Best Business Credit Cards in Canada - September 2026

Earn up to 110,000 bonus Marriott Bonvoy^® points

• New Marriott Bonvoy^® Business American Express^®* Cardmembers can receive 80,000 Marriott Bonvoy^® points as a bonus after charging $10,000 to their Card in the first 6 months of Cardmembership.
• Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
• Offer ends September 22, 2026.

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 for up to 35,000 points at eligible hotels and resorts worldwide every year after your first 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
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

Earn up to 120,000 bonus Membership Rewards^® points:

• Earn 80,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
• That’s up to $1,200 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 credits

• Register your eligible Card and get up to $500 in business account credits for your eligible purchases with Dell or 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 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy special benefits for you and your business.

• Extend payment solutions with Supplementary Cards for your employees.
• Make the most of the American Express Global Lounge Collection^TM, which gives you access to over 1,400 airport lounges worldwide. This includes the Centurion Lounge network^SM, Plaza Premium Lounges, as well as hundreds of lounges in domestic and international terminals designed to enhance your travel experience. Terms and conditions apply.
• 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 Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
• 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.

• Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
• Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum 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 Platinum 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 Platinum 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
• Equip your business with Mobile Device Insurance

• Earn up to $2,800* in first year savings and reward value, including no annual fee in your first year and up to 40,000 bonus Scene+ points with the Passport^™ Visa Infinite Business* Card*
• No Foreign Transaction Fee
• 6 complimentary airport lounge visits per year
• Comprehensive Travel Insurance coverage

Earn a welcome bonus of up to 70,000 Membership Rewards^® points in your first year.

• Earn 50,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Cardmembership.
• Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
• That’s up to $700 in statement credits to reinvest in your business.

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

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. 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 29.99%. These rates are 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.

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

• Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express Aeroplan^®* Business Reserve Cardmember.
• Plus, earn 25,000 Aeroplan points^® when you spend $3,500 in month 13.

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

• You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
• 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
• 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
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite^™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated 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
• Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
• 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

Welcome offer: Get up to 100,000 WestJet points* – that’s up to $1,000 in travel value**

• 35,000 WestJet points upon your first purchase*
• 10,000 WestJet points if your first purchase is posted to your account within the first 3 months of your account opening date*
• 20,000 WestJet points when you spend $5,000 in the first 3 months*
• 25,000 WestJet points when you spend $15,000 in the first 6 months*
• 10,000 WestJet points on your one-year account anniversary*

Fastest way to earn WestJet points

• Earn up to 6 WestJet points for every $1 spent on WestJet flights¹
• Earn 3 WestJet points for every $1 spent on WestJet Vacations¹ and Sunwing Vacations¹
• Earn 3 WestJet points for every $1 spent on telecommunications, shipping and electronics purchases²
• Earn 1.5 WestJet points for every $1 spent on all other purchases¹

Instant Silver Status³

• Only Canadian credit card that instantly provides top-tier status in the first year
• Benefits: lounge passes, priority check-in & boarding, 2 free checked bags for you and up to 8 additional guests travelling on the same reservation
• Silver status can be maintained by a minimum annual spend of $30,000 on the card annually after the first year³

Combine WestJet points

• Points earned on your business credit card will be automatically added to your personal WestJet Rewards account – no transfers required
• All WestJet points earned by secondary business cardholders are automatically added to your WestJet Rewards account⁴

Redeem WestJet points

• Redeem your WestJet points towards travel with WestJet, WestJet Vacations, Sunwing Vacations packages and partner airlines⁵
• Redeem points to save on seat selection, checked baggage fees and cabin upgrades⁵
• Redeem your points for gift cards and merchandise from your favourite brands at the new WestJet Rewards eStore⁵

Save at Petro-Canada
Save 3¢/L on gas and earn 20% more points when you pay with a linked RBC card.⁶

Earn more Be Well points at Rexall
Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC credit card.⁷

Enjoy unlimited $0 delivery fees with DoorDash
Get a complimentary DashPass subscription⁸ from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees⁹ on orders of $15+ when you pay with an eligible RBC credit card.

Enjoy airport lounges worldwide
Your WestJet RBC World Elite Mastercard for Business entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.¹⁰ This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com

Insurance coverage

• Trip Cancellation or Interruption: Should you need to cancel your trip, you could be reimbursed for any non-refundable prepaid travel arrangements when you pay for your trip using your WestJet RBC World Elite Mastercard for Business. If your trip is interrupted or delayed, this insurance provides reimbursement for a one-way economy ticket back to your departure point.¹¹
• Emergency Medical: Medical coverage for both you and your spouse, as well as eligible dependents accompanying you, is included for the first 15 consecutive days per trip outside Canada or your province of residence. If you are 65 years of age or older, you are entitled to the same benefit coverage for the first three consecutive days of your trip.¹²
• Auto Rental Collision, Loss or Damage: Covers you for loss and damage to a rental vehicle for up to the actual cash value of the rental vehicle (provided that you executed the rental agreement and paid the entire cost with your card, and the rental vehicle has an MSRP of under $65,000).¹³
• Purchase Security & Extended Warranty: Purchases made with your WestJet RBC World Elite Mastercard for Business are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The card also doubles the manufacturer’s original warranty for a maximum of one year. Please keep your receipts in the event you need to make a claim. You’ll also receive lost/stolen baggage,¹⁴ hotel/motel burglary,¹⁴ travel accident,¹⁴ flight delay¹⁴ and delayed baggage¹⁴ insurance. For more details, please refer to your Certificate of Insurance.
• Mobile Device Protection: Receive coverage of up to $2,000 in the event your mobile device – purchased with your WestJet RBC World Elite Mastercard for Business – is lost, stolen, accidentally damaged, or experiences mechanical failure. Coverage is for two years starting 91 days after the date you purchased your mobile device.¹⁴

Please refer to your Certificate of Insurance for detailed coverage information or contact us at 1-800-533-2778 if you have any specific questions in mind.