The business-side twin of the personal Platinum: same exceptional lounge network and transfer flexibility, justified only by real travel volume.
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 · First-year net value ≈ $2,100 · Amex Membership Rewards
A functional expense-management card first, a points earner second. The expense tools are the real selling point, not the earn rate.
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 · First-year net value ≈ $460 · RBC Avion
A sensible zero-cost starting point for a business that wants transferable points. Upgrade once spend and Amex acceptance both justify a fee.
Best for: Small-business owners who want free entry into the MR ecosystem before committing to a paid business card.
Skip if: Your vendors and suppliers don't take Amex, or your spend justifies the Business Platinum's much larger earn and perks.
No annual fee · First-year net value ≈ $260 · Amex Membership Rewards
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.
Best for: Small businesses that book travel through TD's portal and want low-fee employee card management.
Skip if: Your business spend isn't travel-heavy — a business cash-back card converts general spend more efficiently.
$89 annual fee · First-year net value ≈ $300 · TD Rewards
Frequently asked questions
What is the best business credit cards in canada?
Amex Business Platinum Card leads this ranking with a Standard Score of 7.7/10. RBC Visa Business Platinum Avion 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?
Cards are ranked by the Standard Score — a weighted average of first-year value, ongoing value, redemption flexibility, perk usability, low friction, and strategic fit. The same fixed, published weights apply to every card on this site; see our methodology for the full breakdown.
Does compensation affect this order?
No. Scores are set before any monetization decision, and referral relationships (where they exist) are disclosed separately. A card that pays us nothing can outrank one that does.