Annual fee
$0 first year
Then $149 annually
Best Credit Cards for Business Spending Categories in Canada
Business rewards work best when they match your real expenses
Higher earning on business categories can create real value if those categories match your operating costs. RateBuddy helps compare earn rates, caps, fees, employee cards, and business benefits clearly.
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Compare Business Category Cards
Use the filters to shape the card results below. Adjust your monthly spend, narrow by provider, or highlight no-fee and welcome-bonus options — RateBuddy will quietly refresh the list so the results stay connected to your choices.
Ready to refine
Annual fee
$149$0
First year waived
Purchase APR
14.99%
Cash advance
22.99%
TD Canada Trust
Best for
Travel Rewards
Business
Rewards
Best for
Travel Rewards
Business
Rewards
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 |
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.
Rewards program
Aeroplan
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
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.
Annual fee
$149$0
First year waived
Purchase APR
19.99%
Cash advance
22.99%
TD Canada Trust
Best for
Travel Rewards
Business
Rewards
Best for
Travel Rewards
Business
Rewards
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 |
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.
Rewards program
TD Rewards
First year free
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.
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
Best for
Travel Rewards
Business
Rewards
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 |
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.
Rewards program
More Rewards
First year free
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.
Annual fee
$0
Purchase APR
21.74%
Cash advance
22.99%
MBNA Canada
Best for
No Annual Fee
Newcomer
Best for
No Annual Fee
Newcomer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$150
Estimated rewards from spending
Based on $1,500 in monthly spending
$261
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$411
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2.5% | $135 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
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.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.74%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
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.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
MBNA Canada
Best for
Cash Back
No Annual Fee
Best for
Cash Back
No Annual Fee
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$150
Estimated rewards from spending
Based on $1,500 in monthly spending
$198
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$348
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 | 0.5% | $4.50 |
| Other purchases | $450 | 0.5% | $27 |
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.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
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.
Annual fee
$0
Purchase APR
19.99%
Cash advance
22.99%
ATB Financial
Best for
No Annual Fee
Newcomer
Rewards
Best for
No Annual Fee
Newcomer
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$195.75
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$245.75
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 0.75% | $27 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 0.75% | $6.75 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 0.75% | $40.50 |
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.
Rewards program
ATB My Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
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
2.90%
Foreign-currency purchases
Additional card fee
$0
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.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
MBNA Canada
Best for
No Annual Fee
Rewards
Best for
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$139.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$189.50
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 | 0.5% | $9 |
| Travel | $75 | 0.5% | $4.50 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
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.
Rewards program
MBNA Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
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.
Annual fee
$120
Purchase APR
19.90%
Cash advance
19.90%
ATB Financial
Best for
Travel Rewards
Business
Rewards
Best for
Travel Rewards
Business
Rewards
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$270
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$150
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 1.5% | $13.50 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 1.5% | $81 |
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.
Rewards program
ATB My Rewards
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
19.90%
Regular purchase rate
Cash advance APR
19.90%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
2.90%
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.
Annual fee
$0
Purchase APR
19.99%
Cash advance
22.99%
TD Canada Trust
Best for
Cash Back
No Annual Fee
Business
Best for
Cash Back
No Annual Fee
Business
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$144
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$144
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0.5% | $27 |
| Dining | $300 | 0.5% | $18 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 0.5% | $27 |
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.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
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
$0
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.
Premium Experience
Upgrade Your Lifestyle
Don't settle for standard. Unlock cards that offer travel luxury, concierge service, and elite status.
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We calculate the true value to save you every penny.
Data-Driven Logic
Rankings based on hard numbers (fees vs rewards), not advertising budgets.
100% Unbiased
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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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
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ISSUERS
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LOYALTY PROGRAMS
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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.
A hard inquiry (from a credit application) typically remains on your credit report for up to 36 months, though its impact on your credit score generally diminishes significantly after the first 12 months.
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.
Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).
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.
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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