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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.

0Cards ranked
0%Sourced figures
07-29Last updated
$0Affiliate bias
1Top pick · Business Credit Cards

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
••••••••••••8700

American Express Aeroplan Business Reserve Card

AMERICAN EXPRESS

Welcome value, at a glance

Estimated CAD
1. American Express Aeroplan Business Reserve Card~$2520
2. CIBC Aeroplan Visa Business Card~$1575
3. American Express Business Gold Rewards Card~$1400
4. TD Aeroplan Visa Business Card~$1260
5. TD Business Travel Visa Card~$1000
6. WestJet RBC World Elite Mastercard for Business~$450

Mid-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
  1. 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 →
  2. 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 →
  3. 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 →
  4. 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 →
  5. 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 →
  6. 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 →
  7. 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 →
  8. 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 →
  9. 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 →
  10. 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 →
  11. 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 →
  12. 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 →
  13. 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 →
  14. 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 →
  15. 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 →
  16. 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 →
  17. 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 →
  18. 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 →
  19. 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 →
  20. 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 →
  21. 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 →
  22. 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 →
  23. 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 →
  24. 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 →
  25. 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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