RateBuddyCredit card guide FOR BUSINESS

Best Small Business Credit Cards in Canada

Fact checked
Business spending
Rewards & expense tools

RateBuddy Card InsightEditorial reviewed Sep 12, 2026

Business cards should make spending easier to manage

The right business credit card can help separate personal and business expenses, earn rewards on operating costs, and simplify records. RateBuddy helps compare rewards, fees, employee card options, expense tools, insurance, and welcome offers in one friendly place.

Useful details for owners

Business reward categories
Employee cards and controls
Expense management features
Fees, rates and welcome offers

RateBuddyOFFERS AT A GLANCE

Best Credit Card Offers — October 2026

Get Ratebuddy Cash Rebate $200 RateBuddy rebate

Scotiabank®

Scotiabank® Gold American Express® Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $950

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $120

Estimated first-year card value Welcome value + spending rewards − first-year fee $830

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $1,030

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.

Earn up to $950 in welcome offers, first-year rewards and savings value, including up to 50,000 bonus Scene+ points.

Welcome bonus (up to): $950

RateBuddy rebate: $200

Get from RateBuddy$200

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Get Ratebuddy Cash Rebate $200 RateBuddy rebate

Scotiabank®

Scotiabank® Platinum American Express® Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $399

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,601

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $2,801

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.*

Welcome bonus (up to): $3,000

RateBuddy rebate: $200

Get from RateBuddy$200

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Get Ratebuddy Cash Rebate $75 RateBuddy rebate

Neo Financial

United® MileagePlus® Neo World Elite® Mastercard®

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $375

Estimated rewards from spending Based on $1,500 in monthly spending $162

First-year annual fee Fee charged during the first year $89

Estimated first-year card value Welcome value + spending rewards − first-year fee $448

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1%	$36
Gas and transit	$150	0.75%	$13.50
Travel	$75	1.25%	$11.25
Recurring bills	$75	0.75%	$6.75
Other purchases	$450	0.75%	$40.50

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$75

Potential first-year value with RateBuddy rebate $523

Earn up to 25,000 MileagePlus miles (5,000 miles on card activation and first transaction and 15,000 miles when you spend $3,000 net of refunds within 3 months of application)

Welcome bonus (up to): $375

RateBuddy rebate: $75

Get from RateBuddy$75

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Get Ratebuddy Cash Rebate $100 RateBuddy rebate

Neo Financial

Neo World Elite Mastercard

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $100

Estimated rewards from spending Based on $1,500 in monthly spending $459

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $559

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	1%	$36
Gas and transit	$150	3%	$54
Travel	$75	1%	$9
Recurring bills	$75	4%	$36
Other purchases	$450	1%	$54

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$100

Potential first-year value with RateBuddy rebate $659

Get Neo’s $100 welcome bonus + your first year’s annual fee waived ($149 value), plus an exclusive $75 RateBuddy cash rebate! Conditions apply. Welcome offer ends Oct 12, 2026

Welcome bonus (up to): $100

RateBuddy rebate: $100

Get from RateBuddy$100

Get this offer View Offer Learn more

Ratebuddy Cash Rebate $75 RateBuddy rebate

Neo Financial

Neo World Mastercard

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value No current monetary welcome-offer estimate was included $0

Estimated rewards from spending Based on $1,500 in monthly spending $211.50

First-year annual fee No annual fee $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $211.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	2%	$108
Dining	$300	0.5%	$18
Gas and transit	$150	2%	$36
Travel	$75	0.5%	$4.50
Recurring bills	$75	2%	$18
Other purchases	$450	0.5%	$27

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$75

Potential first-year value with RateBuddy rebate $286.50

Get from RateBuddy$75

Get this offer View Offer Learn more

Get up to $2,600 in first-year value, including up to 40,000 bonus Scene+ points. Conditions apply.

