Best Business Credit Cards in Canada

Are you a business owner in need of a business credit card that can meet the specific needs of your company? We know not all credit cards work the same, which is why we’re here to help. Here’s a list of the best business credit cards available in Canada. Compare, find and apply for the right one for you.

Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks.
Monthly spending by category
Monthly spending by category

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Credit card Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.89% $0 $195 Get details
19.99% $0 $155 Get details
19.97% $0 $180 Get details
19.97% $0 $180 Get details
19.99% $39 $249 Get details
19.99% $0 $135 Get details
19.99% $99 $421 Get details
19.99% $0 $175 Get details
19.99% $39 $191 Get details
19.99% $120 $412 Get details
19.99% $19 $161 Get details
19.99% $0 $161 Get details
19.99% $120 $262 Get details
19.99% $120 $435 Get details
19.99% $89 $201 Get details
19.99% $19 $161 Get details
19.99% $99 $246 Get details
19.99% $0 $90 Get details
19.8% $65 $115 Get details
19.8% $0 $ Get details
19.99% $0 $190 Get details
30% $399 $-174 Get details
19.99% $0 $127 Get details
30% $180 $-35 Get details
19.99% $0 $325 Get details
30% $120 $540 Get details
19.99% $0 $90 Get details
30% $699 $26 Get details
19.8% $0 $ Get details
19.99% $0 $180 Get details
19.99% $150 $474 Get details
30% $499 $351 Get details
19.99% $0 $169 Get details
30% $250 $180 Get details
19.99% $65 $ Get details
19.99% $110 $120 Get details
19.99% $0 $405 Get details
19.9% $110 $ Get details
19.97% $0 $ Get details
19.99% $0 $108 Get details
19.99% $29 $ Get details
19.99% $120 $ Get details
19.99% $79 $471 Get details
19.99% $89 $460 Get details
19.99% $0 $200 Get details
19.99% $0 $0 Get details
17% + prime $0 $ Get details
19.99% $120 $727 Get details
19.99% $0 $90 Get details
19.8% $150 $ Get details
19.99% $99 $101 Get details
19.9% $111 $ Get details
19.99% $99 $ Get details
19.99% $0 $ Get details
19.9% $42 $ Get details
19.99% $150 $370 Get details
19.99% $0 $231 Get details
19.9% $0 $ Get details
19.99% $125 $145 Get details
19.99% $0 $108 Get details
19.99% $125 $145 Get details
19.99% $65 $357 Get details
19.99% $120 $432 Get details
19.99% $0 $402 Get details
30% $150 $532 Get details
19.99% $120 $470 Get details
19.99% $39 $299 Get details
19.99% $0 $180 Get details
19.99% $99 $510 Get details
19.99% $0 $152 Get details
19.95% $0 $297 Get details
19.99% $0 $190 Get details
19.99% $99 $815 Get details
19.99% $39 $266 Get details
19.99% $35 $145 Get details
19.99% $399 $190 Get details
19.99% $120 $582 Get details
19.99% $150 $717 Get details
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If you need any help comparison shopping, read our frequently asked questions below:

What is a business credit card?

Business credit cards generally operate just like personal credit cards, but enable you to take your business to the next level, pay for business expenses with ease and manage your business expenditures with clarity. Business credit cards make it easy to pay for all of your business expenses with one card, making accounting and bookkeeping easier. By having the right business credit card for your needs, you can ensure that you will have the funds you need for everyday business expenses, new projects and unexpected costs that may arise. Bonus: Almost all of the terms and conditions that apply to a personal credit card also apply to a business credit card.


What are the advantages of using a business credit card?

Business credit cards offer business owners and operators the freedom to conduct business efficiently. Business credit cards typically have higher credit limits than personal credit cards, making it easier to manage your money flow, make major purchases and handle unexpected costs. Depending on the business credit card you choose, the potential rewards attached can also be tailored to your business. For example, if you travel a lot for work, you could choose a business credit card that allows you to earn travel rewards for particular hotel chains or airlines.


Who can qualify for a business credit card?

If you have a business or are a sole proprietor, you can apply for a business credit card. For many business credit cards, you will have to provide proof that your business exists, by providing supporting documents to your potential lender. Documents could include articles of incorporation, your business license, partnership agreement, tax assessments and/or financial statements. If you’re a sole proprietor who operates your business under your own name and are not incorporated, you can still qualify for certain business credit cards.


Other Types of Credit Cards