Top 10 Best Canadian Business Credit Cards in 2025: The Choices

Discover the best Canadian business credit cards for 2025. Compare perks, fees & rewards to find the perfect fit for your company.

When I first launched my little consulting firm a few years ago, one of the first and surprisingly the most stressful tasks was on my checklist in search of the right business credit card. I thought, “How hard can it be?” Just choose with one point or cashback and do it with it, right?

Error.

Within a week I had 15 tabs open, half a dozen pdf -were downloaded, and the way many bank representatives tried to sell me their “best suggestions”. It was like speed dating, but for corporate plastic.

So if you are a master of a small business, freelancer or founder of a start -up, try to find out which credit card to choose, welcome to the club and do not worry, I have done homework so you do not. From my experience, especially when helping newer ventures navigate the financial maze, I’ve found that  business credit cards for startups  offer unique advantages many overlook.

This guide is not just another dry list. It is a mixture of difficult facts, comparisons in real life and comparisons side by side, which is written for a goal: Canadian entrepreneurs help to make financial decisions. In fact I have personally tested or helped customers apply for almost all best Canadian business credit cards on this list. Whether you are looking for numbers, allowances or even offering a safe business credit card Canada, this guide will indicate you in the right direction.

Quick comparison: Best Canadian Business Credit Cards 2025

This curated list reflects a range of options, from premium travel cards to entry-level business credit cards Canada offers small business owners, freelancers, and corporations alike.

Why choose the right cards (a personal wake -up call)

When I started, I used my personal credit card for everything related to business. I thought, “It’s the same, right?”

Well really not.

Not only did I remember hundreds of cashbacks and remuneration, but came in the tax season, I combed through Excel sheets as a spaggy, and tried to separate client lunch from the grocery driving.

When I realized: Having a dedicated Canadian business credit card is not just about prices – it’s about efficiency, reliability and safety. And to help you leave spreadsheet -inspired migraine, I have compiled a hand picking list over best Canadian business credit cards for all types of entrepreneur. Whatever your goals are, Canada Business Credit Cards is ready to help you manage expenses and increase operations.

1. American Express Business Edge Card

Best for : Everyday Business expenses

Annual Fee: $99
Welcome Bonus: 45,000 Membership Rewards points
Rewards: 3x points on gas, office supplies, transit, and restaurants

If your business spends a lot on the basic fuel, software, client dinner- this card is a gem. I used it during my first whole year in business and scored enough points to cover the weekend trip to Vancouver.

The 3x multiplier makes super easier to collect faster points. In addition, the AMEX platform allows you to integrate the receipts directly into quickbooks.

Professionals:

• Liberal Price of Required

• Solid reception bonus

• Avenue Access to Amex AV and Insurance

Lack:

• Amex is not accepted everywhere

• Any salon access or travel bags

2. RBC Avian Visa Infinite Trade

Best for : Frequent domestic and international journeys

Annual Fee: $175
Welcome Bonus: 25,000 Avion points
Rewards: 1.25x Avion points on all purchases

This road is for warriors. I personally used this card in a year as I fly back and forth between Toronto and Calgary for client meetings. The Avian points are super flexible – you can transfer them to British Airways, Cathe Pacific and Westjet.

Professionals:

• Strong travel insurance

• Access to Aviær Air Travel Redemption Plan

• Premium Kansia Services

Lack:

• Annual fee on high side

• Redemption can be difficult for beginners

3. BMO Cashback Business MasterCard

Best for : no annual fee + simplicity

Annual Fee: $0
Welcome Bonus: None
Rewards: Up to 1.75% cashback

When you just start and want something simple, free and efficient, it is difficult to defeat BMOS no-fi-card.

I recommended this to my cousin when he opened the house bakery – and he saved enough cashback to cover a new mixer.

Professionals:

• No annual fee

• Office supply and decent cashback on gasoline

• Purchasing security involves

Lack:

• Less premium roof compared to other cards
• Lack of travel allowances

4. CIBC Aroplan Visa business card

Best for : Air Canada Loyalist

Annual Fee: $180
Welcome Bonus: Up to 60,000 Aeroplan points
Rewards: 1.5x points on travel, shipping, dining

If you blow Air Canada twice a year for the business, this card basically pays for itself. In recent years, Aroplan has come a long way – now there is more flexible and less disappointment.

For viewers especially for CIBC Business Credit Card, it provides a very good price for a travel-heavy company and provides great benefits such as free check bags, extensive insurance and Air Canada quotas.

Professionals:

• Free check bags on Air Canada

• Favorite prices on flights

• Great insurance coverage

Lack:

• Air Canada is most suitable for Canadian loyal

• The annual fee is combined over time

5. TD Business Travel Visa Card

Best for: Big travel points & perks

Annual Fee: $149
Welcome Bonus: Up to 50,000 TD Points
Rewards: 3x on travel, 2x on dining

One of my clients in the event planning biz swears by this card. She books travel constantly, for herself and employees, and has used points for everything from hotels in Banff to flights to L.A.

