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: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months*
• 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: Get up to 70,000 BMO reward points – 50,000 points when you spend $5,000 in the first three months and an additional 20,000 points when you spend $35,000 in the first twelve months. Plus, the $149 annual fee is waived for the first year.
• 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