But let’s face it, you’re not doing any of those things right now.

Like most businesses in the time of COVID (and probably well beyond) you’re meeting with clients and remote employees over zoom.  Because of international travel restrictions worldwide, you’re probably going on “stay-cations” rather than jet-setting off to far away locales overseas.

If you don’t care because you’re totally in love with points, it’s still not great.  Look at it this way -- say you have 5 Chase Ink Preferred Cards that earn you 3X points on the first $150K you spend.  After $750K in spend, that “benefit” goes away -- and you’re stuck with points that decrease in value and are worthless when it comes to helping you scale your business.

If you’re a serious advertiser, using a credit card for Facebook ads or a credit card for Google ads and are spending $10M+ a year earning points looks even dumber..  Especially when that level of spend would qualify you for the AdCard Black Card or Diamond Program that pays you unlimited 3% cash back.  Getting dollars back makes a whole more financial sense and is so much simpler.

Low credit limits are limiting your ability to scale.

What’s more, if you’re spending big bucks -- $50K, $100K, $500K  or more a month -- and using an credit card for Facebook ads or a credit card for Google ads like the Chase Ink Preferred Card , you’re probably hitting your credit limit every couple of days. 

In addition to having to keep up with those payments you’re also stuck with having to pre-pay in advance of weekends when you’re really ramping up your ad spend.  Making  these payments and plunking down prepayments is a colossal waste of time and money.

That’s where using AdCard gives you a HUGE advantage.

Instead of trying to manually time your payments, AdCard automates payments based on limits that are set by your ad spend. Because we underwrite accounts more frequently than traditional banks and look at accounts on a monthly, weekly, and even a daily basis, you don’t have to do pre-payments in advance of a weekend push with  AdCardAnother plus is that we’re able to raise your overall float payment cycles and limits much faster.

Oh and then there’s that pesky 5/24 rule.

The Points Guy says the Chase Ink Preferred Card is great for businesses  just getting started in what he calls the “rewards card hobby” -- because they likely have very few credit cards.  If you’re far from a newbie and have opened five or more credit cards with any bank over the last 24 months you’ll probably be denied.

With all that being said, let’s look at a side by side comparison of what The Points Guy has to say about the Chase Ink Preferred Card and what you get with AdCard.

Chase Ink Preferred Card®*


FunnelDash AdCard

Earn a Sign Up Bonus of 100,000 Ultimate Rewards Points after you spend $15,000 in the first 3 months after you open your account.   Total value of $2,000..

• Earn 3X Ultimate Rewards on the first $150,000 spent on travel, shipping purchases, internet, cable, and phone

services as well as advertising purchases made with social media and search engines and then 1X (same as all other purchases)

Earning huge amounts of cash back to buy more ads is better than racking up hundreds of thousands of travel and dining points you’ll probably end up never using.

  • Earn up to 4% cash back on unlimited Facebook 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 -- PLUS

 whether or not you’ve opened 5 or more credit card accounts in the past 2 years.

No Worrying or wondering if you'll get approved.-- no matter how many other credit card accounts you've opened in your entire lifetime.

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

Get unlimited additional physical Cards with the same account number --with No Annual Fee or additional costs.

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.

15.99% to 20.99% based on your creditworthiness and other factors as determined at the time of account opening.

 This APR will vary with the market based on the Prime Rate.


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


$95 Annual Fee for the account.

Why pay an annual fee when you don’t have to?.

NO Annual Fee

Personal Guarantee Required

Absolute BEST benefit according to The Points Guy:


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

NO Personal Guarantee Required

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

Cell Phone Protection

By charging your monthly cellphone bill to the card, you and eligible employees  can get up to $600 per claim if a phone is damaged or stolen.  You can only make 3 claims

In a 12-month period.  Oh and there’s a $100 deductible for each claim, which knocks the net benefit back to $500 or less.

Compared to earning up to 4% unlimited cash back on Facebook ad spend, getting a few hundred bucks toward a damaged or stolen cell phone seems well...kind of pitiful.

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.

And get the Highest Cash Back and Credit Limits for Facebook Ad Spend

And you’ve got a funding option that you definitely need to consider if you’re spending $10k a month on ads or more

Leave a comment: