So if you’re an uber PPC’er like I am, you’re going to be spending a nice chunk of change. Don’t make the noob mistake that I did when I first started, and bust out your debit card to pay for Adwords. Use credit cards! With all the cash back, reward points, and flyer miles out there, you can get a lot of cool stuff just for using a credit card. So I’ll share with you all the current credit cards I use, why I use them, and give a couple other suggestions for cards that I may get.
The Platinum is a solid card with a mid-range annual fee. I think I pay around $450 to have it. I get reward points with it and get to buy cool things. It’s got travel perks, road side assistance anywhere, shopping perks, and a few other nice things. There’s no pre-set limit which is nice, and goes up as you spend more.
Actually I’m lying to you, I’m salty that they won’t give me a Black card (have to be a member for a year) so I got this to make me feel a little better.
This card is a beast if you travel. I have like 400,000 spg points from the past two months, which should last me any event I go to next year. To put it into perspective, that’s almost 40 stays at a 5-star hotel, depending on location. The New York Sheraton was 12,000 a night, and one I’m staying at soon is 7,000, so it varies. You can exchange points for flights anywhere in the world as well which is sweet. If you plan on attending any events, grab this card and rake up some points for a couple months, you won’t regret it.
This is a brand spanking new card from Amex, and they were initially issuing 10,000 of them so basically I just wanted to feel special, and that’s why I have it. 2% of on all business expenses is nice though, and it’s a solid cash-back card. No pre-set spending limit is another perk for someone who doesn’t want a limit but doesn’t want to pay $450 for a Platinum. I’ve started spending a little on it to get some of that PPC money back…Adwords 2% off! The card looks pretty cool, I don’t really like the name “Plum Card”, but it gets the job done for a PPC’er.
Ah the good ‘ol Blue Cash. This was my first serious credit card (I’ve had $500 student MasterCards) and I basically just wanted to get approved by Amex. I had no credit history and I’m 19, so I’m not really sure how they approved me. You can get up to 5% cash back on things like gas and groceries, and then it’s 1.5% cash back on other things (like PPC). So if you’re going to go for a cash back card, just get the extra 0.5% and go with the Plum. The limit on the Blue Cash starts out pretty crappy initially too. Looks pretty neat though.
Other Cards to Consider
So as you can see I’m an Amex junkie, and I’ll probably be getting a Black card in May once I’ve been a card member for a year. I don’t know what it is about me, I just have a strange obsession for acquiring good credit cards. The Black card probably isn’t going to be worth the annual fee to me, but I can’t control my urge to get a credit card that comes in it’s own briefcase. Kids these days…
I’m actually going to seriously look into (and probably get) one of these cards for 3 months. 5% cash back on EVERYTHING…yes that includes PPC…for the first 3 months. So if you’re spending 300k/month in advertising costs, that’s $15,000 profit for 3 months! Yes mommy, I’d like an extra $45,000 for just using this credit card. Props to my man Grayh.at for letting me know about this little gem.
So I’m sure there’s a zillion other good credit cards to have, and the whole point of this article was the make sure that you guys are in fact using credit cards and not your bank card. You can get a bunch of cool things, each card has different benefits. Most people say that Amex is the card for a business person, and I’ve hopped on that train. Just explore around and you may find something nice. Feel free to share any other cards that you use and why.
I’ll be picking the $100 Adwords voucher winner soon as well.