Best Business Credit Cards in Canada - September 2026

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.

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 Passportᴹᴰ 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 Passportᴹᴰ Visa Infinite Business* Card, you pay no foreign transaction fees.

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

Earn a welcome bonus of up to 70,000 Membership Rewards® points with the American Express® Business Gold Rewards Card®

• 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
• 20,000 additional points after spending $30,000 on your Card in your first 12 months of Cardmembership.

Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.

With this Card, you earn 1 Membership Rewards point per dollar on your purchases.

You can then use your points in many ways:

• Statement credit for travel purchases
• Statement credit for all purchases
• Transfer to partner programs (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, etc.).
• Book your flight with American Express Travel at a special rate

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:

• 70,000 points Aeroplan
• 70,000 Avios
• 70,000 Flying Blue Miles
• 84,000 Marriott Bonvoy points

Alternatively, 70,000 Membership Rewards points can also represent a value of $700 for travel or for any purchase charged to the Card.

Also, as a cardmember, you get many advantages such as up to 55 interest-free days to maximize your cash flow.

Finally, you are covered with reliable insurance for your travels and purchases.

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

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.

The WestJet RBC® World Elite Mastercard for Business‡ is an excellent card for entrepreneurs and small business owners who want to earn WestJet points on their business spending and reduce the cost of their travel.

From August 25 to November 30, 2026, the card comes with its richest welcome offer to date: up to 100,000 WestJet points, worth up to $1,000 in travel value. The bonus is awarded in four steps: 45,000 points as a welcome bonus, 20,000 points when you spend $5,000 in the first 3 months, 25,000 points when you spend $15,000 in the first 6 months, and 10,000 points on your account’s first anniversary.

WestJet points can be used to reduce the cost of WestJet flights or WestJet Vacations packages, which can represent up to $1,000 in savings.

The card also offers a favourable earn rate in certain business spending categories, including 3 WestJet points per dollar on telecommunications services, electronic devices and shipping services, as well as 1.5 WestJet points per dollar on all other purchases.

Cardholders also enjoy several benefits when travelling with WestJet, including WestJet Silver status from approval in the first year, priority check-in and boarding, lounge passes, and two free checked bags for the cardholder and up to eight additional guests travelling on the same reservation.

With its highest welcome bonus to date and its travel benefits, the WestJet RBC® World Elite Mastercard for Business is an attractive option for entrepreneurs who want to earn WestJet points and reduce their travel expenses.

Looking for the personal version? See the WestJet RBC® World Elite Mastercard‡.

The RBC Avion Visa Infinite Business Card is the premium business credit card in the RBC Avion Rewards program, designed for business owners who travel.

Get 35,000 bonus Avion points upon approval.

What the card gives you:

• 1.25 RBC Rewards points per dollar in net purchases charged to your card, up to $75,000 per year, then 1 point per dollar beyond that
• A Visa Airport Companion membership, which opens access to more than 1,200 airport lounges worldwide, at US$32 per person per visit
• Avion points that are redeemable for travel with a great deal of flexibility, with no blackout dates
• Additional cards for your employees, at $75 each, up to 9 cards

The annual fee is $175. The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

Get up to 70,000 Aventura points (a value of up to $1,600 for your travels^†):

• A welcome bonus of 20,000 Aventura points when you make your first purchase.^†
• An additional bonus of 10,000 Aventura points when you make your first purchase within the first 4 monthly statements^†
• 40,000 Aventura points when total spending of $35,000 or more is charged to the account within the first 12 statements^†

Plus, get a one-time annual fee rebate for the primary cardholder (up to $180) and three authorized users ($50 each): a benefit valued at up to $330^†

The RBC Avion Visa Business Card is a business credit card in the RBC Avion Rewards program, designed for self-employed workers and business owners who want to earn travel points on their business spending.

You earn Avion points, redeemable for travel with a great deal of flexibility, and the welcome offer can reach 20,000 Avion points on approval. The annual fee is $120.

The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

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