- Annual Fee
- $175 Waived or rebated in year one
- Welcome Bonus
- $1,000 Up to 100,000 Avion points + first-year fee waived
- Net Annual Rewards
- $425 1.25 points per $1
- First Year Value
Business
Compare business credit cards in Canada
Enter your business spending to rank 18 Canadian business cards by first-year value. Fees, earn rates and welcome offers come from each issuer's own page.
Spending & filters
Business spending
Enter your monthly business spending to rank every card by what it would earn you.
Monthly total$4,000
Filters
Reward type
Choose cash back cards, points cards, or view all.
Foreign transaction fees
Only show cards that don’t charge extra on purchases in other currencies.
Annual fee
Set a maximum annual fee, or only show cards with the first-year fee waived.
Payment networks
Only see Visa, Mastercard or American Express cards.
Institutions
Only see business cards from the institutions you pick.
Benefits
Every benefit you pick must come with the card.
- Annual Fee
- $149 Waived or rebated in year one
- Welcome Bonus
- $900 Up to 200,000 TD Rewards points + first-year fee rebate
- Net Annual Rewards
- $523 2 TD Rewards points per $1
- First Year Value
- Annual Fee
- $175
- Welcome Bonus
- $900 Up to 100,000 WestJet points
- Net Annual Rewards
- $617 1.5 WestJet points per $1
- First Year Value
- Annual Fee
- $149 Waived or rebated in year one
- Welcome Bonus
- $600 Up to 60,000 Aeroplan points + first-year fee rebate
- Net Annual Rewards
- $409 1 Aeroplan point per $1
- First Year Value
- Annual Fee
- $150
- Welcome Bonus
- $490 Up to 80,000 Marriott Bonvoy points
- Net Annual Rewards
- $598 2 points per $1
- First Year Value
- Annual Fee
- $79
- Welcome Bonus
- $205 5% cash back for 3 months
- Net Annual Rewards
- $809 1% cash back
- First Year Value
- Annual Fee
- $199
- Welcome Bonus
- $700 Up to 70,000 points
- Net Annual Rewards
- $281 1 point per $1
- First Year Value
- Annual Fee
- $599
- Welcome Bonus
- $800 Up to 120,000 Aeroplan points
- Net Annual Rewards
- $61 1.25 points per $1
- First Year Value
From January 12, 2027, the annual fee rises to $799 and the supplementary card fee to $249.
- Annual Fee
- $120 Waived or rebated in year one
- Welcome Bonus
- $350 35,000 Avion points + first-year fee waived
- Net Annual Rewards
- $360 1 point per $1
- First Year Value
- Annual Fee
- $199
- Welcome Bonus
- $300 Up to 40,000 Scene+ points
- Net Annual Rewards
- $521 1.5 Scene+ points per $1
- First Year Value
- Annual Fee
- $139 Waived or rebated in year one
- Welcome Bonus
- $438 Up to 70,000 Aventura points + 2 years fee rebate
- Net Annual Rewards
- $184 1 point per $1
- First Year Value
- Annual Fee
- $0
- Welcome Bonus
- $255 10% cash back for 3 months
- Net Annual Rewards
- $450 0.75% cash back
- First Year Value
- Annual Fee
- $175 Waived or rebated in year one
- Welcome Bonus
- $0 Up to 150,000 BMO Rewards points + first-year fee waived
- Net Annual Rewards
- $508 1.5 points per $1
- First Year Value
- Annual Fee
- $0
- Welcome Bonus
- $180 $60 bonus
- Net Annual Rewards
- $480 1% cash back
- First Year Value
- Annual Fee
- $0
- Welcome Bonus
- $135 10% cash back for 3 months
- Net Annual Rewards
- $480 1% cash back
- First Year Value
- Annual Fee
- $125
- Welcome Bonus
- $0 No current welcome offer
- Net Annual Rewards
- $595 1.5 points per $1
- First Year Value
- Annual Fee
- $0
- Welcome Bonus
- $0 No current welcome offer
- Net Annual Rewards
- $438 0.5% cash back
- First Year Value
- Annual Fee
- $799
- Welcome Bonus
- $0 Up to 150,000 points
- Net Annual Rewards
- −$199 1.25 points per $1
- First Year Value
From January 1, 2027, complimentary Plaza Premium and Priority Pass lounge visits become limited each year.
Ranked by estimated first-year value at your spending. Commission never changes the order. Points are valued at the same rates as WalletReturn’s personal-card estimates.
How to choose a business credit card
Business card or personal card?
A separate card keeps business spending out of your personal statements, which makes bookkeeping and tax time simpler. Issuers usually check the owner’s personal credit, and small-business cards often make the owner personally responsible for the balance, so read the cardholder agreement.
Charge card or credit card?
A charge card is meant to be paid in full every month and has no pre-set spending limit. A credit card has a limit and lets you carry a balance, with interest on whatever you don’t pay off.
Points or cash back?
Cash back is simple: a percentage comes back as a credit. Points can be worth more when you redeem them for travel, but their value depends on how you use them.
Can you reach the welcome-offer spend?
Business offers often require $5,000 to $25,000 in purchases within a few months. Count a bonus only if your normal business spending gets there without extra purchases.
Do you need employee cards?
Additional cards range from free to $250 a year each. Check the fee and whether employee spending earns rewards on the main account.
Rates, fees and offers were read on each issuer's own page on October 24, 2026. Offers change often; the issuer's terms apply. WalletReturn does not take applications or check credit.