The best business credit card depends on your primary spending categories, your preferred rewards programme, and whether your business banks with a major institution. Here’s a comprehensive breakdown of the top Canadian business credit cards for 2026.
Best Business Credit Cards at a Glance
| Card | Annual Fee | Key Earn | Best For |
|---|---|---|---|
| Amex Business Gold Rewards Card | $199 | 2 MR/$1 everywhere; transfers to Aeroplan | Flexible MR travel rewards |
| Amex Aeroplan Business Reserve | $599 | 3 Aeroplan pts on Air Canada; 2 pts dining/transit | Premium Aeroplan earners |
| TD Aeroplan Visa Business Infinite | $149 | Aeroplan earn; Visa acceptance | TD business banking |
| RBC Avion Visa Business Infinite | $175 | Avion points on all spend | RBC business banking |
| Scotiabank Passport Visa Business Infinite | $199 | No FX fee; Scene+ | International business travel |
| CIBC Aeroplan Visa Business Card | $80 | Aeroplan earn | Entry-level; CIBC banking |
| BMO AIR MILES WE Business Mastercard | $149 | AIR MILES; bonus on business categories | AIR MILES businesses |
Best for Travel Rewards: Amex Business Gold Rewards Card
Annual fee: $199 | Network: Amex
The Amex Business Gold Rewards Card earns 2 Membership Rewards points on every dollar spent — no category restrictions. MR transfers 1:1 to Aeroplan, meaning every dollar earns at least 2 Aeroplan points — roughly 3–4¢ in Aeroplan value on flight redemptions. For businesses with high general spending across many categories, this flexibility is the best deal in Canadian business cards.
Additional business perks:
- Up to 9 supplementary cards (some at no additional charge)
- Year-end spending summary
- Amex Offers for business merchants
Best Premium Aeroplan Card: Amex Aeroplan Business Reserve
Annual fee: $599 | Network: Amex
For businesses with significant Air Canada travel:
- 3 Aeroplan points/$1 on Air Canada purchases
- 2 Aeroplan points/$1 on dining and transit
- 1.25 Aeroplan points/$1 everywhere else
- Unlimited Air Canada Maple Leaf Lounge access
- Air Canada status benefits
At $599, this card is for businesses spending heavily on Air Canada flights. The Maple Leaf Lounge access alone can be worth $500+/year for frequent flyers.
Best Bank-Issued Aeroplan Card: TD Aeroplan Visa Business Infinite
Annual fee: $149 | Network: Visa
For TD business banking customers, this Visa Infinite card earns Aeroplan on all business spending:
- Aeroplan earn on every dollar
- Visa acceptance (including everywhere Amex isn’t taken)
- Integration with TD business banking
- Travel insurance and purchase protection
Best for International Business Travel: Scotiabank Passport Visa Business Infinite
Annual fee: $199 | Network: Visa
- No foreign transaction fee — unique among premium business cards
- Scene+ earn on all purchases
- Airport lounge access (Visa Airport Companion)
- Comprehensive travel insurance for business trips
For businesses with international suppliers, clients, or frequent cross-border travel, the no-FX fee delivers immediate, compounding savings.
Best No-Fee Business Card
For businesses wanting expense separation with no annual cost — see Best No-Fee Business Credit Cards in Canada.
How to Compare Business Credit Cards
Step 1 — Calculate your annual fee breakeven: Annual fee ÷ earn rate = spending needed to cover the fee. Example: $199 fee ÷ 2% earn = $9,950 in annual business spending to break even.
Step 2 — Match categories: High travel spend → Aeroplan or Avion card High domestic operating expenses → Amex MR (flat 2%) or cash back International purchases → Scotiabank Passport (no FX)
Step 3 — Check income / revenue requirements: Some business cards require proof of business revenue or personal income. Verify with each issuer.
Related Articles
- Best No-Fee Business Credit Cards in Canada
- Best Business Travel Credit Cards in Canada
- Amex Membership Rewards — Business Use
- Aeroplan Guide for Canadians
- Business Credit Cards Hub
Business card terms and earn rates subject to change. Verify at each issuer. See our Advertiser Disclosure.