Scotiabank®

Scotiabank Passport® Visa Infinite Business* Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $2,600

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $199

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,401

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Earn up to 40,000 bonus Scene+ points with qualifying spending, included in up to $2,600 in advertised first-year savings and reward value. Conditions apply. Welcome offer ends Oct 31, 2026

View Offer Learn more

Scotiabank Passport® Visa Infinite Business* Card

Annual fee $199

Purchase APR 20.99%

Cash advance 22.99%

Scotiabank®

Best for Travel Rewards Business Premium

Scotiabank Passport® Visa Infinite Business* Card

Best for Travel Rewards Business Premium

RateBuddy 4.50

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $2,600

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $199

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,401

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Rewards program Scene+

Earn up to 40,000 bonus Scene+ points with qualifying spending, included in up to $2,600 in advertised first-year savings and reward value. Conditions apply. Open an eligible new account from May 1 to October 31, 2026. Earn 30,000 bonus Scene+ points after $5,000 in eligible purchases posts within three months, plus 10,000 after $60,000 posts within 12 months. Bonuses generally arrive within approximately eight weeks after qualification; the account must remain open and in good standing. Current Scotiabank business cardholders and those who held a primary or secondary business card within the previous two years are excluded. Terms and conditions apply. Expires Oct 31, 2026

Card highlights

No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $199 Primary cardholder

Purchase APR 20.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR 22.99% When available

Foreign transaction fee 0% Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $149$0 First year waived

Purchase APR 14.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Business Rewards

TD Aeroplan Visa Business Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,900

Estimated rewards from spending Based on $1,500 in monthly spending $211.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,111.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1.5%	$54
Gas and transit	$150	1%	$18
Travel	$75	2%	$18
Recurring bills	$75	1.5%	$13.50
Other purchases	$450	1%	$54

Rewards program Aeroplan

First year free

Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees. Earn up to $1,900 in value. 10,000 pts on first purchase; 30,000 pts after spending $15k in 180 days; 20,000 pts after spending $25k in 365 days. Plus, a first-year annual fee rebate for the Primary Business Cardholder and first two Additional Cardholders.

Card highlights

Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $149 annually

Purchase APR 14.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $49 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $149$0 First year waived

Purchase APR 19.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Business Rewards

TD Business Travel Visa Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,300

Estimated rewards from spending Based on $1,500 in monthly spending $337.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,637.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	3%	$108
Gas and transit	$150	3%	$54
Travel	$75	4.5%	$40.50
Recurring bills	$75	3%	$27
Other purchases	$450	1%	$54

Rewards program TD Rewards

First year free

Earn up to 200,000 TD Rewards Points + First-year fee waived for you and 4 employees. Earn up to $1,300 in value. 30,000 pts on first purchase; 120,000 pts after spending $15k in 180 days; 30,000 pts after spending $25k in 365 days; 20,000 pts on your 15-month anniversary. Plus, a first-year annual fee rebate for the Primary Cardholder and first four Additional Cardholders.

Card highlights

Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $149 annually

Purchase APR 19.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $49 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

American Express Aeroplan Business Reserve Card

Annual fee $599

Purchase APR 21.99%

Cash advance 21.99%

American Express(Canada)

Best for Travel Rewards Business Premium

American Express Aeroplan Business Reserve Card

Best for Travel Rewards Business Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,800

Estimated rewards from spending Based on $1,500 in monthly spending $240.75

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,441.75

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.25%	$67.50
Dining	$300	1.25%	$45
Gas and transit	$150	1.25%	$22.50
Travel	$75	3%	$27
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Rewards program Aeroplan

Up to 90,000 Welcome Bonus Aeroplan points Includes Annual Worldwide Companion Pass and 1,000 Status Qualifying Credits.

Card highlights

Airport Lounge Access Travel Medical Insurance Free Checked bag Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 21.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $199 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $120

Purchase APR 19.99%

Cash advance 22.99%

CIBC

Best for Travel Rewards Business Premium

CIBC Aeroplan Visa Business Plus Card

Best for Travel Rewards Business Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,200

Estimated rewards from spending Based on $1,500 in monthly spending $220.50

First-year annual fee Fee charged during the first year $120

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,300.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1.5%	$54
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1.5%	$13.50
Other purchases	$450	1%	$54

Rewards program Aeroplan

Up to 75,000 Aeroplan points + Annual Fee Rebate for the first 2 years. 10,000 pts on first purchase; 25,000 pts after $7,500 spend in 3 months; 40,000 pts after $40,000 spend in 12 months. Fee rebate for primary and 3 authorized users.

