The best business credit cards in Canada help you earn plenty of valuable points on the money your business is already spending.
These cards offer large welcome bonuses and high earn rates on categories like office supplies, travel, and recurring bills.
You’ll earn rewards on the purchases you already make, with the flexibility to redeem them how you want.
You can also earn plenty of Membership Reward points and can transfer them to many travel partners. This includes Aeroplan, Flying Blue, and British Airways for free flights. Plus, Marriott Bonvoy and Hilton Honors for free hotel stays.
These cards work well for business owners who want travel perks and rewards that save you money. Plus, the annual fee may be tax-deductible when used for business purposes.
The American Express Business Gold Rewards Card stands out right now with a limited-time, all-time high welcome offer of up to 70,000 welcome Membership Rewards points.
Here’re our hand-picked best business credit cards in Canada for September 2026.
Best reward cards
Qualifying for Business Credit Cards
You don’t need an LLC or a registered business to qualify for the best business credit cards in Canada.
Having a side hustle or selling items on an online marketplace can qualify you as a sole proprietor for cards like Amex.
When applying, you can use your own name as the business name and your Social Insurance Number (SIN) for identification.
This allows you to earn valuable points on your business expenses while keeping your personal and professional spending separate.
AWP TIP
You can easily qualify for Amex business cards as a sole proprietor using your own name.
You don’t need a registered or incorporated business to apply.
If you have a side hustle like selling on Facebook Marketplace, running an Etsy shop, or doing any freelance work, you’re likely eligible.
Our Best Business Credit Cards
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
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
Best Avion Business Card
RBC Avion Visa Infinite Business
Terms & Conditions apply
The RBC Avion Visa Infinite Business is the best card for business owners who want a card with wider acceptance and good value for flights.
You’ll get a strong welcome bonus. You’ll also earn 1 Avion point for every $1 spent on your business. Plus, 1.25 points per $1 on travel on all purchases up to $75,000 annually.
The real value is the Air Travel Redemption Schedule for short-haul domestic flights at a fixed price. You’ll also get to take advantage of transfer travel partners. Avion points transfer 1:1 to British Airways and Cathay Pacific Asia Miles.
One significant benefit of the Avion Visa Infinite Business card is that you can redeem Avion points with any airline at a flat 2 cents per point for business or first class flights with Flexible Pricing. This option covers the full fare plus taxes and fees.
Welcome Points: 35,000
Welcome Value: $700
Annual Fee: $175
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
Best Primeum 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 flights.
You’ll enjoy a free first checked bag for you and up to eight people travelling with you, priority check-in and baggage handling and Zone 2 boarding on Air Canada.
You’ll also get unlimited Air Canada and Air Canada Café Lounge Access in North America for you, plus a guest.
You’ll also get exclusive Toronto Pearson VIP perks like the Priority Security Lane.
You’ll also get Hyatt Status Benefits at World of Hyatt worldwide.
Welcome Points: 85,000
Welcome Value: $3,280
Annual Fee: $599
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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 airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
You earn 1.25 Membership Rewards points per $1 on everything.
Points transfer to Aeroplan, Flying Blue, British Airways Avios, and Cathay Pacific. Plus, Marriott Bonvoy, Hilton Honors, and all-new ALL Accor Hotels. Sometimes there’s even a transfer bonus.
Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
Best mid-range 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.
As a business charge card, there’s no preset spending limit, giving your business dynamic purchasing power and extra flexibility.
For a limited time, you’ll get an all-time high up to 70,000 welcome Membership Rewards points with the American Express Business Gold Rewards Card.
Welcome Points: Elevated 70,000
Welcome Value: Elevated $1,960
Annual Fee: $199
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
Best Business Hotel Card
Marriott Bonvoy Business American Express
Terms & Conditions apply
The Marriott Bonvoy Business American Express 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.
For a limited time, you’ll get an all-time high 110,000 welcome bonus Bonvoy points versus the standard 55,000!
You’ll also get great benefits like nights toward elite status and an annual Free Night Certificate.
Welcome Points: Elevated 110,000
Welcome Value: $1,100
Annual Fee: $150
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
Best cards by program
What to Look for in the Best Business Credit Cards
The best business credit cards in Canada will get you closer to nearly free travel the fastest and give you plenty of value.
When choosing from the best business credit cards in Canada, focus on the welcome bonus, the earn rates, and the business benefits that matter to you.
Welcome Bonus
The welcome bonus is the fastest way for you to earn plenty of points.
Look for offers that give you enough value for free flights and hotels right away.
Opening a card is typically the cheapest way to earn points, especially when you have a large upcoming business expense
Earn Rates
You’ll earn more points on the money your business is already spending by picking a card that fits your habits.
The best business credit cards in Canada offer high earn rates on office supplies, travel, and recurring bills.
Travel Benefits
Business benefits are a major reason to choose these cards. These perks can save you hundreds in fees and elevate your travel experience.
Many business cards offer travel insurance and airport lounge access that save you money on trips. Premium cards also provide tools to track employee spending and manage your cash flow more effectively.
The value of the hotel benefits of these cards easily outweighs the annual fee. Plus, the annual fee may be tax-deductible when used for business purposes.
Summary of the Best Business Credit Cards
The best business credit cards help you earn plenty of points from your business expenses for nearly free flights and stays. You'll earn valuable points from welcome bonuses and by maximizing your business spending.
These cards fit different business needs and make it simple to earn plenty of travel points.
The value of the benefits of these cards easily outweighs the annual fee. Plus, you may be able to claim it as an expense.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
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The AWP Newsletter
Travel more using points
Get my free beginner guide and weekly tips on credit cards, points, and travel loyalty programs.
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.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
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.
