Standard Score ranking · Updated 2026-07-26

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.

Top pick

Amex Business Platinum Card

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.

StrongSee offer Read the full review

Independent.Ranked by the Standard Score, never by compensation.·Last reviewed 2026-07-26·Full disclosure

Card comparison table
#	Card	Standard Score	Annual fee	First-year net value	Currency	Current offer
1	Amex Business Platinum Card American Express	7.1/10	$799	≈ $1,077	Amex Membership Rewards	See offer
2	Amex Aeroplan Business Reserve Card American Express	6.8/10	$599	≈ $636	Aeroplan	See offer
2	Amex Business Gold Rewards Card American Express	6.8/10	$199	≈ $1,701	Amex Membership Rewards	See offer
4	RBC Visa Business Platinum Avion RBC	6.7/10	$120	≈ $660	RBC Avion	See offer
5	Amex Marriott Bonvoy Business Card American Express	6.1/10	$150	≈ $570	Marriott Bonvoy	See offer
5	TD Business Travel Visa Card TD	6.1/10	$149	≈ $1,039	TD 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 Business Platinum CardTop pick

7.1/10 · Strong

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 ≈ $1,077 · Amex Membership Rewards · See offer

2.Amex Aeroplan Business Reserve Card

6.8/10 · Strong

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.

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 · First-year net value ≈ $636 · Aeroplan · See offer

2.Amex Business Gold Rewards Card

6.8/10 · Strong

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.

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 · First-year net value ≈ $1,701 · Amex Membership Rewards · See offer

4.RBC Visa Business Platinum Avion

6.7/10 · Strong

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 ≈ $660 · RBC Avion · See offer

5.Amex Marriott Bonvoy Business Card

6.1/10 · Situational

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.

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 · First-year net value ≈ $570 · Marriott Bonvoy · See offer

5.TD Business Travel Visa Card

6.1/10 · Situational

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.

$149 annual fee · First-year net value ≈ $1,039 · TD Rewards · See offer

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

Bottom line: Amex Business Platinum Card leads this category at a Standard Score of 7.1/10. Read the full review or see how we score.

Frequently asked questions

What is the best business credit cards in canada?

Amex Business Platinum Card leads this ranking with a Standard Score of 7.1/10. Amex Aeroplan Business Reserve 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?

Cards are ranked by the Standard Score — six weighted components applied identically to every card in this category. Cards with the same published one-decimal score are co-ranked. The full weights, grading scale, and principles are published in our methodology.

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.