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Compare Business Credit Cards in Canada

Compare business credit cards in Canada to find the best option for your company’s spending. Whether you’re looking for cash back, travel rewards, or expense management tools, this comparison tool helps you quickly evaluate fees, benefits, and features.

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The RBC® Visa Business Platinum Avion®

RBC

$420 First Year Value
$420 Consecutive Years Value
Annual Fee $120
Purchase Interest Rate 19.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Reward
Card User Types Business
Rewards 1 Avion point for every $1 spent in net purchases
Insurances
  • 🦷 Travel accident
  • 🚗 Auto rental coverage
  • ❌ Trip cancellation
  • ⚡️ Trip interruption
  • 🧳 Lost or stolen baggage insurance
  • ⏱ Flight delay
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 💨 Hotel or motel burglary
  • 📆 Extended warranty
Learn more Apply Now

Get 20,000 bonus Avion Points

The RBC® Visa Business Platinum Avion® – RBC

Estimated rewards for the first year*

Total Reward: $540
Entertainment: $24
Gas: $120
Groceries: $144
Restaurants: $120
Other: $132
Annual Fee: $120
Total: $420
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
The RBC® Visa Business Platinum Avion® – RBC

Estimated rewards for subsequent years*

Total Reward: $540
Entertainment: $24
Gas: $120
Groceries: $144
Restaurants: $120
Other: $132
Annual Fee: $120
Total: $420
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
BMO CashBack® Business Mastercard®*

BMO

$405 First Year Value
$405 Consecutive Years Value
Annual Fee $0
Additional Card Up to 22 additional cards
Purchase Interest Rate 20.99%
Cash Advance 23.99%
Balance Transfer 23.99%
Card Categories Cashback
Card User Types Business
Rewards 1.75% : payment at the pump or shop in-store at Shell
1,5%: On gas, office supplies and cellphone and internet bill payments.
0.75%: other purchases.
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
Learn more Apply Now

Get 10% cash back on gas, office supplies and cellphone and internet bill payments for 3 months, up to a maximum of $150 cash back. Conditions apply.

BMO CashBack® Business Mastercard®* – BMO

Estimated rewards for the first year*

Total Reward: $405
Entertainment: $18
Gas: $90
Groceries: $108
Restaurants: $90
Other: $99
Annual Fee: $0
Total: $405
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
BMO CashBack® Business Mastercard®* – BMO

Estimated rewards for subsequent years*

Total Reward: $405
Entertainment: $18
Gas: $90
Groceries: $108
Restaurants: $90
Other: $99
Annual Fee: $0
Total: $405
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Vault Prepaid Mastercard

Vault

$270 First Year Value
$270 Consecutive Years Value
Annual Fee Free of charge with a Vault account
Purchase Interest Rate N/A
Cash Advance N/A
Balance Transfer N/A
Card Categories Prepaid, Cashback
Card User Types Business
Rewards 1% unlimited cashback on all your purchases
Learn more Apply Now
Vault Prepaid Mastercard – Vault

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Vault Prepaid Mastercard – Vault

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
RBC® Business Cash Back Mastercard‡

RBC

$270 First Year Value
$270 Consecutive Years Value
Annual Fee No fee
Purchase Interest Rate 19.99 %
Cash Advance 22.99 %
Balance Transfer 22.99 %
Card Categories Cashback
Card User Types Business
Rewards 1% cash back on all purchases made with your card after the three month promotion expires with a yearly cap of $650
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 📆 Extended warranty
Learn more Apply Now

2% cash on purchases for the first 3 months

RBC® Business Cash Back Mastercard‡ – RBC

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
RBC® Business Cash Back Mastercard‡ – RBC

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
RBC Visa CreditLine for Small Business

RBC

$270 First Year Value
$270 Consecutive Years Value
Annual Fee No fee
Purchase Interest Rate Prime + 2.9% to 11.9%
Cash Advance Prime + 2.9% to 11.9%
Balance Transfer Prime + 2.9% to 11.9%
Card Categories Credit line, Low interest, Reward
Card User Types Business
Rewards 1 RBC Rewards point for 2 $*
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 📆 Extended warranty
Learn more Apply Now
RBC Visa CreditLine for Small Business – RBC

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
RBC Visa CreditLine for Small Business – RBC

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Float Business Credit Card

Float

$270 First Year Value
$270 Consecutive Years Value
Annual Fee No fee
Purchase Interest Rate N/A
Cash Advance N/A
Balance Transfer N/A
Card Categories Cashback, Virtual
Card User Types Business
Rewards 1 % cash back on everything
Learn more Apply Now
Float Business Credit Card – Float

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Float Business Credit Card – Float

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Loop Corporate Card

Loop

$270 First Year Value
$270 Consecutive Years Value
Annual Fee No fee
Purchase Interest Rate 24.00 %
Cash Advance 24.00 %
Card Categories Reward
Card User Types Business
Rewards You’ll earn 1 point back for every 1 CAD, 1 USD, 1 GBP and 1 EUR spent.
Learn more Apply Now

