Category-specific ranking · Updated Oct 4, 2026

Best Business Credit Cards in Canada

A business card earns its keep two ways: what it pays back on real operating spend, and what it saves you in bookkeeping time via free employee cards and expense tools. We score both, plus whether the welcome bonus is realistic for your business's actual spend volume, not just its advertised ceiling.

$3,402modelled value over 24 months

Top pick

Amex Aeroplan Business Reserve Card

The business-side twin of the Aeroplan Reserve: the same Maple Leaf Lounge access and status-credit engine, sized for a company that flies Air Canada often. The year-one bonus is smaller than the personal card's current elevated offer.

6.8/10See offer Read the full review

Independent.Methods and assumptions are published; compensation never sets the order.·Last reviewed Oct 4, 2026·Full disclosure

Card comparison table
#	Card	Ranking basis	Standard Score	Annual fee	Modelled first year	Currency	Current offer
1	Amex Aeroplan Business Reserve Card American Express	≈ $3,402/24 mo	6.8/10	$599	≈ $2,081	Aeroplan	See offer
2	TD Business Travel Visa Card TD	≈ $2,735/24 mo	6.2/10	$149	≈ $1,842	TD Rewards	See offer
3	Amex Business Gold Rewards Card American Express	≈ $2,734/24 mo	6.8/10	$199	≈ $2,032	Amex Membership Rewards	See offer
4	Amex Marriott Bonvoy Business Card American Express	≈ $2,418/24 mo	6.1/10	$150	≈ $1,479	Marriott Bonvoy	See offer
5	RBC Visa Business Platinum Avion RBC	≈ $1,956/24 mo	6.7/10	$120	≈ $1,318	RBC Avion	See offer
6	Amex Business Platinum Card American Express	≈ $1,414/24 mo	7.1/10	$799	≈ $327	Amex Membership Rewards	See offer

Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.

The ranking, explained

1.Amex Aeroplan Business Reserve CardTop pick

6.8/10

Ranking basis: $3,402 modelled value over 24 months

Best for: Incorporated Air Canada loyalists who run business travel and everyday spend through one card and will use the lounge, checked bags, and status credits.

Skip if: Your business doesn't fly Air Canada regularly; the personal Aeroplan Reserve carries the same perks without the supplementary-card premium.

$599 annual fee · Modelled first year ≈ $2,081 · Aeroplan · See offer

2.TD Business Travel Visa Card

6.2/10

A budget-friendly way to add travel insurance and expense controls to a small business, capped by the same low-value points ceiling as its personal counterpart.

Ranking basis: $2,735 modelled value over 24 months

Best for: Small businesses that book travel through TD's portal and want low-fee employee card management.

Skip if: Most of your business spend is general purchases at 2x (about 1% back); a business cash-back card can pay more there.

$149 annual fee · Modelled first year ≈ $1,842 · TD Rewards · See offer

3.Amex Business Gold Rewards Card

6.8/10

A Membership Rewards accumulation vehicle for businesses: the flat 1x base is unremarkable, but the quarterly bonus and full transfer suite make it a strong year-one earner for consistent high spenders.

Ranking basis: $2,734 modelled value over 24 months

Best for: Businesses with steady five-figure quarterly spend that want transferable Membership Rewards points without a travel-card fee.

Skip if: Your spend is uneven or below the $20,000 quarterly threshold; a flat business cash-back card returns more on 1x categories.

$199 annual fee · Modelled first year ≈ $2,032 · Amex Membership Rewards · See offer

4.Amex Marriott Bonvoy Business Card

6.1/10

The business version of the Marriott keeper card: better category earn than the personal Bonvoy, with the same anniversary free night carrying the case from year two onward.

Ranking basis: $2,418 modelled value over 24 months

Best for: Businesses that book Marriott stays for travel and want an anniversary free night plus elite nights on their operating spend.

Skip if: You rarely stay at Marriott; transferable points beat a hotel currency locked at ~0.9¢.

$150 annual fee · Modelled first year ≈ $1,479 · Marriott Bonvoy · See offer

5.RBC Visa Business Platinum Avion

6.7/10

A functional expense-management card first, a points earner second. The expense tools are the real selling point, not the earn rate.

Ranking basis: $1,956 modelled value over 24 months

Best for: Small businesses already using RBC banking who want simple expense tracking and Avion points on operating spend.

Skip if: You want stronger category earn rates; a business cash-back card usually returns more per dollar of general spend.

$120 annual fee · Modelled first year ≈ $1,318 · RBC Avion · See offer

6.Amex Business Platinum Card

7.1/10

The business-side twin of the personal Platinum: same exceptional lounge network and transfer flexibility, justified only by real travel volume. The welcome bonus is smaller than it looks: a third of it arrives in month 15 or later.

Ranking basis: $1,414 modelled value over 24 months

Best for: Business owners who travel frequently and want the same lounge network and MR flexibility as the personal Platinum, sized for a business.

Skip if: Your business doesn't generate meaningful travel; the personal Amex Platinum covers occasional trips for a lower combined cost.

$799 annual fee · Modelled first year ≈ $327 · Amex Membership Rewards · See offer

Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.

Benchmark monthly spend: $100 groceries, $300 dining, $800 travel, $250 gas/transit and $2,500 other. Values use expected informed point valuations, structured caps, modelled welcome conditions and two annual fees where applicable; unstructured perks and benefits are excluded. Use the Card Finder for your own spending.

Bottom line: Amex Aeroplan Business Reserve Card leads this category at $3,402 modelled value over 24 months. Read the full review or see how we score.

Frequently asked questions

What is the best business credit cards in canada?

Amex Aeroplan Business Reserve Card leads this ranking on its category-specific modelled value over 24 months of $3,402. TD Business Travel Visa Card is the closest runner-up. See the full comparison table above for how every card in this category scores.

How is this ranking put together?

24-month value on the small-business benchmark. The Standard Score remains visible as editorial context, but it does not override the category's decisive job.

Do I need an incorporated business to apply for a business credit card?

No. Most Canadian business cards are open to sole proprietors and self-employed individuals, not just incorporated companies. You'll typically need to provide your business name, industry, and revenue estimate, but formal incorporation usually isn't a requirement.

What's the biggest advantage of a business card over a personal one for expenses?

Free employee cards and cleaner expense separation are usually the real win. Most small-business owners won't hit outsized welcome bonuses on personal spend alone, so the ongoing bookkeeping and free-card value often matters more than the sign-up offer.