Canada · October 2026
Best business credit cards in Canada
Business credit cards, ranked by estimated net annual rewards value on the same reference spending. All amounts are in Canadian dollars.
43 business cards ranked
Earns 5 Marriott Bonvoy points per $1 at Marriott hotels, 3 on eligible gas, dining and travel, and 2 on everything else.
Earn: base 2 pts · gas 3 pts · dining 3 pts · travel 5 pts · everyday 2 pts
- Annual fee
- $150 ($50 per supplementary card)
- Est. net value / yr
- $671
- Welcome offer
- 70,000 Marriott Bonvoy points after $5,000 in 3 months plus 10,000 points after $1,000 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on travel, transportation, dining, shipping, internet, cable and phone, and 1 on other purchases.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $139
- Est. net value / yr
- $618
- Welcome offer
- Up to $2,500 in value including up to 75,000 Aeroplan points
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada purchases, 1.5 on travel, transit, dining, EV charging and select business categories, 1 on everything else.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $149 (Additional cards $49; first-year fee rebate for you and up to two additional cardholders)
- Est. net value / yr
- $608
- Welcome offer
- Up to 60,000 Aeroplan points: 10,000 on first purchase, 30,000 at $15,000 in 180 days, 20,000 at $25,000 in 365 days
- Purchase rate
- 14.99%
- Foreign transaction fee
- Not stated
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on travel, transportation, dining, shipping, internet, cable and phone, and 1 on other purchases.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $180 (First year rebated; additional cards $50 each (up to 9))
- Est. net value / yr
- $577
- Welcome offer
- Up to $2,600 in value including up to 75,000 Aeroplan points
- Purchase rate
- As low as 12.99%
- Foreign transaction fee
- 2.5%
Sole-proprietor business card earning 3% cash back on U.S. dollar purchases and 2% on other eligible purchases with an eligible Rogers/Shaw business service (1.5% otherwise).
Earn: base 1.5% · everyday 2%
- Annual fee
- $0 ($0 authorized users)
- Est. net value / yr
- $510
- Purchase rate
- 21.99%-25.99%
- Balance transfers
- 22.99%-27.99%
- Foreign transaction fee
- 2.5%
Premium business card earning 15 points per $1 on eligible spend and 20 points per $1 on tech, office supplies and agriculture, with lounge access and concierge.
Earn: base 15 pts · everyday 15 pts
- Est. net value / yr
- $450
- Welcome offer
- 150,000 welcome points
- Purchase rate
- 20.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Earn up to 6 WestJet points per $1 on WestJet flights, 3 per $1 on vacations, telecom, shipping and electronics, 1.5 per $1 on everything else; instant Silver status.
Earn: base 1.5 pts · travel 6 pts
- Annual fee
- $175 (Additional card $75 (max 9))
- Est. net value / yr
- $437
- Welcome offer
- Up to 100,000 WestJet points: 45,000 on first purchase, 20,000 at $5,000 in 3 months, 25,000 at $15,000 in 6 months, 10,000 anniversary bonus
- Purchase rate
- 19.99%
- Foreign transaction fee
- 2.5%
Earn 3% cash back at Costco gas and restaurants, 2% on Costco.ca, shipping, insurance, other gas and EV charging, and 1% on all other purchases.
Earn: base 1% · gas 3% · dining 3%
- Annual fee
- $0 (Requires Costco membership; $0 for up to 9 authorized users)
- Est. net value / yr
- $420
- Welcome offer
- $100 welcome bonus when you spend $3,000 within 120 days
- Foreign transaction fee
- 2.5%
Earn 1.25 Avion points per $1 on net purchases up to $75,000 per year, with airport lounge access via Visa Airport Companion.
Earn: base 1.25 pts
- Annual fee
- $175 (First year fee waiver with offer; additional card $75 (max 9))
- Est. net value / yr
- $350
- Welcome offer
- Up to 100,000 Avion points plus first-year fee waiver: 25,000 on approval, 20,000 on first purchase, 20,000 at $5,000 in 3 months, 35,000 at $15,000 in 6 months
- Purchase rate
- 19.99%
- Foreign transaction fee
- 2.5%
Earn 9 TD Rewards Points per $1 on Expedia For TD travel, 6 on dining, EV charging, transit, streaming, recurring bills and foreign currency purchases, and 2 on other business purchases.
