Canada's Best Business Credit Cards 2019

7 CARDS The total number of credit card results available for this search
Annual Fees The amount of money charged to you each year to use the card
Rewards Rate The rewards rate your credit card receive for purchases made with your card
Bonus Offer The bonus offer available when you apply for this card
YOUR ESTIMATED NET ANNUAL REWARDS
The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)

American Express® AIR MILES® Gold BusinessFeatured

$0
no fee  
mile per $1 
30,000 
Welcome bonus points 
Net Rewards
$105
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

  • You and any Supplementary Cardmembers added to your account pay no annual fee for the first year of Cardmembership.

  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit.

  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

American Express® AIR MILES® for BusinessFeatured

$180
per year  
mile per $1 
2,000 
on purchases 1st 3 months 
Net Rewards
$-59
Show Offer Details
Offer Summary

  • Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Charge Card within your first 3 months of Cardmembership.

  • You can maximize your cash flow with up to 55 interest-free days2 and enjoy purchasing power that adjusts dynamically with Card usage.

  • You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind.

  • Earn 1 AIR MILES Reward Mile for every $10 in Card...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $180
Annual Fee After First Year: $180

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

The Business Platinum from American Express

$499
per year  
1.25 
points per $1 
40,000 
points on $5K in 3 months 
Net Rewards
$-274
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 40,000 points when you charge $5,000 in purchases to your Charge Card in your first three months of Cardmembership.

  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses.

  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.

  • Take full advantage of access to over 850 airport lounges around the world and enjoy the extensive comfort, services and amenities available through premium hotel programs.

  • Enjoy...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $499
Annual Fee After First Year: $499

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank VISA Business

$75
per year  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$105
Show Offer Details
Offer Summary

  • The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs.

  • CAD Program Silver $75 CAD Gold $105 CAD

  • USD Program Silver $75 USD Gold $105 USD

  • With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you.

  • The Scotiabank VISA Business Card program helps...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.8%
Cash Advance Interest Rate: 19.80%%
Balance Transfer Interest Rate: 19.80%%
First Year Annual Fee: $75
Annual Fee After First Year: $75

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

American Express® Business Gold Rewards

$250
1st year free, $250 after  
point per $1 
30,000 
Welcome bonus points 
Net Rewards
$180
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit.

  • You can maximize your cash flow with up to 55 interest-free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.

  • Take advantage of purchasing...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: %
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $250

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

BMO CashBack® Business Mastercard

$0
no fee  
6% 
cash back on categories 
N/A 
 
Net Rewards
$301
Show Offer Details
Offer Summary

  • Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months

  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments

  • 1.75% cash back at Shell®

  • 0.75% cash back on all other card purchases

  • 25 payment grace days

  • Optional Employee Cards - empower employees with delegated purchasing authority

  • Use your card at Costco locations across Canada

  • Our Liability Waiver Program protects your business against employee card abuse
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

BMO World Elite MasterCard

$150
1st year free, $150 after  
point per $1 on categories 
35,000 
Welcome bonus points 
Net Rewards
$542 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 35,000 welcome points (after you spend $3,000 in the first 3 months)

  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases

  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes

  • Get 2 points for every $1 spent everywhere else* Points can be used to cover all flight charges & taxes Fly on any airline, with no blackout dates

  • Best in-class travel and medical insurance (unlimited trips per year)

  • BMO Concierge Service

  • BMO is not responsible for maintaining the content on this site. Please click on...
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $150

Eligibility

Personal Income: $80000
Household Income: $150000
Credit Needed: Excellent