Best Small Business Credit Cards – April 2024

Travel rewards

Business Platinum Card^® from American Express

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

• 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
• 40,000 points when you make a purchase between 14 and 17 months of Cardmembership

You can use your Membership Rewards points in many ways:

• Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta Skymiles, etc.
• Transfer points to hotel programs (Hilton Honors, Marriott Bonvoy)
• Redeem 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.

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 and unlimited access for you and an additional traveller to over 1,300 airport lounges worldwide.
• $200 Annual travel credit
• $100 Card Statement Credit for Nexus
• Marriott Bonvoy Gold Elite status
• Hilton Honors Gold Status
• Access to the Fine Hotels & 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, the Business Platinum Card® from American Express is distinguished by the numerous insurance coverages it offers: theft and damage for rental cars, travel accident from $500,000Emergency 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.

American Express^® Business Gold Rewards Card^®

Earn up to 110,000 Membership Rewards points with this outstanding limited-time welcome offer for the American Express® Business Gold Rewards Card®:

• 70,000 Membership Rewards points after $5,000 in Card purchases within the first 3 months
• 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter (up to 40,000 Membership Rewards points)

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

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.

American Express Business Edge™ Card

The American Express Business Edge™ Card is an excellent credit card for businesses in Canada. The annual fee is only $99 and this American Express credit card offers up to 67,000 Membership Rewards points in the first year, a value of $670.

You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).

With this Card, you can get 3x the points on purchases:

• Office supplies (Staples, etc.)
• Electronic (Apple, Dell, etc.)
• Rides
• Gas
• Eats & Drinks

Besides, you can add up to 99 supplementary cards at no cost.

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

BMO World Elite Business Mastercard

The BMO World Elite®* Business Mastercard®* is one of Canada’s best travel points Mastercard for Business credit cards. You can earn up to 70,000 points as a welcome bonus:

• 50,000 points after you spend $5,000 in the first 3 months
• 20,000 points after you spend $35,000 in the first twelve months

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

You can also enjoy a 0% introductory interest rate on balance transfers for nine months (with a 3% transfer fee).

With the BMO World Elite®* Business Mastercard®*, you earn 4 points per dollar spent on:

• gas purchases
• office supply purchases
• 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 (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

You can also combine the points you earn with the other two BMO Rewards cards to save even more on your travels.

With the BMO World Elite®* Business Mastercard®*, you get many travel insurance coverages:

• Collision Damage Waiver
• Car Rental Personal Effects & Business Property
• Car Rental Accidental Death & Dismemberment
• Baggage & Personal Effects
• Baggage insurance in case of delay
• Flight Cancellation
• Trip Interruption/Trip Delay
• Flight delay
• Common Carrier Insurance

And for your purchases :

• Extended Warranty
• Purchase Protection

Hotel points

Marriott Bonvoy Business American Express Card

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

With this exceptional limited-time welcome offer, you can earn up to 90,000 Marriott Bonvoy points:

• 75,000 Welcome Bonus Marriott Bonvoy® points after you spend $6,000 on your Card in your first three months of Cardmembership.
• Plus, earn an additional 2 points for a total of 5 points on every $1 spent on eligible gas, dining and travel purchases in your first 6 months (up to 15,000 points).

It’s the best time of year to get the Marriott Bonvoy® Business American Express®* Card. Don’t wait, this offer ends on May 6, 2024!

It’s a Card we recommend keeping because each year at renewal, you get an Annual Free Night Award (for up to 35,000 points at hotels worldwide) and 15 Elite Night Credits per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties. And you can earn 3 points per dollar on:

• Gas
• Dining purchases
• travel purchases

And 2 points per dollar on all other purchases.

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

Aeroplan

American Express^® Aeroplan^®* Business Reserve Card

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

Here’s how:

• Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
• Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.

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 receive 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.

AIR MILES

BMO AIR MILES^®† World Elite^®* Business Mastercard^®*

The BMO AIR MILES® World Elite Business Mastercard particularly rewards AIR MILES collectors who wish to separate their personal and business spending.

You can earn 3,000 AIR MILES Bonus Miles in your first year! In addition, there is no annual fee for the first year.

You earn 4x the Miles when you use your card at participating AIR MILES Partners. And 1 Mile for every $12 you spend everywhere else, including Costco.

With the BMO AIR MILES®† World Elite®* Business Mastercard, you benefit from various travel protections:

• Collision Damage Waiver
• Car Rental Personal Effects & Business Property
• Car Rental Accidental Death & Dismemberment
• Baggage & Personal Effects
• Baggage insurance in case of delay
• Flight Cancellation
• Trip Interruption/Trip Delay
• Flight delay
• Common Carrier Insurance

And for your purchases:

• Extended Warranty
• Purchase Protection

BMO^® AIR MILES^® No-Fee Business Mastercard^®*

The BMO® AIR MILES® No-Fee Business Mastercard®* is the only AIR MILES Mastercard for Business credit card with no annual fee.

For a limited time, you can earn 1,000 AIR MILES Bonus Miles!

You earn 1 AIR MILES Reward Mile on every $20 you spend, including at Costco. And 1.25X the Miles at Shell.

Cash back

BMO CashBack^® Business Mastercard^®*

The BMO CashBack Business Mastercard is one of Canada’s best cashback Mastercard business credit cards.

You can get 10% cash back for three months on:

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

After that, you’ll get 1.5% on these purchases and 1.75% at Shell.

You can also enjoy a 0% introductory interest rate on balance transfers for nine months (with a 3% transfer fee).