Earn: base 2 pts · dining 6 pts · travel 9 pts
- Annual fee
- $149 (Additional cards $49; first-year fee rebate for you and up to four additional cardholders)
- Est. net value / yr
- $349
- Welcome offer
- Up to 200,000 TD Rewards Points: 30,000 on first purchase, 120,000 at $15,000 in 180 days, 30,000 at $25,000 in 365 days, 20,000 in 15th billing cycle
- Purchase rate
- 19.99%
- Foreign transaction fee
- Not stated
Earn 3% cash back on gas, EV charging, dining, office supplies and recurring bills (phone, internet, utilities, insurance), 2% on professional services, and 1% on everything else.
Earn: base 1% · gas 3% · dining 3%
- Annual fee
- $79 (Supplementary cards $29; annual fee rebate for physicians and dentists)
- Est. net value / yr
- $341
- Welcome offer
- 5% cash back on first $6,500 in purchases in first 3 months; 2.99% balance transfer rate for 6 months. Accounts opened May 1 to Oct 31, 2026
- Purchase rate
- 20.99%
- Balance transfers
- 2.99% balance transfer rate for first 6 months
- Foreign transaction fee
- 2.5%
Business card earning 3 points per $2 (1.5% cash back) on all purchases and 6 points per $2 outside Canada, for credit needs of $10,000 to $500,000.
Earn: base 1.5% · everyday 1.5%
- Annual fee
- $110 (No annual fee first year including additional cards; additional cards $49)
- Est. net value / yr
- $340
- Welcome offer
- No annual fee for the first year including additional cards
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earns 3 Aeroplan points per $1 on Air Canada, 2.5 at Hyatt, 2 on eligible hotels and car rentals in Canada, and 1.25 on everything else.
Earn: base 1.25 pts · travel 3 pts · everyday 1.25 pts
- Annual fee
- $599 (Rises to $799 on Jan 12 2027; $199 per supplementary Business Reserve Card)
- Est. net value / yr
- $338
- Welcome offer
- Elevated offer: 80,000 Aeroplan points after $10,500 in 3 months plus 40,000 points after $3,500 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 1.5 points per dollar with no purchase limit, plus 1.5 more points on À la carte Travel agency purchases; points combine with a personal National Bank rewards card.
Earn: base 1.5 pts
- Annual fee
- $125 (Additional card $50)
- Est. net value / yr
- $325
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Business Visa Infinite earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Welcome offer
- 0% balance transfer 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points (terms apply)
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business World earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business Visa Infinite earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business Visa Infinite earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel via the CIBC Rewards Centre, 1.5 on gas, EV charging, travel and transportation, and 1 on other purchases.
Earn: base 1 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (Two options: $139 at 20.99% or $180 at lower rate; additional cards $50 each (up to 9))
- Est. net value / yr
- $313
- Welcome offer
- Earn up to $2,200 in value including annual fee rebate for the first 2 years
- Purchase rate
- 20.99% ($139 fee option); as low as 12.99% ($180 fee option)
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel via the CIBC Rewards Centre, 1.5 on gas, EV charging, travel, transportation and parking/tolls/truck rentals, and 1 on other purchases.
Earn: base 1 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (Additional cards $50 each (up to 15))
- Est. net value / yr
- $313
- Welcome offer
- Earn up to $2,200 in value including annual fee rebate for the first 2 years
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Business World Elite card earning 10 points per $1 on all eligible spend and 15 points per $1 on tech, office supplies and agriculture, with a 12.99% rate.
Earn: base 10 pts · everyday 10 pts
- Annual fee
- $0 ($0 monthly fee; $0 additional card)
- Est. net value / yr
- $300
- Welcome offer
- 10,000 welcome points
- Purchase rate
- 12.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Business card earning 1 reward point per $1 (about 1% cash back) with no limits, for credit needs of $500 to $100,000.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (Additional cards $0)
- Est. net value / yr
- $300
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
2% cash back on purchases in the first three months, then 1% cash back.
