Credit Card News

Advertising Disclosure is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » News » Products » Will Google Credit Card Help Small Businesses Earn an A+ with Extra Credit?

Will Google Credit Card Help Small Businesses Earn an A+ with Extra Credit?

Add to Favorites:

Last summer, Google tested out a new credit card for small businesses – the AdWords Business Credit Card, which could be used exclusively to purchase AdWords advertising. The credit cards, issued by Comenity Capital Bank and MasterCard, were a hit – 74 percent of survey respondents who participated in the pilot program now use AdWords Business Credit as their primary payment method when buying Google advertising.

In light of this success, Google is launching the AdWords Business Credit Card in the UK this month, issued by Barclaycard and still using the MasterCard processing network. Later this year, the program will expand further in the US, still issued by Comenity, and offering cardholders a variable rate of 8.99 percent to 18.99 percent, depending on consumer creditworthiness. In the UK, the Barclaycard rate for the AdWords credit card will be a variable 11.99 percent.

The AdWords credit card carries no annual fee in either the US or the UK, and Google says it will offer an “ample” line of credit, though no exact amount was given.

Pay-Per-Click Advertising Adds Up

AdWords are the little “pay-per-click” advertisements that pop up when you Google certain words or phrases, suggesting pages that might be of interest to you, and though they may remind some users of Big Brother, their Orwellian nature hasn’t stopped them from bringing billions of dollars of revenue to businesses worldwide.

AdWords advertising can cost upwards of $35 per word and many businesses spend thousands of dollars each month on the program. Google’s revenue comes almost exclusively from AdWords – 97 percent of their $33 billion 2010 revenue was from AdWords advertising.

More than 1,400 businesses participated in the pilot program for the AdWords credit card, from many different industries – everything from bat removal to footwear. The overwhelmingly positive response was encouraging to Google’s Brent Callinicos, who s said in a statement, “Small business owners are used to being pressed: for resources, for time, and especially for credit. Juggling expenses across different credit cards and managing seasonal business spikes and valleys doesn’t leave much room for other spending.”

Plenty of Options for Small Business Spending

Small businesses who don’t want a credit card they can only use to buy Google advertising might consider other products such as Capital One Sparks designed for start-ups and businesses of varying sizes, as well as business credit cards that offer reward programs that can be used toward business travel, office supply costs, and other everyday expenses.

The Google AdWords credit card should be widely available in the US by 2012, so businesses who are interested in it should watch for more news about its availability.

Add to Favorites:

Related News:

MasterCard and KeyBank Enter Exclusive Partnership
MasterCard and KeyBank Enter Exclusive Partnership

By Elizabeth Nelson, Posted: February 05, 2013

MasterCard has a lock on new KeyBank credit cards that will be launched later this year. The new line of KeyBank consumer, small business and commercial credit cards will be exclusively branded by MasterCard. Continue reading
New MasterCard Horizons For The  AAHOA
New MasterCard Horizons For The AAHOA

By Dar Dowling, Posted: March 12, 2015

The Asian American Hotel Owners Association (AAHOA) has joined forces with First Bankcard to bring their members two new credit cards offering rewards and cash back on business and commercial spending – the Business Edition MasterCard with ... Continue reading
IFC and MasterCard Are One Step Closer to Universal Financial Access
IFC and MasterCard Are One Step Closer to Universal Financial Access

By Dar Dowling, Posted: May 01, 2015

Financial inclusion is on the agenda this year for International Finance Corporation (IFC), a member of the World Bank, and MasterCard. Continue reading
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
For Excellent, Good Credit
Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
For Excellent, Good Credit
No Annual Fee
For Bad Credit