All the information on business credit cards

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The business cards are essential for entrepreneurs, self-employed individuals, and small businesses. They simplify business expense management and offer attractive rewards. In addition to separating your personal finances from your business finances, they provide access to insurance and exclusive benefits.

What is a business card?

A business card is a credit card designed for the needs of companies, self-employed individuals, and small businesses. It differs from a personal card through its tailored features.

These cards often offer higher credit limits, detailed expense tracking, and benefits designed for business activities. You can therefore manage your business purchases more efficiently, while accumulating points or cash back.

Applying for a business card sometimes requires a business number, but several financial institutions also accept self-employed individuals with a good credit history.

Benefits of Business Cards

Business cards offer many benefits. They allow you to accumulate bonus points on business expenses, such as gas, supplies, or travel.

They also offer better cash flow management thanks to longer payment terms. Expense tracking is simplified with detailed statements and categorization tools.

In addition, several cards include travel insurance, extended warranties, and purchase protection. Some also offer exclusive benefits, such as airport lounge access.

How to choose the best business card?

To choose the right business card, assess your needs. An entrepreneur who travels frequently will benefit from a card with travel points and extensive insurance.

If your expenses are mainly local, opt for a card offering cash back or rewards on gas and supplies.

Consider annual fees, interest rates, and foreign currency conversion fees. Compare reward programs to select the card that maximizes your benefits according to your profile.

The Best American Express Credit Cards

Annual fee
$199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,190
Welcome offerAfter $30,000 in 12 months
Up to 70,000 points
Apply Now

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®

  • 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.

Annual fee

Primary card$199
Additional card$50

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1xAll spending

Value

1st Year Value$148
2nd Year Value$209

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $100,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Annual fee
$799
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,360Total$1,360$680 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,360
Welcome offerAfter $15,000 in 3 months
Up to 120,000 points
Apply Now

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 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.

Annual fee

Primary card$799
Additional card$250

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

2nd Year Value$311

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Marriott BonvoyHotel

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Annual fee
$150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700$100 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$700
Welcome offerAfter $5,000 in 3 months
Up to 80,000 points
Apply Now

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 designed 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:

  • Earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership.
  • Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership.

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.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 3xTravel
  • 3xGas
  • 3xRestaurants
  • 2xAll spending

Value

1st Year Value$1,138
2nd Year Value$347

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Annual fee
$599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,300Total$1,300$500 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,300
Welcome offerAfter $10,500 in 3 months
Up to 90,000 points
Apply Now

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 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.

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.

Annual fee

Primary card$599
Additional card$199

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 3xAir Canada flights
  • 2xTravel
  • 1.25xAll spending

Value

1st Year Value$46
2nd Year Value$426

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

The Best Scotiabank Credit Cards

Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Scotiabank's website

The ScotiaLine for business Visa Card combines a Visa credit card and a business line of credit, with no annual fee. It gives businesses a flexible source of financing, with a limit of up to $500,000, to manage their expenses and cash flow.

The card offers flexible repayment terms, a 21-day interest-free grace period, free supplementary cards and personalized cheques, as well as extended warranty coverage at no additional cost on your purchases for up to 90 days.

The applicable interest rate is set based on the business profile.

Annual fee

Primary card$0
Additional card$0

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Annual fee
$79
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$325Total$325Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$325
Welcome offer
Up to $325
Ends Oct 31, 2026
Apply Now

on Scotiabank's website

The Scotia Momentum for business Visa Card is one of the best cash back options for business owners in Canada.

Welcome offer: earn 5% cash back on your first $6,500 in eligible purchases in the first 3 months.

You can earn up to 3% cash back on your business expenses:

  • 3% cash back on eligible purchases at gas stations, restaurants, office supply stores, and electric vehicle charging stations
  • 2% cash back on eligible shipping services and accounting or bookkeeping services, as well as on eligible recurring bill payments
  • 1% cash back on all other eligible purchases

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

What’s more, you currently benefit from an introductory rate of 2.99% on balance transfers for the first six months.