Earn: base 1%
- Annual fee
- $0 (Additional card $0 (max 1))
- Est. net value / yr
- $300
- Purchase rate
- 19.99%
- Foreign transaction fee
- 2.5%
Earn 1 Scene+ point per $1 on eligible business purchases at Home Hardware locations; interest from Prime + 4.99% to 10.99% with secured limits $5,000 to $500,000.
Earn: base 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $300
- Welcome offer
- Up to 15,000 bonus Scene+ points when you spend $1,500 at Home Hardware in first 3 months. Open account Oct 1 to Nov 30, 2026
- Purchase rate
- From Prime + 4.99% to 10.99%
- Foreign transaction fee
- 2.5%
Earn 1% cash back on all eligible business purchases.
Earn: base 1%
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $300
- Welcome offer
- 10% cash back on first $1,500 in purchases in first 3 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1 Avion point per $1 on net purchases; points can be pooled with personal Avion cards.
Earn: base 1 pts
- Annual fee
- $120 (First year annual fee waived with offer; additional card $50)
- Est. net value / yr
- $300
- Welcome offer
- 35,000 Avion points upon approval plus first-year annual fee waived
- Purchase rate
- 19.99%
- Foreign transaction fee
- 2.5%
Business card for annual spending between $500,000 and $750,000 with up to 1% cash back and interest at prime plus 8.5%.
Earn: base 1%
- Annual fee
- $25 ($25 per card)
- Est. net value / yr
- $275
- Purchase rate
- Prime + 8.5%
- Foreign transaction fee
- 2.5%
Business card earning 1 reward point per $1 (about 1% cash back) with no limits, for credit needs of $5,000 to $250,000.
Earn: base 1% · everyday 1%
- Annual fee
- $49 (No annual fee first year; additional cards $0)
- Est. net value / yr
- $251
- Welcome offer
- No annual fee for the first year
- Purchase rate
- Meridian Prime + (1.29% - 9.29%)
- Foreign transaction fee
- 2.5%
Earn 1.5 Scene+ points per $1 on eligible business purchases, with no foreign transaction fees and 6 complimentary airport lounge passes.
Earn: base 1.5 pts
- Annual fee
- $199 (First year waived for eligible professionals; first supplementary card $0, then $50)
- Est. net value / yr
- $251
- Welcome offer
- Up to 40,000 bonus Scene+ points: 30,000 at $5,000 in 3 months plus 10,000 at $60,000 in 12 months. Open account May 1 to Oct 31, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- None
Earn 1.5% cash back on gas, office supplies and cellphone/internet bills, and 0.75% on all other purchases.
Earn: base 0.75% · gas 1.5%
- Annual fee
- $0
- Est. net value / yr
- $243
- Welcome offer
- 10% cash back on gas, office supplies and cellphone/internet bills for 3 months; 0.00% balance transfer for 9 months with 3% fee
- Purchase rate
- 20.99%
- Balance transfers
- 0.00% introductory rate on balance transfers for 9 months with 3% transfer fee
- Foreign transaction fee
- Not stated
Low-interest card for small businesses with up to 1% cash back and interest at prime plus 8.5%.
Earn: base 1%
- Annual fee
- $60 (No annual fee for first year (promotional); then $60 per card, $40 per card if 5+ cards)
- Est. net value / yr
- $240
- Purchase rate
- Prime + 8.5%
- Foreign transaction fee
- 2.5%
Earn 2 BMO Rewards points per $1 on gas, office supplies and cellphone/internet bills, and 1 point per $1 on everything else.
Earn: base 1 pts · gas 2 pts
- Annual fee
- $0
- Est. net value / yr
- $216
- Welcome offer
- 25,000 BMO Rewards points when you spend $3,000 in first 110 days plus 0% balance transfer for 9 months with 3% fee
- Purchase rate
- 18.99%
- Balance transfers
- 0.00% introductory rate on balance transfers for 9 months with 3% transfer fee
- Foreign transaction fee
- Not stated
Earn Blue Rewards points: 10 per $1 at partners and via Blue Rewards Travel, 2 per $1 on gas and EV charging, and 1 per $1 base.