Card highlights

Airport Lounge Access First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $120 Primary cardholder

Purchase APR 19.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $180

Purchase APR 12.99%

Cash advance 14.50%

CIBC

Best for Travel Rewards Business

CIBC Aeroplan Visa Business Card

Best for Travel Rewards Business

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,200

Estimated rewards from spending Based on $1,500 in monthly spending $220.50

First-year annual fee Fee charged during the first year $180

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,240.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1.5%	$54
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1.5%	$13.50
Other purchases	$450	1%	$54

Rewards program Aeroplan

Card highlights

Airport Lounge Access First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $180 Primary cardholder

Purchase APR 12.99% Regular purchase rate

Cash advance APR 14.50% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $35,000

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $120$0 First year waived

Purchase APR 19.99%

Cash advance 21.99%

CIBC

Best for Travel Rewards Business

CIBC Aventura Visa Card for Business

Best for Travel Rewards Business

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $900

Estimated rewards from spending Based on $1,500 in monthly spending $198

First-year annual fee $120 first-year fee waiver applied ~~$120~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,098

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1%	$36
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Rewards program Aventura

First year free

Up to 70,000 Aventura Points + Annual Fee Rebate for the first 2 years. 20,000 points on first purchase; 50,000 points after spending $40,000 in first 12 months. Fee rebate covers Primary and 3 Authorized users for 2 years.

Card highlights

First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance Flight Delay Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $120 annually

Purchase APR 19.99% Regular purchase rate

Cash advance APR 21.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $35,000

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

CIBC Aventura Visa Card for Business Plus

Annual fee $120$0 First year waived

Purchase APR 19.99%

Cash advance 22.99%

CIBC

Best for Travel Rewards Business Premium

CIBC Aventura Visa Card for Business Plus

Best for Travel Rewards Business Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $900

Estimated rewards from spending Based on $1,500 in monthly spending $198

First-year annual fee $120 first-year fee waiver applied ~~$120~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,098

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1%	$36
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Rewards program Aventura

First year free

Card highlights

First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance Flight Delay Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $120 annually

Purchase APR 19.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $35,000

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Marriott Bonvoy Business American Express Card

Annual fee $150

Purchase APR 21.99%

Cash advance 21.99%

American Express(Canada)

Best for Travel Rewards Business Rewards

Marriott Bonvoy Business American Express Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $550

Estimated rewards from spending Based on $1,500 in monthly spending $423

First-year annual fee Fee charged during the first year $150

Estimated first-year card value Welcome value + spending rewards − first-year fee $823

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	2%	$108
Dining	$300	3%	$108
Gas and transit	$150	3%	$54
Travel	$75	3%	$27
Recurring bills	$75	2%	$18
Other purchases	$450	2%	$108

Up to 80,000 Bonus Marriott Bonvoy points Earn 5X points on Marriott purchases. Includes an Annual Free Night Award and 15 Elite Night Credits.

Card highlights

Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance Purchase Security Insurance Flight Delay Insurance Baggage Delay/Loss Insurance Hotel Status Benefits

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $150 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 21.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

National Bank Platinum Business Mastercard

Annual fee $125$0 First year waived

Purchase APR 20.99%

Cash advance 22.99%

National Bank of Canada

Best for Travel Rewards Business Rewards

National Bank Platinum Business Mastercard

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $500

Estimated rewards from spending Based on $1,500 in monthly spending $225

First-year annual fee $125 first-year fee waiver applied ~~$125~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $725

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.25%	$67.50
Dining	$300	1.25%	$45
Gas and transit	$150	1.25%	$22.50
Travel	$75	1.25%	$11.25
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Rewards program More Rewards

First year free

Up to 60,000 points and first-year annual fee rebate. 30k points after $5k spend (3mo); 30k points after $20k monthly spend (12mo). First-year fee waived for primary and first authorized user.

