Best Business Credit Cards in Canada | Un Accro du Rabais

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Best for: 1st Yr Fee Rebate

CIBC Aeroplan Visa Business Card

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CIBC Aeroplan Visa Business Card

CIBC Visa Aeroplan

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5.0Ratesopedia rating

The CIBC Aeroplan Visa Business Card offers a first year annual fee rebate (regular fee $180/yr). It comes with a welcome bonus of 75,000 points. You earn 1x on groceries and 1.5x at restaurants. Estimated first-year value is $2,088.

1st Yr Fee Rebate

Annual Fee: $180 $0
Rewards rate: 1x
Welcome Bonus: 75,000 points
1st Year Value: $2,088

Pros

First Year Annual Fee Rebate
Welcome bonus of 75,000 points
Estimated 1st-year value of $2,088

Cons

High annual fee ($180)
Requires good credit

Best for: Overall value

American Express Aeroplan Business Reserve Card

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American Express Aeroplan Business Reserve Card

Amex Amex Aeroplan

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5.0Ratesopedia rating

It comes with a welcome bonus of 90,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,826.

Best of Month

Annual Fee: $599
Rewards rate: 1.25x
Welcome Bonus: 90,000 points
1st Year Value: $1,826

Pros

Welcome bonus of 90,000 points
Estimated 1st-year value of $1,826

Cons

High annual fee ($599)

Best for: Overall value

Business Platinum Card from American Express

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Business Platinum Card from American Express

Amex Amex Amex Membership Rewards

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4.8Ratesopedia rating

It comes with a welcome bonus of 120,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,715.

Best of Month

Annual Fee: $799
Rewards rate: 1.25x
Welcome Bonus: 120,000 points
1st Year Value: $1,715

Pros

Welcome bonus of 120,000 points
Estimated 1st-year value of $1,715

Cons

High annual fee ($799)

Best for: Overall value

American Express Business Gold Rewards Card

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American Express Business Gold Rewards Card

Amex Amex Amex Membership Rewards

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5.0Ratesopedia rating

It comes with a welcome bonus of 70,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,370.

Best of Month

Annual Fee: $199
Rewards rate: 1x
Welcome Bonus: 70,000 points
1st Year Value: $1,370

Pros

Welcome bonus of 70,000 points
Estimated 1st-year value of $1,370

Cons

High annual fee ($199)

Best for: Travel rewards

CIBC Aventura Visa Card for Business

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CIBC Aventura Visa Card for Business

CIBC Visa CIBC Aventura

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5.0Ratesopedia rating

The CIBC Aventura Visa Card for Business offers a first year annual fee rebate (regular fee $180/yr). It comes with a welcome bonus of 75,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,198.

1st Yr Fee Rebate

Annual Fee: $180 $0
Rewards rate: 1x
Welcome Bonus: 75,000 points
1st Year Value: $1,198

Pros

First Year Annual Fee Rebate
Welcome bonus of 75,000 points
Estimated 1st-year value of $1,198

Cons

High annual fee ($180)
Requires good credit

Best for: Travel rewards

Marriott Bonvoy Business American Express Card

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SponsoredMarriott Bonvoy Business American Express Card

Amex Amex Marriott Bonvoy

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5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,067.

Best of Month

Annual Fee: $150
Rewards rate: 2x
Welcome Bonus: 80,000 points
1st Year Value: $1,067

Pros

Welcome bonus of 80,000 points
2x on groceries
3x at restaurants
Estimated 1st-year value of $1,067

Cons

Fewer premium perks

Best for: 1st Yr Fee Rebate

BMO Ascend World EliteBusiness Mastercard

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BMO Ascend World EliteBusiness Mastercard

BMO Mastercard BMO Rewards

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5.0Ratesopedia rating

The BMO Ascend World EliteBusiness Mastercard offers a first year annual fee rebate (regular fee $149/yr). It comes with a welcome bonus of 100,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,063.

Best of Month1st Yr Fee Rebate

Annual Fee: $149 $0
Rewards rate: 1.5x
Welcome Bonus: 100,000 points
1st Year Value: $1,063

Pros

First Year Annual Fee Rebate
Welcome bonus of 100,000 points
Estimated 1st-year value of $1,063

Cons

Fewer premium perks

Best for: Travel rewards

RBC Avion Visa Infinite Business Card

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RBC Avion Visa Infinite Business Card

RBC Visa RBC Avion Rewards

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4.2Ratesopedia rating

It comes with a welcome bonus of 35,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $769.

Annual Fee: $175
Rewards rate: 1.25x
Welcome Bonus: 35,000 points
1st Year Value: $769

Pros

Welcome bonus of 35,000 points
Estimated 1st-year value of $769

Cons

High annual fee ($175)
Requires good credit

Best for: 1st Yr Fee Rebate

Scotiabank Passport Visa Infinite Business Card

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Scotiabank Passport Visa Infinite Business Card

Scotia Visa Scene+

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4.3Ratesopedia rating

The Scotiabank Passport Visa Infinite Business Card offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $735.

1st Yr Fee Rebate

Annual Fee: $199 $0
Rewards rate: 1.5x
Welcome Bonus: 40,000 points
1st Year Value: $735

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $735

Cons

High annual fee ($199)
Requires good credit

Best for: Overall value

WestJet RBC World Elite Mastercard for Business

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SponsoredWestJet RBC World Elite Mastercard for Business

RBC Mastercard WestJet Rewards

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4.2Ratesopedia rating

It comes with a welcome bonus of 45,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $664.

Annual Fee: $175
Rewards rate: 1.5x
Welcome Bonus: 45,000 points
1st Year Value: $664

Pros

Welcome bonus of 45,000 points
Estimated 1st-year value of $664

Cons

High annual fee ($175)
Requires good credit

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Complete Guide

Best Business Credit Cards in Canada

Compare business credit cards in Canada — employee cards, expense management, generous welcome bonuses, and rewards on B2B spend categories.

Business credit cards separate company expenses from personal spend, scale rewards across higher monthly volumes, and unlock features that consumer cards simply don’t offer — employee cards with custom limits, expense reporting integrations, and category bonuses on B2B spend like advertising, software, and shipping.

Who Should Get a Business Card

Sole proprietors, incorporated businesses, freelancers with consistent revenue, and even side-hustlers can qualify. Issuers ask for business name, revenue estimate, and your personal SIN — most don’t require a separate business credit history.

18

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Do I need to be incorporated to get a business credit card?

No. Sole proprietors and freelancers qualify too. Some issuers will ask for business documentation; others approve based on the operating name and your personal credit profile.

2Are business card welcome bonuses bigger than personal ones?

Often yes — Amex Business cards routinely offer welcome bonuses 1.5–2× larger than their personal counterparts because business spend volumes are typically higher.

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