Upgrade your ad spend from Chase to Opal

Ink Business Preferred is a traditional business credit card. Accounts are subject to Chase's credit approval, and Chase sets the credit line when the account opens. For ordinary company spending that works well, and a growing small business can build its own credit history on it.

High-volume advertisers meet the limit from a different direction. An agency, an ecommerce brand or an in-house performance team may run $300,000 or $500,000 a month in media, far more than its own operating expenses, and a line set at approval may not keep pace with campaigns that scale quickly.

Opal sizes limits up to $10M on managed ad spend, cash flow and underwriting, so capacity grows with the advertising you run.

Liability follows the account too. Chase's offer details state that the Authorizing Officer, together with the business, is responsible for repaying all balances on the account, including charges on employee cards. When several hundred thousand dollars a month of a client's media runs through that account and the client pays late, the responsibility sits with the person who signed.

Opal requires no personal guarantee and no hard credit check, and eligibility is assessed on the spend you manage. The Opal Card is paid in full once a month, and you can reach a person on Opal's team 24/7 by email, phone or online meeting when a question comes up.

Chase adds employee cards at no additional cost, each with its own spending limit, and lets the account owner monitor employee purchases in real time. That structure is organized around people, with one card per employee drawing on one shared account.

Advertising runs on clients, platforms and campaigns, and Opal organizes cards the same way: one card for a client's Meta spend, another for their Google spend, another again for the next client. Every Opal card can be locked to one platform, given its own spend limit and issued to a team member with their own permissions, and Opal enforces those limits automatically so nobody overspends a client budget. New cards are created instantly, so a new campaign never waits on one.

The structure carries into the books. Transactions reach QuickBooks or Workday already categorized by client, platform and campaign, and you see every one of them in real time rather than at statement time. Agencies working from pre-funded client budgets can also use Opal's client-funded card model, so client money funds client media. Outsmart Labs, a Miami digital agency, recovered 15 hours per week after moving to a per-client card structure on Opal.

At high volume, some Meta and Google advertisers are billed by invoice rather than by card. That takes the largest expense in the business out of every card rewards program at once, Chase's bonus categories included.

Opal Ad Pay is built for that. It detects authorized advertising invoices, shows upcoming amounts and due dates in one place, and lets teams settle them with Opal credit or a connected card, extending the cash-flow window by up to 55 days. Payments on Opal credit carry a 3% processing fee, offset by the cashback earned on eligible spend, and payments on a connected card carry a 3.5% fee.

Explore Opal Ad Pay

Opal cards are designed for supported advertising and media platforms, so most teams keep a general business card for everything else. A Chase Ink card can carry travel, shipping, software, phone bills and day-to-day company purchases, while Opal carries the advertising on credit sized for it. Running both keeps ad spend in its own structure from the first transaction, and it leaves Chase's $150,000 bonus allowance free for the categories that don't run through Opal.