The American Express Business Edge Card should be any business owners go to credit card to earn great rewards on monthly office expenses. Cardholders can earn 3 points per dollar on restaurants, gas, transit, office supplies, and electronics and 1 point per dollar on all other purchases. 

Pros

• Generous welcome offer: earn up to 67,000 welcome bonus Membership Rewards points.
• Healthy earn rate on everyday business spending
• Includes insurance from travel insurance to purchase protection
• A maximum of 99 additional employee cards can be added to the primary cardholder account, which is considerably higher than other business credit cards

The BMO CashBack Business Mastercard is our top no fee business credit card in Canada as it provides high cash back earn rates on business essentials. Earn rates include 1.75% on Shell gas stations and 1.5% on office supply purchases as well as cell phone and internet bills.

Pros:

• No annual fee or income requirement 
• Welcome offer: earn 10% cash back on gas, office supplies and cell phone/internet bills for 3 months*. Must apply by December 31st, 2023.
• A maximum of 22 additional employee cards can be added to the primary cardholder account (annual fee of $40 for every additional cardholder) 
• Automatic rebates of 1-25% when you shop at qualifying merchants with Mastercard Easy Savings
• 90 day purchase protection and extended warranty coverage for up to one additional year on any purchases made with the card
• BMO’s Liability Waiver program can safeguard against any employee card abuse

The BMO World Elite Business Mastercard is our top business credit card for rewards and insurance in Canada. Should your business include significant travel, this card might just be the one for you. It includes a host of insurance benefits including baggage delay, trip cancellation, trip interruption / trip delay, and flight delay. On top of this it offers 4 BMO rewards points for every dollar spent on gas, office supplies and cell phone / internet bill payments, and 1.5 BMO rewards points for all other purchases.

Pros: 

• Welcome offer: earn up to 70,000 BMO reward points plus, we’ll waive the $149 annual fee for the first year. 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee. Must apply by December 31st, 2023.
• Free membership in Mastercard Travel Pass and two annual free passes
• Extensive travel insurance including rental car theft or damage, baggage delay, trip cancellation, trip interruption / trip delay, and flight delay
• 90 day purchase protection and extended warranty coverage for up to one additional year on any purchases made with the card
• Automatic rebates of 1-25% when you shop at qualifying merchants with Mastercard Easy Savings

The American Express® Business Gold Rewards Card card is our top business credit card for frequent business travellers. This card features extensive travel insurance including car rental theft/damage, lost/stolen baggage, hotel burglary, flight and baggage delay, travel emergency, and $100,000 travel accident coverage. Cardholders on the road will also receive access to up to $100 USD in hotel credits, plus discounts and upgrades with participating Hertz car rental locations. 

Pros:

• Welcome offer: earn up to 110,000 bonus Membership Rewards points.
• Earn 1x the points for every dollar you spend
• Up to 55 interest-free days and access to paperless expense reports both quarterly and annually
• Flexible redemption, giving you the option to use your points for travel expenses, statement credits, Amazon.ca purchases, and more, plus the ability to transfer them 1:1 to frequent flyer programs such as Avion and Aeroplan
• 90 day purchase protection against accidental physical damage and theft with AMEX's Purchase Protection Plan
• Extended warranty coverage for up to one additional year on any purchases made with the card