Best Business Credit Cards for Lounge Access and Travel Perks

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

• 80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
• 40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

• Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
• Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
• Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
• And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 120,000 Aeroplan points
• 120,000 Avios
• 120,000 Flying Blue Miles
• 144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

• Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
• $200 Annual travel credit
• $100 Card Statement Credit for Nexus
• Marriott Bonvoy Gold Elite status
• Hilton Honors Gold Elite status
• Access to the Fine Hotels and Resorts program
• Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card^® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

With the Scotiabank Passport^MD Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus and the first year free:

• 30,000 points after $5,000 in purchases during the first 3 months
• 10,000 points after $60,000 in purchases during the first 12 months

With the Scotiabank Passport^MD Visa Infinite Business* Card, you pay no foreign transaction fees.

Additionally, you receive six complimentary annual airport lounge accesses worldwide.

• Up to 100,000 Aeroplan Points (an estimated $1,700 value)
• 10 Aeroplan points for every $1 in card purchases on eligible Gas, Eats & Drinks for the first six months of Cardmembership

• 3 points per dollar on purchases made with Air Canada and Air Canada Vacations
• 2 points per dollar on hotel and car rental purchases
• 1 point per dollar on all other purchases.

• Unlimited access to Air Canada Maple Leaf Lounges in North America
• The first checked bag free for you and up to 8 companions
• An Annual Worldwide Companion Pass
• Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
• The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.

With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 90,000 Aeroplan points:

• Earn 65,000 Aeroplan points after making $10,500 in purchases in the first three months.
• Earn an additional 25,000 Aeroplan points when you spend $3,500 in the 13th month.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

• Gas
• office supplies
• cell phone/internet payments

• Travel
• Investment / statement credit
• All gift cards
• Products
• Experiences

BMO Rewards

• your trips
• your purchases

• Insurance when renting a vehicle
• Baggage and Personal Effects Insurance
• Baggage insurance in case of delay
• Trip Cancellation Insurance
• Trip Interruption/Trip Delay
• Departure flight delay insurance
• Common Carrier Insurance

• damage to the Rental Vehicle;
• theft of the Rental Vehicle, its parts or accessories;
• charges levied by the rental agency as a result of valid loss of use while the Rental Vehicle is being repaired; and
• the reasonable and customary costs of towing the Rental Vehicle to the nearest available facility

• The disappearance of, theft of, or damage to Baggage or Business Property that You have with You during the Trip. Coverage is limited to $500 per item.
• The disappearance, theft, or damage of photographic equipment during the Trip. All photographic equipment is considered one item. Coverage is limited to $500 per item.
• Loss, theft or damage to jewellery during the Trip. All the jewellery is considered as one item. Coverage is limited to $500 per item.

The BMO Ascend World Elite Business Mastercard is one of the best travel points-based Business Mastercard^® credit cards in Canada. You can earn up to 100,000 points as a welcome bonus:

• 20,000 points on your first purchase within 75 days of account opening;
• 8,000 points per month when you spend at least $3,000 per monthly period, from the 3rd to the 12th month following account opening (for a total of 80,000 points).

Plus, there’s no annual fee for the first year! And you get 2 free annual visits to DragonPass airport lounges.

You can also benefit from a welcome interest rate of 0% on balance transfers for nine months (a 3% transfer fee applies).

With the BMO Ascend World Elite^®* Business Mastercard, you earn 4 points for every dollar spent on:

• gas purchases
• office supplies
• cell phone/internet payments

And 1.5 points for every dollar you spend, including at Costco or for significant purchases at home improvement stores.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Additionally, you can combine the points earned with the two other BMO Rewards cards to save even more on your travel.

With the BMO Rewards^® World Elite^®* Business Mastercard^® for Business, you benefit from various travel protections:

• Collision Damage Waiver Insurance
• Personal and Business Effects in a Rental Vehicle
• Accidental Death or Dismemberment in a Rental Vehicle
• Baggage and Personal Effects
• Baggage insurance in case of delay
• Flight Cancellation
• Trip Interruption or Delay
• Flight delay
• Common Carrier Accident

And for your purchases :

• Extended Warranty
• Purchase Protection

• Earn up to 35,000 Aeroplan^® Miles
  • A welcome bonus of 20,000 Aeroplan Miles when you make your first purchase at any time with your card.
  • An additional bonus of 15,000 Aeroplan Miles if you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods.
• A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application.
• 1.5 miles for every $1 spent on airlines, hotels, car rental agencies, travel agencies and gas stations
• 1 mile for every $1 spent on all other purchases

The CIBC Aeroplan^® Visa* Business Card is the go-to business credit card for earning Aeroplan points on your company spending.

Get up to 75,000 Aeroplan points, a value of up to $1,500^†:

• 10,000 points the first time you make a purchase
• 25,000 points when you spend at least $7,500 within the first 3 statement periods
• 25,000 points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods
• An additional bonus of 15,000 points when $40,000 or more is charged to the account in the first year

On top of that, you get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each), a benefit valued at $330^†.

What the card gives you after that:

• 1 Aeroplan point per dollar on eligible purchases
• Free first checked bag^†, a benefit valued at $140 for two travellers per round-trip flight
• Additional cards for your employees, at $50 each

The annual fee is $180. The annual interest rate is 12.99% on purchases and 14.5% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

• 5 points per dollar on Marriott Bonvoy purchases
• 3 points per dollar on gas, dining and travel purchases
• 2 points per dollar on all other purchases

• An Annual Free Night Award for up to 35,000 points
• 15 Elite Night Credits each calendar year for your Marriott Bonvoy Elite Status
• Automatic Marriott Bonvoy Silver Elite status membership
• Access to American Express promotional offers
• Access to pre-sale tickets

The Marriott Bonvoy^® Business American Express^®* Card is the best credit card for the self-employed, professionals and small business owners who travel.

With this welcome offer, you can earn up to 110,000 Marriott Bonvoy Points:

• Earn 80,000 points after you spend $10,000 on your Card in your first 6 months of Cardmembership.
• Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.

This exceptional offer ends on September 22, 2026.

It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :

• Gas
• Dining
• Travel

And 2 points per dollar on all other purchases.

Like all American Express Canada Cards, there is no minimum income requirement.