Looking for the best Business Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 7 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
on TD's website
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $799 | |||
| $199 | |||
| $150 | |||
| $599 | |||
| $175 | |||
| $0 | |||
| $199 |
Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:
You can use your Membership Rewards points in many ways:
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 :
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:
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.
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Earn a welcome bonus of up to 70,000 Membership Rewards® points with the American Express® Business Gold Rewards Card®
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:
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:
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.
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
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 80,000 Marriott Bonvoy Points:
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 :
And 2 points per dollar on all other purchases.
Like all American Express Canada Cards, there is no minimum income requirement.
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 120,000 Aeroplan points:
The annual fee goes from $599 to $799 on January 12, 2027. Only fees charged on or after that date follow the new price. Sign up now and your first year is billed at $599. The Employee Card goes from $199 to $249, and the Employee No Fee Card becomes the Employee Expense Card at $25.
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.
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
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‡.
on RBC's website
The Scotia Momentum for business No Fee Visa Card is the entry point to cash back business cards in Canada: no annual fee, and no fee for your employees’ cards.
Welcome offer: earn 10% cash back on your first $1,500 in eligible purchases in the first 3 months, up to $150.
After that, you earn 1% cash back on all your eligible business purchases, with no annual cap.
Also note that you can use your cash back at any time (the cash back balance must be at least $25) and that it never expires as long as your account remains open. You can apply it as a statement credit or deposit it into a Scotiabank account.
With the Scotia Momentum for business No Fee Visa Card, you also benefit from protections for your purchases:
The card also offers practical management tools for your business:
on Scotiabank's website
With the Scotiabank PassportMD Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus ($199 annual fee, waived in the first year for eligible professionals and clients only):
With the Scotiabank PassportMD Visa Infinite Business* Card, you pay no foreign transaction fees.
Additionally, you receive six complimentary annual airport lounge accesses worldwide.
on Scotiabank's website
