FOR BUSINESS Updated May 2026

Best Business Cards

Separate personal and business expenses while earning rewards on overhead.

BUSINESS
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Compare The Best Small Business Cards

Comparing results based on your preferences.

Smart Filter
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$
Annual Fee
$149 $0
1st yr Fee Waived
Purchase 14.99%
Cash Adv. 22.99%
TD Canada Trust TD Canada Trust
Best For [ Travel Rewards ] [ Business ] [ Rewards ]
TD Aeroplan Visa Business Card
Est. 1st Yr Value: $1963
1st Yr Free
Aeroplan
Welcome Bonus: Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees.
Highlights: Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance +6 more
Purchase APR 14.99%
Cash Advance APR 22.99%
Annual Fee $149
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $49.00
Annual Fee
$149 $0
1st yr Fee Waived
Purchase 19.99%
Cash Adv. 22.99%
TD Canada Trust TD Canada Trust
Best For [ Travel Rewards ] [ Business ] [ Rewards ]
TD Business Travel Visa Card
Est. 1st Yr Value: $1489
1st Yr Free
TD Rewards
Welcome Bonus: Earn up to 200,000 TD Rewards Points + First-year fee waived for you and 4 employees.
Highlights: Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance +6 more
Purchase APR 19.99%
Cash Advance APR 22.99%
Annual Fee $149
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $49.00
Annual Fee $599
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Travel Rewards ] [ Business ] [ Premium ]
American Express Aeroplan Business Reserve Card
Est. 1st Yr Value: $1442
Aeroplan
Welcome Bonus: Up to 90,000 Welcome Bonus Aeroplan points
Highlights: Airport Lounge Access Travel Medical Insurance Free Checked bag Car Rental Collision/Loss Damage Waiver +6 more
Purchase APR 21.99%
Cash Advance APR 21.99%
Annual Fee $599
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $199.00
Annual Fee $120
Purchase 19.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Business ] [ Premium ]
CIBC Aeroplan Visa Business Plus Card
Est. 1st Yr Value: $1301
Aeroplan
Welcome Bonus: Up to 75,000 Aeroplan points + Annual Fee Rebate for the first 2 years.
Highlights: Airport Lounge Access First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance +6 more
Purchase APR 19.99%
Cash Advance APR 22.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Annual Fee $180
Purchase 12.99%
Cash Adv. 14.50%
CIBC CIBC
Best For [ Travel Rewards ] [ Business ]
CIBC Aeroplan Visa Business Card
Est. 1st Yr Value: $1241
Aeroplan
Welcome Bonus: Up to 75,000 Aeroplan points + Annual Fee Rebate for the first 2 years.
Highlights: Airport Lounge Access First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $35,000
Purchase APR 12.99%
Cash Advance APR 14.50%
Annual Fee $180
Foreign Tx Fee 2.5%
Personal Income $35,000
Household Income N/A
Credit Score Good/Excellent
Annual Fee
$120 $0
1st yr Fee Waived
Purchase 19.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Business ] [ Premium ]
CIBC Aventura Visa Card for Business Plus
Est. 1st Yr Value: $978
1st Yr Free
Aventura
Welcome Bonus: Up to 70,000 Aventura Points + Annual Fee Rebate for the first 2 years.
Highlights: First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance +4 more
View Offer
ELIGIBILITY
Personal Inc: $35,000
Purchase APR 19.99%
Cash Advance APR 22.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income $35,000
Household Income N/A
Credit Score Good/Excellent
Annual Fee
$120 $0
1st yr Fee Waived
Purchase 19.99%
Cash Adv. 21.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Business ]
CIBC Aventura Visa Card for Business
Est. 1st Yr Value: $978
1st Yr Free
Aventura
Welcome Bonus: Up to 70,000 Aventura Points + Annual Fee Rebate for the first 2 years.
Highlights: First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance +4 more
View Offer
ELIGIBILITY
Personal Inc: $35,000
Purchase APR 19.99%
Cash Advance APR 21.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income $35,000
Household Income N/A
Credit Score Good/Excellent
Annual Fee $150
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Travel Rewards ] [ Business ] [ Rewards ]
Marriott Bonvoy Business American Express Card
Est. 1st Yr Value: $823
Welcome Bonus: Up to 80,000 Bonus Marriott Bonvoy points
Highlights: Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance Purchase Security Insurance Flight Delay Insurance +6 more
Purchase APR 21.99%
Cash Advance APR 21.99%
Annual Fee $150
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee $199
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Business ] [ Rewards ]
American Express Business Gold Rewards Card
Est. 1st Yr Value: $681
Membership Rewards
Welcome Bonus: Up to 70,000 Membership Rewards points
Highlights: Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance Purchase Security Insurance +6 more
Purchase APR 21.99%
Cash Advance APR 21.99%
Annual Fee $199
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee $799
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Travel Rewards ] [ Business ] [ Premium ]
Business Platinum Card from American Express
Est. 1st Yr Value: $626
Membership Rewards
Welcome Bonus: Up to 120,000 Welcome Bonus Membership Rewards points
Highlights: Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Car Rental Collision/Loss Damage Waiver +6 more
Purchase APR 21.99%
Cash Advance APR 21.99%
Annual Fee $799
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Showing 10 of 24 cards

Top Business Card Alternatives

Explore other highly-rated options you might have missed.

CIBC bizline Visa Card
Welcome Bonus
Interest as low as CIBC Prime plus 1.5%.
Annual Fee: $0 Purchase Int: N/A
1st Yr Value $0
View Offer
Rogers Red World Elite® Business Mastercard
Annual Fee: $0 Purchase Int: 21.99%
1st Yr Value $0
View Offer
Alberta Businesscard
Annual Fee: $65 Purchase Int: N/A
1st Yr Value $115
View Offer
TD Business Select Rate Visa Card
Annual Fee: $0 Purchase Int: 11.99%
1st Yr Value $0
View Offer
Alberta Rewards Businesscard
Annual Fee: $120 Purchase Int: 19.90%
1st Yr Value $60
View Offer
CIBC Costco Business Mastercard
Welcome Bonus
$100 Statement Credit Welcome Bonus.
Annual Fee: $0 Purchase Int: 20.75%
1st Yr Value $280
View Offer
National Bank Corporate Mastercard
National Bank Corporate Mastercard
National Bank of Canada
Annual Fee: $35 Purchase Int: 19.15%
1st Yr Value $145
View Offer
ATB MyBusiness Rewards Mastercard
Annual Fee: $0 Purchase Int: 19.90%
1st Yr Value $0
View Offer
National Bank Platinum Business Mastercard
Welcome Bonus
Up to 60,000 points and first-year annual fee rebate.
Annual Fee: $0 $125 Purchase Int: 20.99%
1st Yr Value $555
View Offer
TD Business Cash Back Visa Card
Annual Fee: $0 Purchase Int: 19.99%
1st Yr Value $0
View Offer
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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.

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.

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.

It might. Cancelling an older card reduces your 'Average Age of Accounts,' which is a factor in your credit score. It also reduces your total available credit, which could increase your utilization ratio. If the card has no annual fee, it is often better to keep it open and use it occasionally to keep the history active.

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.