With the Scotia Momentum for business Visa Card, you also benefit from protections for your purchases:

  • Purchase Protection
  • Extended warranty

The card also offers practical financial management tools for your business:

  • Detailed expense reports
  • Flexible payment options
  • Interest-free grace period of up to 25 days
  • Access to online statements
  • Possibility of adding additional cards for your employees ($29 per card)

Annual fee

Primary card$79
Additional card$29

Conversion fees

2.5%

Earning rate

  • 3xOffice
  • 3xRestaurants
  • 3xGas
  • 3xBills & recurring payments
  • 1xAll spending

Value

1st Year Value$714
2nd Year Value$264

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$400
Welcome offerAfter $60,000 in 12 months
Up to 40,000 points
Ends Feb 28, 2027
Apply Now

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):

  • 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.

Annual fee

Primary card$199
Additional card$0

Annual income required

Individual$60,000
Household$100,000

Conversion fees

0%

Earning rate

  • 1.5xAll spending

Value

1st Year Value$407
2nd Year Value$401

Card benefits

Airport lounge access$240

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$150
Welcome offerAfter $1,500 in 3 months
15,000 points
Ends Nov 30, 2026
Apply Now

on Scotiabank's website

With the Scotia Home Hardware PRO Visa* Business Card, you can earn up to 15,000 bonus Scene+ points in the first year (that’s up to $150 in rewards) by making at least $1,500 in purchases at Home Hardware within the first 3 months of membership.

With this card, you earn 1 Scene+ point for every dollar of eligible business purchases at Home Hardware, redeemable for business rewards such as business travel, home renovations, entertainment, groceries, gift cards, technology or statement credits.

With the Scotia® Home Hardware PRO Visa* Business Card, you benefit from a 21-day interest-free grace period on new purchases, savings on purchases with Visa SavingsEdge, and up to 25% off AVIS and Budget car rentals.

Annual fee

Primary card$0
Additional card$0

Value

1st Year Value$354

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

The Best BMO Credit Cards

Annual feeNo annual fee the first year
$0 $175
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,005Annual fee rebated$175Total$1,180Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,180
Welcome offerAfter $30,000 in 12 months
Up to 150,000 points
Apply Now

on BMO's website

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 150,000 points as a welcome bonus:

  • 50,000 points after $10,000 in purchases within the first 110 days of account opening;
  • an additional 50,000 points after $20,000 in purchases within the first 180 days of account opening;
  • a further 50,000 points after $30,000 in purchases within the first 365 days of account opening.

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

Annual fee

Primary card$175
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 4xGas
  • 4xOffice
  • 4xTelecom
  • 1.5xAll spending

Value

1st Year Value$366
2nd Year Value$231

Card benefits

Airport lounge access$80

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$0
Welcome offerPlus a 0.00% welcome interest rate on balance transfers for nine months, with a 3% balance transfer fee.
Limited-time offer: 10% cash back for three months on gas, office supplies and mobile and internet bill payments.
Apply Now

on BMO's website

The BMO CashBack Mastercard for Business is one of the best cashback Mastercard credit cards in Canada.

You can get a 10% discount for three months on purchases:

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

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

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

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1.5xGas
  • 1.5xTelecom
  • 1.5xOffice
  • 1.5xBills & recurring payments
  • 0.75xAll spending

Value

1st Year Value$288
2nd Year Value$234

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

The Best CIBC Credit Cards

Annual feeNo annual fee the first year
$0 $180
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Annual fee rebated$180Total$880Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$880
Welcome offer+ Annual Fee Rebate for the First 2 YearsAfter $40,000 in 12 months
Up to 70,000 points
Apply Now

on CIBC's website

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.†
  • 50,000 Aventura points when $40,000 or more is spent within the first 12 monthly statement periods†

Plus, get an annual fee rebate for the first 2 years for the primary cardholder and three authorized users†

Annual fee

Primary card$180
Additional card$50

Annual income required

Individual$35,000
Household$35,000

Conversion fees

2.5%

Earning rate

  • 1.5xTravel
  • 1xAll spending

Value

1st Year Value$431
2nd Year Value$178

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Travel medical (65+)Up to $5,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
Annual feeNo annual fee the first year
$0 $180
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,500Annual fee rebated$180Total$1,680Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,680
Welcome offerAfter $40,000 in 12 months
Up to 75,000 points
Apply Now

on CIBC's website

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.

Annual fee

Primary card$180
Additional card$50

Annual income required

Individual$35,000
Household$35,000

Conversion fees

2.5%

Earning rate

  • 2xAir Canada flights
  • 1.5xGas
  • 1.5xTransit
  • 1.5xRestaurants
  • 1.5xTelecom
  • 1xAll spending

Value

1st Year Value$812
2nd Year Value$355

Travel insurance

Travel MedicalIncluded
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $65,000 / 48 days

The Best RBC Credit Cards

Annual feeNo annual fee the first year
$0 $175
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Annual fee rebated$175Total$1,875Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,875
Welcome offerAfter $15,000 in 6 months
Up to 100,000 points
Ends Nov 30, 2026
Apply Now

on RBC's website

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 up to 100,000 Avion points and the first year annual fee waived:

  • 25,000 points upon approval
  • 20,000 points on your first purchase
  • 20,000 points when you spend $5,000 in the first 3 months
  • 35,000 points when you spend $15,000 in the first 6 months

Offer valid for applications received by November 30, 2026.

What the card gives you:

  • 1.25 Avion 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 1,300 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 (waived the first year). 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.

Annual fee

Primary card$175
Additional card$75

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$1,539
2nd Year Value$275

Transfer partners

  • American Airlines AAdvantageAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Hotel BurglaryUp to $2,500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $2,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual feeNo annual fee the first year
$0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$595Annual fee rebated$120Total$715Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$715
Welcome offer+ First Year Annual Fee Waived
35,000 points
Apply Now

on RBC's website

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 35,000 Avion points on approval, with the first-year annual fee waived. The annual fee is $120 after that.

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.

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1xAll spending

Value

1st Year Value$942
2nd Year Value$264

Transfer partners

  • American Airlines AAdvantageAirline

Travel insurance

Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Hotel BurglaryUp to $2,500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$12
Welcome offer
No current welcome offer
Apply Now

on RBC's website

The RBC Visa Business Card is a simple, affordable business credit card, with a $12 annual fee per card. It is designed to help businesses separate their professional expenses from their personal finances and keep track of them.

You manage your account anytime online or through the mobile app: bill payments, transfers, transaction tracking and account updates at an ATM. The card does not include a rewards program.

The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Annual fee

Primary card$12
Additional card$12

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 0xAll spending

Value

2nd Year Value$-12

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on RBC's website

The RBC Business Cash Back Mastercard is a cash-back business credit card with no annual fee. It suits small businesses that want a simple return on their professional spending.

You earn 2% cash back on purchases charged to the card for the first three months, then 1% cash back afterward, with no categories to manage.

The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1xAll spending

Value

1st Year Value$204
2nd Year Value$240

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Annual fee
$175
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,000
Welcome offerAfter $15,000 in 6 months
Up to 100,000 points
Ends Nov 30, 2026
Apply Now

on RBC's website

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‡.

Annual fee

Primary card$175
Additional card$75

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 3xTelecom
  • 1.5xAll spending

Value

1st Year Value$944
2nd Year Value$239

Card benefits

Wi-Fi accessIncluded

Travel insurance

Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionIncluded
Delayed BaggageIncluded
Lost BaggageIncluded
Flight DelayIncluded
Hotel BurglaryIncluded
Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded
Extended WarrantyIncluded
Mobile DeviceIncluded
Auto Rental CollisionUp to $65,000 / 48 days
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on RBC's website

The RBC Visa CreditLine for Small Business Card combines a business credit card and a line of credit, with no annual fee. It gives small businesses a flexible source of financing to manage everyday expenses and cash flow.

You earn 1 RBC Rewards point for every $2 in net purchases charged to the card, redeemable through the RBC Rewards program.

The applicable interest rate is set based on the business profile. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Annual fee

Primary card$0
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 0.5xAll spending

Value

2nd Year Value$0

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years

Conclusion

Business credit cards allow you to efficiently manage your business expenses, while accumulating rewards tailored to your needs. Choosing the right card, adapted to your profile and objectives, will help you optimize your finances and your points.

What is a Business Card?

A business card is a credit card intended for the business expenses of a company, a self-employed individual, or a small business.

Is it Possible to get a Business Card without a Business Number?

Yes. Some issuers accept self-employed individuals with only their social insurance number and a good credit history.

What Fees should You Watch out for with a Business Card?

The main ones are annual fees, interest rates, foreign currency conversion fees, and over-limit fees.

How to Maximize Business Card Rewards?

Focus your eligible spending on the card, take advantage of welcome bonuses, and explore transfers to partner programs.