MAX BIZ POINTS Updated May 2026

Business Multipliers

Earn more on office supplies, advertising, and other business costs.

BUSINESS
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Compare Business Category Cards

Comparing results based on your preferences.

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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
$125 $0
1st yr Fee Waived
Purchase 20.99%
Cash Adv. 22.99%
National Bank of Canada National Bank of Canada
Best For [ Travel Rewards ] [ Business ] [ Rewards ]
National Bank Platinum Business Mastercard
Est. 1st Yr Value: $600
1st Yr Free
More Rewards
Welcome Bonus: Up to 60,000 points and first-year annual fee rebate.
Highlights: First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance Purchase Security Insurance +4 more
Purchase APR 20.99%
Cash Advance APR 22.99%
Annual Fee $125
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee $0
Purchase 21.74%
Cash Adv. 22.99%
MBNA Canada MBNA Canada
Best For [ No Annual Fee ] [ Newcomer ]
Amazon.ca Rewards Mastercard
Est. 1st Yr Value: $411
Welcome Bonus: 5% back for 6 months (up to $3,000 spend)
Highlights: No Annual Fee Extended Warranty Insurance Purchase Security Insurance Higher Earning on Business Categories
Purchase APR 21.74%
Cash Advance APR 22.99%
Annual Fee $0
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Balance Transfer 22.99
Add. Card Fee $0.00
Annual Fee $0
Purchase 21.99%
Cash Adv. 22.99%
MBNA Canada MBNA Canada
Best For [ Cash Back ] [ No Annual Fee ]
MBNA Smart Cash Platinum Plus Mastercard
Est. 1st Yr Value: $348
Cash Back
Welcome Bonus: 5% Cash Back on gas and groceries for the first 6 months
Highlights: No Annual Fee Extended Warranty Insurance Purchase Security Insurance Higher Earning on Business Categories
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $0
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Balance Transfer 22.99
Add. Card Fee $0.00
Annual Fee $0
Purchase 19.99%
Cash Adv. 22.99%
ATB Financial ATB Financial
Best For [ No Annual Fee ] [ Newcomer ] [ Rewards ]
ATB Gold My Rewards Mastercard
Est. 1st Yr Value: $246
ATB My Rewards
Welcome Bonus: 10,000 points ($50 value)
Highlights: No Annual Fee Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance +2 more
Purchase APR 19.99%
Cash Advance APR 22.99%
Annual Fee $0
Foreign Tx Fee 2.90%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $0.00
Annual Fee $0
Purchase 21.99%
Cash Adv. 22.99%
MBNA Canada MBNA Canada
Best For [ No Annual Fee ] [ Rewards ]
MBNA Rewards Platinum Plus Mastercard
Est. 1st Yr Value: $190
MBNA Rewards
Welcome Bonus: Up to 10,000 Bonus Points ($50 cash value) + 4x earning rate for 90 days
Highlights: No Annual Fee Mobile Device Insurance Extended Warranty Insurance Purchase Security Insurance +1 more
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $0
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Balance Transfer 22.99
Add. Card Fee $0.00
Annual Fee $120
Purchase 19.90%
Cash Adv. 19.90%
ATB Financial ATB Financial
Best For [ Travel Rewards ] [ Business ] [ Rewards ]
Alberta Rewards Businesscard
Est. 1st Yr Value: $150
ATB My Rewards
Highlights: Travel Medical Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance +5 more
Purchase APR 19.90%
Cash Advance APR 19.90%
Annual Fee $120
Foreign Tx Fee 2.90%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $49.00
Annual Fee $0
Purchase 19.99%
Cash Adv. 22.99%
TD Canada Trust TD Canada Trust
Best For [ Cash Back ] [ No Annual Fee ] [ Business ]
TD Business Cash Back Visa Card
Est. 1st Yr Value: $144
Cash Back
Highlights: No Annual Fee Extended Warranty Insurance Purchase Security Insurance Expense Management Tools +2 more
Purchase APR 19.99%
Cash Advance APR 22.99%
Annual Fee $0
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $0.00
RateBuddy

Math. Not Marketing.

We calculate the true value to save you every penny.

Data-Driven Logic

Rankings based on hard numbers (fees vs rewards), not advertising budgets.

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We highlight the "gotchas" and fees just as clearly as the perks.

Direct & Secure

No data harvesting. We send you straight to the bank's secure official site.

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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Filter 120+ cards by bank, annual fee, rewards type, and more.

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The "Trifecta" Strategy

Don’t rely on one card. Pair a high-fee premium card (for travel perks) with a no-fee cash back card (for daily groceries). This ensures you never earn less than 2% on any purchase.

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Cash Back

Earn money on daily spend.

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LOYALTY PROGRAMS

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Already collect points? Find the card that accelerates your existing balance.

PAYMENT NETWORKS

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Filter by Visa, Mastercard, or Amex acceptance.

CARD LEVELS

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From entry-level options to exclusive black cards. Find the eligibility level that fits you.

KNOWLEDGE BASE

Frequently Asked Questions

Common questions about Compare Business Category 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.

You should contact your card issuer immediately to lock or cancel the card. Many issuers also offer a 'Lock Card' feature in their mobile app which can prevent new transactions instantly. Once reported, the issuer will typically send a replacement card with a new number.

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.

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.

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.

If a transaction pushes you over your limit, the issuer may decline the transaction or, in some cases, accept it and charge an 'Over-Limit Fee' (typically around $29). Exceeding your limit can also negatively impact your credit score. It is best to keep balances well below your limit.