The best business credit cards give you plenty of value in Canada when you focus on earning valuable points on business expenses that let you travel for nearly free.
The best business cards offer generous welcome bonuses, strong earning rates on your business expenses, and useful travel benefits.
You’ll earn plenty of valuable points on the purchases you already make for your business, with the flexibility to redeem them the way you want.
These cards work well for business owners who want travel rewards and travel perks that save you money on trips.
The annual fee may also be tax deductible when the card is used for business purposes.
Here’s our hand picked list of the best business credit cards in Canada for December 2025.
Best cards by program
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Best reward cards
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Best Luxury Business Travel Card
American Express® Business Platinum Card
Terms & Conditions apply
- The American Express® Business Platinum Card is the best luxury travel card for small business owners who value flexible Membership Rewards® points.
- You’ll get unlimited airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
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Best mid-range Amex® MR business card
American Express® Business Gold Rewards Card
Terms & Conditions apply
- The American Express® Business Gold Rewards Card is one of the best mid-range travel cards for small business owners who value flexible Membership Rewards® points.
- You’ll get statement credits and useful travel and purchase insurance.
Welcome Points: 40,000
Welcome Value: $1,300
Annual Fee: $199
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Best Business Marriott Bonvoy® Card
Marriott Bonvoy® Business American Express® Card
Terms & Conditions apply
The Marriott Bonvoy® Business American Express® Card is the best card in Canada for small business owners who are Marriott Bonvoy® loyalists.
You’ll get a strong welcome bonus and earn Marriott Bonvoy® points on every purchase, with the best earning rates when paying at Marriott properties.
You’ll also get great benefits like nights toward elite status and an annual Free Night Award.
Welcome Points: 60,000
Welcome Value: $750
Annual Fee: $150
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Best Mid-Tier Business Aeroplan® Card
TD® Aeroplan® Visa* Business Card
Terms & Conditions apply
- The TD® Aeroplan® Visa* Business Card is the best mid-tier Aeroplan® Visa* for small business owners who want broader acceptance.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag and solid travel insurance.
Welcome Points: 60,000
Welcome Value: $1,980
Annual Fee: $149
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Best Mid-Tier Business Aeroplan® Card
CIBC Aeroplan® Visa* Business Card
Terms & Conditions apply
- The CIBC Aeroplan® Visa* Business Card is a mid-tier Aeroplan® Visa* for small business owners who bank with CIBC and want broader acceptance.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag and solid travel insurance.
Welcome Points: 100,000
Welcome Value: $2,660
Annual Fee: $180. 1st Year Rebate
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Best Premium Aeroplan® Business Card
American Express® Aeroplan® Business Reserve Card
Terms & Conditions apply
- The American Express® Aeroplan® Business Reserve Card is the best premium Aeroplan® card for small business owners who value top-tier earning, VIP Air Canada benefits, and Amex® perks.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag for you plus 8, and priority check-in, boarding, and baggage handling with Air Canada.
- You’ll also get unlimited Air Canada Lounge Access in North America for you plus guests, and excellent travel insurance.
Welcome Points: 90,000
Welcome Value: $3,380
Annual Fee: $599
New to Points? Start Here
From points newbie to booking your first trip.
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
New to Points? Start Here
From points newbie to booking your first trip.
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
The AWP Community
Get more tips & ideas for travelling with points.
Join the AWP community to get guidance, updates, and practical tips on using points for travel.
The AWP Community
Get more tips & ideas for travelling with points.
Join the AWP community to get guidance, updates, and practical tips on using points for travel.
