Top Business Credit Cards

Below are the top business credit cards in Canada
(sorted by annual fees, then alphabetically):

 


  • $79 annual fee
  • $29 annual fee for a supplementary cardholder
  • Earn 3% cash back at gas stations, restaurants, office supply stores purchases and recurring bill payments (e.g. phone, utilities, Internet, insurance)
  • Earn 1% cash back on all other purchases
  • Apply-Now


  • $99 annual fee
  • No annual fee for a supplementary cardholder (99 maximum cards)
  • Earn 57,000 sign up bonus Membership Rewards points (earn 45,000 points after spending $5,000 in the first 3 months and earn 1,000 points for spending $3,000 per month in the first 12 months)
  • Earn 3 points for every $1 spent on office supplies & electronics, rides & gas and eats & drinks (up to 75,000 points annually, earn 1 point per dollar thereafter)
  • Earn 1 point for every $1 spent on all purchases
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  • $120 annual fee (waived the first year if you apply before December 31, 2023)
  • $50 annual fee for a supplementary cardholder
  • Earn 50,000 sign up bonus points after spending $5,000 in the first 3 months (if you apply before December 31, 2023)
  • Earn 3 BMO Reward points for every $1 spent on gas, office supplies, cell phone and internet recurring payments
  • Earn 1.5 BMO Reward points for every $1 spent on all purchases
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  • $120 annual fee (first year fee waived)
  • $50 annual fee for a supplementary cardholder (up to 3 maximum)
  • Earn 60,000 sign up bonus points (earn 25,000 Aventura points after the first purchase and earn 35,000 Aventura Points after spending $65,000 in the first 12 months)
  • Earn 2 points for every $1 spent on the CIBC Aventura Rewards Centre
  • Earn 1.5 point for every $1 you spend on gas and travel purchases
  • Earn 1 point for every $1 spent on all purchases
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  • $120 annual fee
  • $50 annual fee for a supplementary cardholder
  • Earn 20,000 sign up bonus Avion points (after the first purchase)
  • Earn up to 5 points for every $1 spent on the RBC Rewards eMall
  • Earn 1 Avion point for every $1 spent on all purchases
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  • $149 annual fee (first year fee waived for applying before September 5, 2023)
  • $49 annual fee for a supplementary cardholder
  • Earn 50,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase, earn 30,000 points after spending $5,000 in the first 3 months and earn 10,000 10,000 by setting up new recurring bill payments (maximum two)) (apply by September 5, 2023)
  • Earn 2 points per $1 spent on Air Canada purchases
  • Earn 1.5 point per $1 spent on shipping, internet, cable, phone services, travel and dining purchases
  • Earn 1 points per $1 spent on all other purchases
  • Receive 4 Air Canada Maple Leaf Lounge passes
  • Receive free first checked bag (up to 8 additional companions)
  • Receive $100 NEXUS application credit once every 48 months (applies to supplementary cardholders too)
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  • $149 annual fee (first year fee waived for applying before September 5, 2023)
  • $49 annual fee for a supplementary cardholder
  • Earn 100,000 sign up bonus points after the first purchase (earn 20,000 TD points after the first purchase and earn 80,000 TD points after spending $5,000 within 180 days) (apply before September 5, 2023)
  • Earn 9 points for every $1 spent on ExpediaforTD.com
  • Earn 6 points for every $1 for every $1 spent on foreign currency purchases, restaurant and regularly recurring bill payments
  • Earn 2 points for every $1 spent on all other purchases
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  • $150 annual fee
  • $50 annual fee for a supplementary card
  • Earn 65,000 sign up bonus points (earn 65,000 points after spending $3,000 in the first 3 months)
  • Earn 10,000 referral bonus points for every approved referral (up to a maximum of 150,000 bonus points)
  • Receive a $100 statement credit after spending $3,000 in the first 3 months
  • Earn 5 points for every $1 spent at participating Marriot hotels
  • Earn 3 points for every $1 spent on dining, gas and travel
  • Earn 2 point for every $1 spent on all purchases
  • Receive 1 Free Night Award every year after the Card account anniversary (redemption of up to 35,000 points)
