Compare business credit cards in Canada — employee cards, expense management, generous welcome bonuses, and rewards on B2B spend categories.
It comes with a welcome bonus of 120,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,715.
Amex Membership Rewards
The Scotiabank Passport Visa Infinite Business Card offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $735.
Scene+
It comes with a welcome bonus of 70,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,370.
Amex Membership Rewards
It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,067.
Marriott Bonvoy
It comes with a welcome bonus of 90,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,826.
Aeroplan
It comes with a welcome bonus of 45,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $664.
WestJet Rewards
Complete Guide
Compare business credit cards in Canada — employee cards, expense management, generous welcome bonuses, and rewards on B2B spend categories.
Business credit cards separate company expenses from personal spend, scale rewards across higher monthly volumes, and unlock features that consumer cards simply don’t offer — employee cards with custom limits, expense reporting integrations, and category bonuses on B2B spend like advertising, software, and shipping.
Sole proprietors, incorporated businesses, freelancers with consistent revenue, and even side-hustlers can qualify. Issuers ask for business name, revenue estimate, and your personal SIN — most don’t require a separate business credit history.
6
Cards analyzed
Jun 2026
Last updated
100%
Independent
Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.
FAQ
No. Sole proprietors and freelancers qualify too. Some issuers will ask for business documentation; others approve based on the operating name and your personal credit profile.
Often yes — Amex Business cards routinely offer welcome bonuses 1.5–2× larger than their personal counterparts because business spend volumes are typically higher.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