Loop Corporate Card

Loop Corporate Card – Loop

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Loop Corporate Card – Loop

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Jeeves corporate card

Jeeves

$270 First Year Value
$270 Consecutive Years Value
Annual Fee No annual fees
Purchase Interest Rate N/A
Cash Advance N/A
Balance Transfer N/A
Card Categories Prepaid, Cashback, Virtual
Card User Types Business
Rewards 1% for all your expenses
Learn more Apply Now

1% on all expenses

Jeeves corporate card – Jeeves

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Jeeves corporate card – Jeeves

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $270
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Desjardins Visa Business Advantage card

Desjardins

$245 First Year Value
$245 Consecutive Years Value
Annual Fee $25+
Additional Card $25+
Purchase Interest Rate Prime + 3.5 à 8.5 %
Cash Advance Prime + 3.5 à 8.5 %
Balance Transfer Prime + 3.5 à 8.5 %
Card Categories Cashback
Card User Types Business
Required Income $200,000-$1,000,000
Rewards 1 % : On all purchases from $12,000/year of expenses, for a cashback cap of $7,380/year
Insurances
  • 🚗 Auto rental coverage
  • 🦷 Travel accident
  • ⏱ Flight delay
Learn more Apply Now
Desjardins Visa Business Advantage card – Desjardins

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $25
Total: $245
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Desjardins Visa Business Advantage card – Desjardins

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $25
Total: $245
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
TD Business Travel Visa* Card

TD

$241 First Year Value
$241 Consecutive Years Value
Annual Fee $149
Purchase Interest Rate 19.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Reward
Card User Types Business
Rewards Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD;
Earn 6 TD Rewards Points (“Foreign Currency Rebate”) for every $1 in Purchases in a Foreign Currency;
Earn 6 TD Rewards Points (“Restaurant Rebate”) on each $1 in Purchases at restaurants;
Earn 6 TD Rewards Points (“PAP Rebate”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills;
Earn 2 TD Rewards Points (“Standard Rebate”) on every $1 on all other Purchases
Insurances
  • 🛍 Purchase protection
  • 🏥 Medical emergency
  • ❌ Trip cancellation
  • ⚡️ Trip interruption
  • 🦷 Travel accident
  • 🧳 Lost or stolen baggage insurance
  • ⏱ Flight delay
  • 🚗 Auto rental coverage
  • 📆 Extended warranty
Legal Note †Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site.
For complete and current information on any TD product, please click the Apply now button..
Learn more Apply Now
TD Business Travel Visa* Card – TD

Estimated rewards for the first year*

Total Reward: $390
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $180
Other: $66
Annual Fee: $149
Total: $241
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
TD Business Travel Visa* Card – TD

Estimated rewards for subsequent years*

Total Reward: $390
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $180
Other: $66
Annual Fee: $149
Total: $241
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.

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Business Credit Card Comparison FAQs

  • What’s the difference between small business and corporate credit cards?

    Open expandable Close expandable

    Small business credit cards are designed for sole proprietors, freelancers, and small to mid-sized businesses, and are typically approved using the owner’s personal credit profile.
    Corporate cards are usually issued to larger companies, require higher revenues, and rely more on business financials than personal credit.

    Most cards shown in this comparison are small business credit cards.

  • Can I use these cards if I’m a sole proprietor or freelancer?

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    Yes. Many business credit cards in Canada are available to sole proprietors, freelancers, and self-employed individuals, even without incorporation.

    In most cases, you can apply using your personal name as the business name and your personal credit history.

  • Do business credit cards require a personal credit check?

    Open expandable Close expandable

    Most small business credit cards require a personal credit check on the business owner or primary applicant.

    However, not all cards report ongoing activity to personal credit bureaus. Requirements vary by issuer.

  • How should I use the expense category filters?

    Open expandable Close expandable

    Expense category filters help match cards to how your business actually spends money, such as gas, dining, travel, or office expenses.

    If your business has predictable spending patterns, using these filters can significantly improve reward accuracy and card fit.

  • What does “first year value” mean for business cards?

    Open expandable Close expandable

    First year value estimates the total potential benefit during your first year, including:

    • Welcome bonuses
    • Estimated rewards based on your spending
    • Credits or rebates
    • Annual fee considerations

    It helps compare cards with very different reward structures on a common basis.

  • What does “consecutive years value” represent?

    Open expandable Close expandable

    Consecutive years value estimates how much value a card may deliver after the first year, once introductory offers end.

    This is useful for businesses planning to keep a card long term rather than chasing short-term bonuses.

  • Are business credit card rewards taxable in Canada?

    Open expandable Close expandable

    In most cases, rewards earned through business spending are treated as rebates and are not taxable.
    Tax treatment can vary depending on how rewards are used, particularly if they are converted to cash or used personally.

    For specific tax guidance, it’s best to consult an accountant.

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