The Only Ad-Spend Card
We give you credit, cash-back, all the tools you need, and higher limits than traditional cards.
limit with Opal:
cashback with Opal
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Run performance campaigns with access to higher credit limits.
Earned cashback
Up to 2% Unlimited Rewards
Earn up to 2% uncapped cash-back on eligible ad spend. Your rate is confirmed when your application is approved, and it never caps out as your volume grows.
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 as fast as 2-3 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
Apply in minutes. Cards are typically issued within 24 to 48 hours. No hard credit check or personal guarantee required.
No Personal Risk
We do not require personal guarantees, unlike most major card issuers.
Quick & Easy Setup
Just fill out a short online form. No calls, takes just a few minutes to get started.
Trusted by ad agencies
“Opal has made managing our ad spend seamless. Reconciliation is simple, payments happen automatically, and we haven’t experienced any issues with card declines or funding delays. The cashback gives us more value than points, and the team is incredibly responsive. We would absolutely choose Opal again.”
Trusted by ad agencies
“Opal has made managing our ad spend seamless. Reconciliation is simple, payments happen automatically, and we haven’t experienced any issues with card declines or funding delays. The cashback gives us more value than points, and the team is incredibly responsive. We would absolutely choose Opal again.”
Opal Ad-Spend Card
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Amex Platinum
Opal Business Card
Amex Gold
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Sapphire Reserve
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Sapphire Business
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Ramp
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Brex
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Mercury
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 provides the Opal Spend Commercial Charge Mastercard® Card (the “Opal Card”) for agencies - offering unlimited 1% cash-back, powerful tools to manage client spend, and credit limits up to 20× higher than traditional cards. This is based on internal review of customer-submitted prior credit limits vs. approved Opal limits. Results vary.
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 does not charge a subscription fee and every eligible transaction earns unlimited 1% cash-back. Applicable fees are disclosed in the Cardholder Agreement.
No. Opal never takes a cut of your media spend.
No. You can cancel at any time without a cancellation fee. You remain responsible for any outstanding balance and other obligations under the Cardholder Agreement.
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.The Opal Spend Commercial Charge Mastercard Card is issued by Stearns Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Opal is a software and service provider, not a bank.