Pros:

• Huge welcome bonus
  
• Flexible redemption through Expedia for TD
  
• Travel insurance bundle included
  

Cons:

• Less useful if you don’t travel often
  
• Points tied to TD’s travel program
  

6. Scotiabank Passport Visa Infinite Business

Best for: Spending money abroad

Fee for the year: $199

30,000 Scene+ points as a welcome bonus

Rewards: 2x on travel, dining, gas

Zero foreign transaction fees. That’s the magic phrase here.

If you’re working with clients or vendors abroad, or even ordering a lot from U.S. sites, you’ll save 2.5% every single time. I used this card on a 10-day Europe work trip and avoided over $100 in FX fees.

Pros:

• No FX fees
  
• Airport lounge access
  
• Strong rewards
  

Cons:

• Higher annual fee
• Scene+ rewards aren’t as flexible as others
  

7. The American Express Business Platinum Card

Best for: businesses who spend a lot of money and want VIP benefits

Fee each year: $499

Welcome Bonus: As many as 80,000 points

Rewards: 1.25 times the points on everything

This one is a beast, but if you pay a lot, it’s worth it. I utilized this card after getting a six-figure contract and scaling up. The good things? Not real.

Access to Centurion Lounges, a personal concierge, and hotel enhancements make it feel like a red carpet for business owners.

Pros:

• The best travel benefits

• Big welcome bonus

• High-quality insurance and help

Cons:

• The yearly cost is high.

• Every month, you have to pay the complete balance.

8. National Bank Platinum Mastercard

Best for: incentives that are fair and fees that are low

Fee for the year: $125

Bonus for signing up: 35,000 points

Rewards: 1.5 times for gas, restaurants, and office supplies

People don’t give this card enough credit. Good rewards, good support, and it doesn’t cost a lot. A nice midway ground for firms that want to grow.

Pros:

• Simple rewards

• A lot of coverage for insurance

• Low cost

Cons:

• Fewer extra benefits

• Not as well-known as Amex or RBC

9. Capital One Aspire Travel Business

Best for: Easy to use and flat cashback

Cost per year: $150

There is no welcome bonus.

Rewards: 1.5% back on everything you buy

This is the card for you if you don’t want any games and only want cash back. Simple to control. Simple to understand. I suggest it to everyone who doesn’t want to deal with multiple categories.

Pros:

• Rewards that are the same for everyone

• Easy to take care of

• No point systems to keep track of

Cons:

• No welcome bonus

• Limited travel options

10. Desjardins Business Visa

Best for: French-speaking business owners and community assistance

Cost per year: $100

10,000 points for signing up

Rewards: Average points for everyday purchases

A lot of people in Quebec and multilingual businesses like this one. You get good customer service and benefits for being a member of the Desjardins community.

If you don’t have a lot of credit history, Desjardins may be one of the only companies that provide a secured company credit card that Canadian entrepreneurs can utilize to slowly develop their credit.

Pros:

• Help in two languages

• Health and life insurance

• Fee per year is lower

Cons: 

• Rewards that aren’t as good as others

• Not as common outside of Quebec

How to Choose the Right Card (Like a Boss)

The card I chose wasn’t the most flashy; it was the one that fit my spending habits and the stage of my business. This is how you can find out:

• Spending less? Go with no fees, like BMO CashBack.

• Do you travel a lot? Check out Amex Platinum or RBC Avion.

• Do you hate points? Get flat cashback from Capital One.

• Getting bigger? Get prizes that grow with you.

Also consider:

• Personal credit score requirements
  
• How you want to redeem rewards
  
• Integration with accounting tools (huge time-saver)
  

Remember that a lot of the finest Canadian business credit cards have tiered benefits, so it’s fine to outgrow one and switch later. As their businesses grow, Canadian entrepreneurs have a lot of options for business credit cards.

What Other Business Owners Ask

1. Can I get a credit card for my new business?

Yes, but if your business is new or doesn’t have a lot of credit history, you could have to give a personal guarantee.

2. Do business credit cards hurt my personal credit?

Some do, especially if you don’t pay or give a personal guarantee. Always read the small print.

3. Is it possible to apply without a business that is registered?

Many banks let sole entrepreneurs and freelancers apply using their own SIN and the name of their firm.

Key Takings: 

• If there’s one thing I’ve learned on this rollercoaster of entrepreneurship, it’s that small decisions can lead to big wins. Your business credit card might seem like a small piece, but trust me, it can become a serious asset when chosen wisely.
• So take your time. Think about how and where your business spends. Then match your card to your strategy. Because once you’re collecting rewards, stacking cashback, and skipping foreign transaction fees, you’ll know you picked one of the best Canadian business credit cards for your journey. And when people ask you for recommendations, you can proudly say you’ve done the research on the best business credit cards in Canada.

Additional Resources: 

1. Best Business Credit Cards in Canada (2025): A Canada-focused guide that lets you compare business cards by category, like cash back, low interest, or travel, with updated rates and perks for 2025.