Ranked by value
Best Business Credit Cards in Canada (July 2026)
Small-business cards for expenses, rewards, and cash flow. 26 cards, ranked. Every figure cites the official issuer page. Updated 2026-07-29.
The best business credit cards in Canada right now is the American Express Aeroplan Business Reserve Card from American Express, which leads our value ranking of 26 cards with a $599 annual fee and 21.99% purchase APR. Small-business cards for expenses, rewards, and cash flow. We rank by the estimated real value a cardholder gets, with every figure sourced from the official issuer page and refreshed 2026-07-29. Nothing here is financial advice.
American Express Aeroplan Business Reserve Card
American Express
Welcome value
~$2520
Annual fee
$599
Purchase APR
21.99%
- Big welcome bonus worth ~$2520
- Bonus covers 4× the annual fee
- Earn 3x on air canada
American Express Aeroplan Business Reserve Card
AMERICAN EXPRESSWelcome value, at a glance
Estimated CADMid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.
The rest of the ranking
25 more cards- 2
CIBC
CIBC Aeroplan Visa Business Card
For business spending
Welcome value
~$1575
Apply and earn up to $2,500 in value, which includes up to 75,000 Aeroplan points
- Annual fee
- $180
- Purchase APR
- 12.99%
8.6Cited · verified 2026-06-13View → - 3
American Express
American Express Business Gold Rewards Card
For business spending
Welcome value
~$1400
Earn up to 70,000 Membership Rewards points
- Annual fee
- $199
- Purchase APR
- —
8.7Cited · verified 2026-06-13View → - 4
TD Canada Trust
TD Aeroplan Visa Business Card
For business spending
Welcome value
~$1260
Up to $1,900 in value including up to 60,000 Aeroplan points and first-year annual fee rebate
- Annual fee
- $149
- Purchase APR
- 14.99%
8.6Cited · verified 2026-06-13View → - 5
TD Canada Trust
TD Business Travel Visa Card
For business spending
Welcome value
~$1000
Up to $1,300 in value including up to 200,000 TD Rewards Points and first-year annual fee rebate
- Annual fee
- $149
- Purchase APR
- 19.99%
8.3Cited · verified 2026-06-13View → - 6
RBC Royal BankWorld Elite
WestJet RBC World Elite Mastercard for Business
For business spending
Welcome value
~$450
45,000 welcome WestJet points after your first purchase
- Annual fee
- $175
- Purchase APR
- 19.99%
7.4Cited · verified 2026-06-13View → - 7
American Express
Business Platinum Card from American Express
For business spending
Welcome value
~$1000
Earn up to 50,000 Membership Rewards points
- Annual fee
- $799
- Purchase APR
- —
7.4Cited · verified 2026-06-13View → - 8
American Express
American Express Business Edge Card
For business spending
Welcome value
~$200
Earn a Welcome Bonus of 10,000 Membership Rewards points
- Annual fee
- —
- Purchase APR
- —
6.6Cited · verified 2026-06-13View → - 9
BMO
BMO Ascend Business Mastercard
For business spending
Welcome value
25k pts
Earn 25,000 BMO Rewards points when you spend $3,000 in the first 110 days
- Annual fee
- No fee
- Purchase APR
- 18.99%
6.5Cited · verified 2026-06-13View → - 10
BMO
BMO Blue Rewards Business Mastercard
For business spending
Welcome value
30k pts
Earn 30,000 Blue Points when you spend $3,000 in the first 110 days
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.4Cited · verified 2026-06-13View → - 11
BMO
BMO CashBack Business Mastercard
For business spending
Welcome value
—
No current offer
Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.4Cited · verified 2026-06-13View → - 12
CIBC
CIBC bizline Visa Card for Business
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 13
CIBC
CIBC CashBack Visa Card for Business
For business spending
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 14
CIBC
CIBC Corporate Classic Plus Visa Card for Business
For business spending
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- 19.99%
6.4Cited · verified 2026-06-13View → - 15
RBC Royal Bank
RBC Business Cash Back Mastercard
For business spending
Welcome value
—
No current offer
2% cash back on purchases in the first three months
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 16
RBC Royal Bank
RBC Visa CreditLine for Small Business
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 17
TD Canada Trust
TD Business Cash Back Visa Card
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 18
TD Canada Trust
TD Business Select Rate Visa Card
For business spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 11.99%
6.7Cited · verified 2026-06-13View → - 19
RBC Royal Bank
RBC Visa Business
For business spending
Welcome value
—
No current offer
- Annual fee
- $12
- Purchase APR
- 19.99%
6.3Cited · verified 2026-06-13View → - 20
Scotiabank
Scotia Momentum for Business Visa Card
For business spending
Welcome value
—
No current offer
Get 5% cash back on up to $6,500 in purchases in the first three months
- Annual fee
- $79
- Purchase APR
- 20.99%
7.1Cited · verified 2026-06-13View → - 21
CIBC
CIBC Aventura Visa Card for Business
For business spending
Welcome value
70k pts
Join and earn up to $2,100 in value, including an annual fee rebate for the first 2 years
- Annual fee
- $120
- Purchase APR
- 19.99%
5.9Cited · verified 2026-06-13View → - 22
RBC Royal Bank
RBC Avion Visa Business
For business spending
Welcome value
35k pts
35,000 welcome Avion points plus first-year annual fee waiver
- Annual fee
- $120
- Purchase APR
- 19.99%
5.9Cited · verified 2026-06-13View → - 23
American Express
Marriott Bonvoy Business American Express Card
For business spending
Welcome value
80k pts
Earn up to 80,000 Marriott Bonvoy points
- Annual fee
- $150
- Purchase APR
- 21.99%
5.8Cited · verified 2026-06-13View → - 24
BMOWorld Elite
BMO Ascend World Elite Business Mastercard
For business spending
Welcome value
150k pts
Get more for your business with up to $2,175 in value
- Annual fee
- $175
- Purchase APR
- 18.99%
5.8Cited · verified 2026-06-13View → - 25
BMOWorld Elite
BMO Blue Rewards World Elite Business Mastercard
For business spending
Welcome value
—
No current offer
Get over $1,750 in value, including an annual-fee waiver, in your first year
- Annual fee
- $175
- Purchase APR
- 20.99%
5.8Cited · verified 2026-06-13View → - 26
ScotiabankInfinite
Scotiabank Passport Visa Infinite Business Card
For business spending
Welcome value
40k pts
Earn up to $2,600 in first year savings and reward value, including up to 40,000 bonus Scene+ points
- Annual fee
- $199
- Purchase APR
- 20.99%
6.0Cited · verified 2026-06-13View →
Frequently asked
- What is the best business credit cards in Canada?
- Based on our value ranking, the American Express Aeroplan Business Reserve Card from American Express currently leads this category, with a $599 annual fee and 21.99% purchase APR. Rankings update daily.
- How are these cards ranked?
- We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.
- How current is this information?
- Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-07-29. Always confirm details on the issuer's site before applying.
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