Enhanced offer of up to 50,000 Aeroplan points† with the TD® Aeroplan® Visa Infinite* Card Click here to learn more

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Canadian Small Business Credit Card Welcome Offers

Updated on October 29, 2024

Travel Points Credit Cards (with annual fee)


BMO AIR MILES®† World Elite®* Business Mastercard®*

BMO AIR MILES®† World Elite®* Business Mastercard®*

Welcome Offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we'll waive the $149 annual fee for a year.*

Annual Fee: $149 Primary Card | $50 Additional Card | Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • Welcome Offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we'll waive the $149 annual fee for a year.*
  • Get 1 Mile for every $12 you spend*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

  • Click here to apply for BMO AIR MILES®† World Elite®* Business Mastercard®*

*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

BMO Rewards® World Elite®* Business Mastercard®*

BMO Rewards® World Elite®* Business Mastercard®*

Welcome Offer: Get up to 100,000 BMO reward points - 20,000 points on your first purchase and an additional 10,000 points per month when you spend $3,000 per month in months 3 to 12 of having the card.. Plus, we’ll waive the $149 annual fee for the first year.*

Annual Fee: $149 Primary Card | $50 Additional Card | Interest Rate: Purchases 17.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • First-Use Bonus of 20,000 BMO Reward points earned when you make your first purchase with your card in the first 75 days after the account open date.
  • Monthly Bonus Offer: 8,000 BMO Reward Points per month when you spend at least $3,000 per month within month 3 – 12 (Month 3 starts on Day 76 and Month 12 ends Day 375) after the account open date.
  • Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
  • Earn 1.5 BMO Rewards points for every $1 you spend*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

  • Click here to apply for BMO Rewards® World Elite®* Business Mastercard®*

*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Scotiabank Passport Visa Infinite Business card

Scotiabank Passport Visa Infinite Business card

Earn up to 40,000 bonus Scene+ Rewards points in your first year (that’s up to $400 towards travel)

Annual Fee: $199 | Additional Cards: $0 for first card $50 for each additional | Minimum Income $60,000



Terms & Conditions apply




Bonus offer broken down as follows:
- Earn 30,000 bonus Scene+ Rewards points by making at least $5,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite Business cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $60,000 in everyday net eligible purchases annually.




Travel Points Credit Cards (No annual fee)


BMO AIR MILES®† No-Fee Business® Mastercard®*

BMO AIR MILES®† No-Fee Business® Mastercard®*

Welcome Offer: Get 1,000 AIR MILES Bonus Miles - That's enough for over $100 towards your purchases with AIR MILES Cash!*

Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases: 19.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • Welcome Offer: Get 1,000 AIR MILES Bonus Miles - That's enough for over $100 towards your purchases with AIR MILES Cash!*
  • Earn 1 AIR MILES Reward Mile on every $20 you spend*
  • Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • 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*
  • Click here to apply for BMO AIR MILES®† No-Fee Business® Mastercard®*

Hybrid / Flexible Points Credit Cards






The card previously listed here is currently not available

 


Business Platinum Card® from American Express

Business Platinum Card® from American Express

Earn up to 150,000 bonus Membership Rewards® points. Offer ends Jan 28, 2025.

Annual Fee: $799 | Additional Card Fee: $250 annually for Business Platinum Cards; $0 for Business Gold Cards | Purchase Interest: 21.99-28.99% on Flexible Payment Option limit and 30% on Due In Full balance



Terms & Conditions apply




  • Earn 110,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025.
  • Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025.
  • That’s up to $1,500 in statement credit that can be reinvested in your business

Earn points that you can redeem in a variety of ways.

  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
  • Bolster your business with up to $820 in annual business and travel statement credit
  • Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
  • Enroll and earn up to $120 in eligible Wireless Credits each year.
  • Access a $200 Annual Travel Credit each year of your Cardmembership

Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business - anytime and anywhere

  • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option.
  • This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy exclusive benefits for you and your business.

  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
  • Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
  • Enjoy complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
  • Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
  • Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership
  • Access comprehensive insurance coverage for your travel needs.
  • Equip your business with Mobile Device Insurance

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment


American Express® Business Gold Rewards Card


American Express® Business Gold Rewards Card

Earn 40,000 bonus Membership Rewards® points

Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Card membership.
Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year.
That’s $400 in statement credits that can be reinvested in your business.

Annual Fee: $199 | Additional Card Fee: $50 | Purchase Interest: 21.99% on Flexible Payment Option limit and 30% on Due In Full balance



Terms & Conditions apply




Earn points that you can redeem in a variety of ways

  • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere

  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option 
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.

Access comprehensive insurance coverage for your travel needs.

  • Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan

Access to coverage for mobile devices purchased for business use.

  • Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.


RBC Avion Visa Infinite Business

RBC Avion Visa Infinite Business

Get 25,000 RBC Rewards points upon approval

Annual Fee: $175 | Additional Card Fee: $75



Terms & Conditions apply




  • The Avion Visa Infinite Business card is your new business partner and can help manage with your day to day.
  • Track and separate your business expenses with industry leading reporting tools and controls to simplify your day to day
  • Get more time to pay suppliers with a 21 day grace period on top of your 30 day statement-- that's 51 days
  • Get exclusive Avon Infinite privileges and benefits as a business owner
  • Earn 1.25 RBC Rewards points for every $1 spent in net eligible purchases with your credit card4. The highest earn rate on any of our business cards
  • Receive access to RBC Offers, where you can save money or earn RBC Rewards points5
  • Book any flight, on any airline at anytime7. Take a look at our Air Travel Redemption Schedule to see how you can make the most of your points!
  • Transfer your RBC Rewards points towards other eligible loyalty programs (WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonuses to the airlines several times per year!)
  • Premium suite of insurances including trip cancellation, trip interruption, travel medical, car rental insurance
  • Redeem your points toward your credit card balance using Payback with Points
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart



Airline Credit Cards


American Express Aeroplan Reserve Card



American Express® Aeroplan®* Business Reserve Card

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

Annual Fee: $599 | Additional Card Fee: $199 for Aeroplan®* Business Reserve Cards to share some of the benefits and earn Aeroplan points faster, $0 for Aeroplan®* Business Reserve No Fee Cards to earn points faster | Annual interest rate 21.99% on purchases



Terms & Conditions apply




Earn up to 90,000 Welcome Bonus Aeroplan®* points

  • Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.

Earn Aeroplan points that you can redeem in a variety of ways.

  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
  • Enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight, together with up to eight companions travelling on the same reservation
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Hotel Credit Cards


Marriott Bonvoy Business American Express Card



Marriott Bonvoy™ Business American Express® Card

Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you spend $5,000 on your Card in your first three months of Cardmembership.

Annual Fee: $150 | Additional Card Fee: $50 | Annual interest rate 21.99% on purchases



Terms & Conditions apply




Earn Marriott Bonvoy points that you can redeem in a variety of ways.

  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
  • Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
  • Earn 2 points for every $1 spent on everything else
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.

  • Receive an Annual Free Night Award automatically each year after your anniversary
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Cash Back Credit Cards


BMO CashBack® Business Mastercard®*

BMO CashBack® Business Mastercard®*

Welcome offer: Get 10% cash back on gas, office supplies, and cell phone/internet bills for 3 months.*

Annual Fee: $0 | Interest Rate: Purchases 19.99% Cash Advances 22.99%



Terms & Conditions apply




  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
  • 0.75% cash back on all other card purchases*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • 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*

  • Click here to apply for BMO CashBack® Business Mastercard®*

*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
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