Card highlights

First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance Purchase Security Insurance Flight Delay Insurance Baggage Delay/Loss Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $125 annually

Purchase APR 20.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Showing 10 of 26 cards

American Express(Canada)
American Express Business Gold Rewards Card
Credit card

Up to 70,000 Membership Rewards points

Offer details
Earn a Welcome Bonus of up to 70,000 points ($700 value). Get 10,000 bonus points each quarter you spend $20,000.

Apply now
Learn more about American Express Business Gold Rewards Card
American Express(Canada)
Business Platinum Card from American Express
Credit card

Up to 120,000 Welcome Bonus Membership Rewards points

Offer details
Reinvest up to $1,200 in statement credits back into your business. Maximize cash flow with up to 55 interest-free days.

Apply now
Learn more about Business Platinum Card from American Express
CIBC
CIBC Costco Business Mastercard
Credit card

$100 Statement Credit Welcome Bonus.

Offer details
Earn a $100 statement credit when you spend $3,000 or more within the first 120 days of account opening.

Apply now
Learn more about CIBC Costco Business Mastercard
Rogers Bank
Rogers Red World Elite® Business Mastercard
Credit card

Apply now
Learn more about Rogers Red World Elite® Business Mastercard
ATB Financial
ATB MyBusiness Rewards Mastercard
Credit card

Apply now
Learn more about ATB MyBusiness Rewards Mastercard
ATB Financial
Alberta Rewards Businesscard
Credit card

Apply now
Learn more about Alberta Rewards Businesscard
TD Canada Trust
TD Business Cash Back Visa Card
Credit card

Apply now
Learn more about TD Business Cash Back Visa Card
Up to 7,500 bonus Scene+ points ($75 value), $0 annual fee and free extra cards. Conditions apply.

Scotiabank®
Scotia® Home Hardware PRO Visa* Business Card
Credit card

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Learn more about Scotia® Home Hardware PRO Visa* Business Card
CIBC
CIBC bizline Visa Card
Credit card

Interest as low as CIBC Prime plus 1.5%.

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Learn more about CIBC bizline Visa Card
TD Canada Trust
TD Business Select Rate Visa Card
Credit card

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Learn more about TD Business Select Rate Visa Card

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Power Your Business

Separate your finances, manage cash flow, and earn valuable rewards on your company’s overhead expenses.

Tax Season Simplified

One of the biggest headaches for small business owners is separating personal and business expenses. Keeping business costs on a dedicated card makes year-end reporting and tax filing effortless. Many cards integrate directly with accounting software like QuickBooks or Xero, automatically syncing transactions. This saves you hours of bookkeeping time and keeps your accountant happy. It is an organizational tool as much as a financial one.

Expanded Purchasing Power

Business cards typically offer significantly higher credit limits than personal cards. This gives you the flexibility to manage inventory costs, pay for advertising campaigns, and bridge unexpected cash flow gaps without maxing out your personal credit. This liquidity is vital for growth, allowing you to invest in opportunities immediately while waiting for client invoices to be paid. It acts as a short-term float for your operations.

Employee Expense Management

As your business grows, you can issue additional cards to your employees. This allows you to consolidate spending into one account while setting individual limits for each staff member. You can track exactly who is spending what, while earning rewards on their purchases for the company account. It empowers your team to make necessary purchases without needing to use personal funds and wait for reimbursement.

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Frequently Asked Questions

Common questions about Compare The Best Small Business Cards Cards and financial strategy.

Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.

Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.

Major networks like Visa, Mastercard, and Amex have 'Zero Liability' policies. This generally means that cardholders are not held responsible for unauthorized transactions if they have taken reasonable care of their card and PIN, and report the loss or theft promptly to the issuer.

It can. Most small business credit cards in Canada require a personal guarantee, meaning the primary cardholder is personally responsible for the debt. As such, the application usually involves a hard inquiry on your personal credit, and payment history may be reported to your personal credit file.

An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.

While physically possible, it is generally advised against. Mixing personal and business expenses can complicate bookkeeping and tax reporting. Keeping finances separate helps maintain a clear 'corporate veil' (if incorporated) and simplifies expense tracking.

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