Earn: base 1 pts · gas 2 pts
- Annual fee
- $0
- Est. net value / yr
- $216
- Welcome offer
- 30,000 bonus points when you spend $3,000 in first 110 days
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
Unsecured line of credit with a credit card: earn 1 Avion point per $2 spent; purchase rate from Prime + 2.9% to 11.9%.
Earn: base 0.5 pts
- Annual fee
- $0 (Additional card $0 (max 1); up to 2 cards per company)
- Est. net value / yr
- $210
- Purchase rate
- From Prime + 2.9% to 11.9%
- Foreign transaction fee
- 2.5%
Earn 2% Cash Back Dollars on gas, EV charging, transit, recurring bills, streaming and office supplies, and 0.5% on all other purchases.
Earn: base 0.5% · gas 2%
- Annual fee
- $0 (Additional cards $0)
- Est. net value / yr
- $186
- Purchase rate
- 19.99%
- Foreign transaction fee
- Not stated
Earn 4 BMO Rewards points per $1 on office supplies, cellphone/internet bills and gas, and 1.5 points per $1 on everything else.
Earn: base 1.5 pts · gas 4 pts
- Annual fee
- $175 (Waived first year for primary card and two employee cards)
- Est. net value / yr
- $165
- Welcome offer
- Up to 150,000 bonus BMO Rewards points in first year (up to $1,000 value); total offer up to $2,175 value
- Purchase rate
- 18.99%
- Foreign transaction fee
- Not stated
No-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
- #38
Conexus No Fee Cash Back Business Mastercard Conexus Credit Union (Collabria Mastercard)
Net $150/yrNo-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
No-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
No-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
Earns 1 Membership Rewards point per $1 plus a 10,000-point bonus each quarter in which $20,000 is charged.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $199 (Charge card; Employee Cards $50 each)
- Est. net value / yr
- $146
- Welcome offer
- Elevated offer: 60,000 points after $7,500 in 3 months plus 30,000 points after $30,000 in first year (up to 90,000)
- Foreign transaction fee
- Not stated
Earn Blue Rewards points: 12.5 per $1 at partners and via Blue Rewards Travel, 2.5 per $1 on gas and EV charging, and 1.25 per $1 base.
Earn: base 1.25 pts · gas 2.5 pts
- Annual fee
- $175 (Waived in first year for primary cardholder)
- Est. net value / yr
- $95
- Welcome offer
- Up to $1,960 value including up to 150,000 bonus points in first year
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
Charge card earning 1.25 Membership Rewards points per $1 on all purchases, with premium travel benefits and no pre-set spending limit.
Earn: base 1.25 pts · everyday 1.25 pts
- Annual fee
- $799 (Charge card; Employee Business Platinum Cards $250; Employee Business Gold Cards $0 (up to 99))
- Est. net value / yr
- −$368
- Welcome offer
- 80,000 Membership Rewards points after $15,000 in 3 months plus 40,000 points on a purchase between months 15 and 17
- Purchase rate
- 21.99% (Flexible Payment Option balance; 30% delinquent)
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.
How these cards are ranked
Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.
Frequently asked questions
Which is the best business credit card in Canada?
By our ranking rule, Marriott Bonvoy Business American Express Card from American Express Canada currently ranks first at an estimated $671 net a year. The right card depends on your own spending, so check the issuer’s terms before applying.
How do you calculate the ranking?
We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.
Are these cards available in Quebec?
Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.
Do I need a minimum income?
Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.
More Canadian card guides
- All cards
- Cash back
- Travel
- No annual fee
- Low interest
- Balance transfer
- Student
- Secured & rebuild
- No FX fee
- Groceries
- Gas
- Affinity Rewards
- Collabria Flex Rewards
- Aeroplan
- Amex Membership Rewards (Canada)
- BMO Rewards
- CIBC Aventura
- Meridian Rewards
- RBC Avion Rewards
- Scene+
- Vancity Rewards
- Canadian point values
- Cards by issuer
- Cross-border cards & points