Best business credit cards in Canada
Business credit cards for companies and sole owners, ranked by what they earn after the annual fee.
Card details updated November 10, 2026 How we rank
What’s in each?
- Solo:
- Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
- Small team:
- Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
- Growing:
- Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Not sure which kind of card you need? Help me choose
16 of 27 business credit cards match your filters
Ranked by value in year one at $6,000 a month, after fees. How we rank
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Ranked 1. TD® Aeroplan® Visa Business Card
TD · Visa
Worth in year one $3,076Then each year $1,7274% back on flights, 2% back on everything else
- Welcome offer
- $1,200 you’d get The full offer. Up to 60,000 Aeroplan points.
- Annual fee
- $0 first year Then $149 a year
Income rule not listed
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Ranked 2. RBC Avion Visa Infinite Business
RBC · Visa
Worth in year one $2,985Then each year $1,5352.1% back on everything
- Welcome offer
- $1,275 you’d get The full offer. Up to 75,000 Avion points.
- Annual fee
- $0 first year Then $175 a year
Needs $60,000 personal or $100,000 household income
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Ranked 3. American Express® Aeroplan® Business Reserve Card
American Express Expert Score 6.6 out of 10. Fair
Worth in year one $2,901Then each year $1,6016% back on flights, 2.5% back on everything else
- Welcome offer
- $1,300 you’d get All of year one’s offer. Up to 90,000 Aeroplan points.
- Annual fee
- $599 a year
Income rule not listed
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Read the full review: American Express® Aeroplan® Business Reserve Card
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Ranked 4. Business Platinum Card® from American Express
American Express Expert Score 7.7 out of 10. Good
Worth in year one $2,551Then each year $1,1912.1% back on everything
- Welcome offer
- $1,360 you’d get All of year one’s offer. Up to 120,000 Membership Rewards points.
- Annual fee
- $799 a year
Income rule not listed
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Read the full review: Business Platinum Card® from American Express
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Best welcome offers right now
What you’d actually get at $6,000 a month.
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Business Platinum Card® from American Express
$1,360 you’d get
Up to 120,000 Membership Rewards points.
All of year one’s offer at your spending
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American Express® Aeroplan® Business Reserve Card
$1,300 you’d get
Up to 90,000 Aeroplan points.
All of year one’s offer at your spending
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RBC Avion Visa Infinite Business
$1,275 you’d get
Up to 75,000 Avion points.
The full offer at your spending
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TD® Aeroplan® Visa Business Card
$1,200 you’d get
Up to 60,000 Aeroplan points.
The full offer at your spending
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American Express® Business Gold Rewards Card
$1,190 you’d get
Up to 70,000 Membership Rewards points.
The full offer at your spending
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TD Business Travel Visa Card
$900 you’d get
Up to 200,000 TD Rewards points.
All of year one’s offer at your spending
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Ranked 5. American Express® Business Gold Rewards Card
American Express Expert Score 8.1 out of 10. Very good
Worth in year one $2,335Then each year $1,1451.7% back on everything
- Welcome offer
- $1,190 you’d get The full offer. Up to 70,000 Membership Rewards points.
- Annual fee
- $199 a year
Income rule not listed
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Read the full review: American Express® Business Gold Rewards Card
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Ranked 6. TD Business Travel Visa Card
TD · Visa Expert Score 7.3 out of 10. Good
Worth in year one $2,248Then each year $1,1994.5% back on travel, 1% back on everything else
- Welcome offer
- $900 you’d get All of year one’s offer. Up to 200,000 TD Rewards points.
- Annual fee
- $0 first year Then $149 a year
Income rule not listed
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Ranked 7. CIBC Aeroplan® Visa Business Card
CIBC · Visa
Worth in year one $2,216Then each year $1,5364% back on flights, 2% back on everything else
- Welcome offer
- $500 you’d get The full offer. Up to 25,000 Aeroplan points.
- Annual fee
- $0 first year Then $180 a year
Needs $35,000 personal income
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Ranked 8. WestJet RBC World Elite Mastercard for Business
RBC · Mastercard
Worth in year one $2,175Then each year $1,2756% back on flights, 1.5% back on everything else
- Welcome offer
- $900 you’d get All of year one’s offer. Up to 100,000 WestJet points.
- Annual fee
- $175 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: WestJet RBC World Elite Mastercard for Business
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Ranked 9. CIBC Aeroplan® Visa Business Plus Card
CIBC · Visa
Worth in year one $2,097Then each year $1,5774% back on flights, 2% back on everything else
- Welcome offer
- $400 you’d get The full offer. Up to 20,000 Aeroplan points.
