The Best Ad-Spend Credit Card
We give you credit, cash-back, and all the tools you need, and up to 20x higher limits.
limit with Opal:
cashback with Opal
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Run performance campaigns with access to higher credit than ever before.
Earned cashback
1% Unlimited Rewards
Whether you spend $100 or $100,000,000 a month, earn 1% cash back on every dollar spent.
Up to $10M
in instant credit
Fund campaigns without using your own cash. No personal guarantee or credit check needed.
Smart virtual cards
for every use-case.
Create separate virtual cards for each vendor or campaign. Set spend limits, track budgets, and stay in full control.
Get set up in minutes
Built for agencies and brands who spend big on ads.
from Facebook Ads
from Google Ads
from Amazon Ads
from Snapchat Ads
from The Trade Desk Ads
from TikTok Ads
No Credit Checks
Get instant access to ad credit. No credit check or personal guarantees required.
No Personal Risk
We do not require personal guarantees, unlike every other major card issuer.
Quick & Easy Setup
Just fill out a short online form. No calls, takes just a few minutes to get started.
How does Opal compare with others?
See why Opal is the best option for your ad agency and your team.
We're here 24/7 to help with anything
Built for agencies, supported by people who get it.
We Get It
We’ve been in your shoes and now we’re here to help you handle it all.
24/7 Support
Our team is always online and ready to jump in when you need us most.
We’re Flexible
Support that fits your style, whether it’s by email, phone, or online meeting.
Frequently asked questions
Opal is the leading ad-spend credit card for agencies - offering up to 2% cash-back, powerful tools to manage client spend, and credit limits up to 20× higher than traditional cards.
The Opal Card is built specifically for digital advertising. It provides higher credit limits and uncapped cash-back, and works seamlessly with platforms like Meta Ads, Google Ads, TikTok, LinkedIn, Snap, and more.
You can create budgets at the client, campaign, or card level. Opal enforces limits automatically to prevent overspend, while still giving you full control to adjust limits at any time.
Opal is completely free and every transaction earns up to 2% cash-back.
No. Opal never takes a cut of your media spend.
No. You can cancel at any time with no fees.
You can create unlimited virtual Opal cards at no cost.
The initial onboarding form takes just 2–3 minutes to complete. Virtual cards are typically issued within 24–48 hours after submission.
No. Opal works with any U.S.-based bank, with limited exceptions.
Yes. You can create unlimited virtual cards with dedicated limits for each client.
Opal currently supports U.S.-based businesses.