  • Receive complimentary Silver Elite status with your Card
  • Earn Gold Elite status after spending $30,000 in a calendar year
  • Receive 15 Elite Night Credits each calendar year with Marriott Bonvoy
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  • $180 annual fee (first year fee waived)
  • $50 annual fee for a supplementary cardholder (up to 9 maximum)
  • Earn 60,000 sign up Aeroplan bonus points (earn 10,000 points after the first purchase, earn 20,000 after spending $3,000 in the first 4 monthly statements and earn 30,000 points after spending $35,000 in the first 12 months)
  • Earn 2 points per $1 spent on Air Canada purchases
  • Earn 1.5 point per $1 spent on shipping, internet, cable, phone services, travel and dining purchases
  • Earn 1 points per $1 spent on all other purchases
  • Receive 4 Air Canada Maple Leaf Lounge passes
  • Receive free first checked bag (up to 8 additional companions)
  • Earn 1,000 status qualifying miles and 1 status qualifying segment for every $5,000 spent
  • $35,000 individual annual income requirement
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  • $199 annual fee
  • $50 annual fee for a supplementary card (first card fee waived)
  • Earn 40,000 sign up bonus Scene+ points (earn 30,000 for spending $5,000 within the first 3 months and earn 10,000 Scotia Reward bonus points for spending $60,000 in the first 12 months) (apply before October 31, 2023)
  • Earn 1.5 Scotia Reward points for every $1 spent on all purchases
  • Receive 6 complimentary Priority Pass lounge passes
  • No foreign transaction fees
  • Spend at least $30,000 annually on your credit card. Have at least $60,000 personal annual income, $100,000 annual household income or $250,000 assets under management, as well as a minimum business annual sales revenue of $500,000
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  • $199 annual fee
  • $50 annual fee for a supplementary cardholders
  • Earn 110,000 sign up bonus points (earn 70,000 points after spending $5,000 in the first 3 months, earn 10,000 points for making a purchase after 14 months, earn 10,000 bonus points for every $20,000 spent per year up to 40,000 bonus points per year)
  • Earn 1 point for every $1 spent on all purchases
  • Earn 1 additional point for every $1 spent at 3 suppliers of your choice to a maximum of 250,000 additional points each calendar year
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  • $499 annual fee
  • $199 annual fee for a supplementary cardholders
  • Earn 80,000 sign up bonus points (earn 80,000 points after spending $6,000 in the first 3 months)
  • Earn 1.25 point for every $1 spent on all purchases
  • Unlimited access to Plaza Premium Lounges, Priority Pass Lounges, The Centurion Lounges and Delta Sky Club Lounges
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  • $599 annual fee
  • $199 annual fee for supplementary cardholders
  • Earn 85,000 sign up Aeroplan bonus points (earn 25,000 points after spending $3,000 in the first 3 months, another 5,000 points per month by spending $1,000 monthly in the first 12 months, up to 60,000 points)
  • Receive $100 statement credit (after spending $5,000 in the first 3 months)
  • Earn 10 points per $1 spent on Air Canada and Air Canada Vacations purchases (in the first 6 months or up to 30,000 maximum points)
  • Earn 3 points per $1 spent on Air Canada and Air Canada Vacations purchases (after the first 6 months)
  • Earn 2 points per $1 spent on hotel and car rental purchases
  • Earn 1 points per $1 spent on all other purchases
  • Receive unlimited access to select Air Canada Maple Leaf Lounges and Air Canada Cafes in North America (with a same day ticket on a departing Air Canada or Star Alliance flight)
  • Receive free first checked bag (up to 8 additional companions)
  • Receive priority airport check-in, priority boarding, priority baggage handling, priority standby, priority upgrade (on Air Canada flights)
  • Earn 1,000 status qualifying miles and 1 status qualifying segment for every $5,000 spent
  • Receive Annual Worldwide Companion Pass after spending $25,000 annually (based on anniversary date)
  • Receive unlimited Priority Pass lounges access
  • Receive exclusive benefits at Toronto Pearson Airport (e.g. expedited security line, complimentary valet, save on parking, save on car care)
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