- Annual fee
- $19 first year Then $139 a year
Income rule not listed
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Read the full review: CIBC Aeroplan® Visa Business Plus Card
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Ranked 10. RBC® Visa Business Platinum Avion®
RBC · Visa
Worth in year one $1,939Then each year $1,2241.7% back on everything
- Welcome offer
- $595 you’d get The full offer. Up to 35,000 Avion points.
- Annual fee
- $0 first year Then $120 a year
Income rule not listed
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Ranked 11. Marriott Bonvoy™ Business American Express® Card
American Express Expert Score 7.2 out of 10. Good
Worth in year one $1,807Then each year $1,2474% back on hotels, 1.6% back on everything else
- Welcome offer
- $560 you’d get All of year one’s offer. Up to 80,000 Bonvoy points.
- Annual fee
- $150 a year
Income rule not listed
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Read the full review: Marriott Bonvoy™ Business American Express® Card
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Ranked 12. Scotiabank Passport™ Visa Infinite Business Card
Scotiabank · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $1,771Then each year $1,3711.5% back on everything
- Welcome offer
- $400 you’d get The full offer. Up to 40,000 Scene+ points.
- Annual fee
- $199 a year
Needs $60,000 personal or $100,000 household income
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Read the full review: Scotiabank Passport™ Visa Infinite Business Card
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Ranked 13. BMO Ascend World Elite Business Mastercard
BMO · Mastercard
Worth in year one $1,580Then each year $1,0702.7% back on gas, recurring bills and office supplies, 1% back on everything else
- Welcome offer
- $335 you’d get The full offer. Up to 50,000 BMO Rewards points.
- Annual fee
- $0 first year Then $175 a year
Needs $80,000 personal or $150,000 household income
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Read the full review: BMO Ascend World Elite Business Mastercard
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Ranked 14. CIBC Costco® Business Mastercard®
CIBC · Mastercard
Worth in year one $970Then each year $8703% back on restaurants, 1% back on everything else
- Welcome offer
- $100 you’d get The full offer. Up to $100 back.
- Annual fee
- $0 No annual fee
Needs $15,000 personal income
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Ranked 15. BMO Ascend Business Mastercard
BMO · Mastercard Expert Score 7.1 out of 10. Good
Worth in year one $854Then each year $5671.3% back on gas, recurring bills and office supplies, 0.7% back on everything else
- Welcome offer
- $168 you’d get The full offer. Up to 25,000 BMO Rewards points.
- Annual fee
- $0 first year Then $120 a year
Income rule not listed
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Ranked 16. Scotia® Home Hardware PRO Visa* Business Card
Scotiabank · Visa
Earned in year one 15,000 pointsThen each year 0 points1 point per $1 on home improvement
- Welcome offer
- 15,000 points you’d get The full offer. Up to 15,000 points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Read the full review: Scotia® Home Hardware PRO Visa* Business Card
Showing 16 of 16 cards
Filters
Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Solo, $2,500 a month: Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
- Small team, $6,000 a month: Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
- Growing, $15,000 a month: Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
Help me choose
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Which kind of card fits you?
Start with what you want the card to do. Each one has its own ranked list.
- Cash back Good if you want money off your bill with no points to learn. Watch for the top rate usually covering a few kinds of spending, often with a yearly cap.
- Travel points Good if you fly at least once a year and will use points for flights. Watch for higher annual fees. Points are worth less on merchandise.
- No annual fee Good if you spend under about $1,500 a month or want a backup card. Watch for lower earn rates and fewer insurance perks.
- Low interest Good if you sometimes carry a balance from month to month. Watch for little or no rewards. Paying in full each month saves more than any rate.
- Balance transfer Good if you have card debt to pay down over several months. Watch for a transfer fee and the regular rate once the promo ends.
- No foreign fee Good if you shop in US dollars or travel outside Canada. Watch for an annual fee on most of them. The fee you save abroad can cover it.
- New to Canada Good if you’ve just arrived and have no Canadian credit history yet. Watch for lower limits at first. Some need a Canadian bank account or a deposit.
- Build credit Good if you’re rebuilding your credit after missed payments. Watch for the deposit, which sets your limit. Rewards are small or none.
- Students Good if you’re in school with little or no income. Watch for low limits. Pay on time and the card builds your history.
Cards by bank
Cards by network
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction