1.American Express Business Gold Rewards Card
American Express
- 4%Points on top 2 eligible business spending categories
- 3%Points on flights/prepaid hotels booked via AmexTravel.com
- 1%Points on all other purchases
Earn 40,000 Welcome Bonus points.
Earn 4x points on your top 2 eligible business spending categories, 3x points on flights/prepaid hotels booked via AmexTravel.com, and 1x on all other purchases.
21.99%
21.99%
The American Express Business Gold Rewards Card stands out as the top choice because it offers exceptional earning potential with 4x points on the top two eligible business categories, making it ideal for businesses that can leverage these categories effectively.
Pros:
- No limit to the number of Membership Rewards points
- Points never expire
Cons:
- Higher annual fee
- Requires active management to maximize benefits
2.TD Aeroplan Visa Business Card
TD Canada Trust
- 2%Aeroplan points on Air Canada
- 1.5%Aeroplan points on travel/transit, dining, and select business categories
- 1%Aeroplan points on all other purchases
Earn up to 60,000 Aeroplan points, including 10,000 on the first purchase.
Earn 2x points on Air Canada and 1.5x points on travel/transit, dining, and select business categories.
14.99%
22.99%
What sets the TD Aeroplan Visa Business Card apart is its robust earning structure, particularly for businesses that frequently travel with Air Canada, allowing cardholders to maximize their Aeroplan points efficiently.
Pros:
- Lucrative welcome bonus
- Free first checked bag
Cons:
- Annual fee applies
- Points may be limited to Aeroplan partners
3.RBC Avion Visa Business
RBC Royal Bank
- 1.25%Avion points on first $75,000 spent
- 1%Avion points on all other purchases
Earn 35,000 Welcome Avion points upon approval.
Earn 1.25 Avion points for every $1 spent on the first $75,000.
19.99%
22.99%
The RBC Avion Visa Business shines for its flexibility in redeeming points for travel across any airline, making it an excellent choice for businesses that prioritize travel rewards and benefits.
Pros:
- Flexible redemption options
- High earn rates on business spending
Cons:
- Annual fee applies
- Interest rates may vary by offer
Final Words
As you consider the best business credit cards this January, remember that evaluating rewards, fees, and benefits is essential for making the right choice for your needs. Take time to compare your options and make informed decisions that will enhance your business's financial health.
Frequently Asked Questions
The American Express Business Gold Rewards Card offers a welcome bonus of 40,000 Welcome Bonus points. You can earn 4x points on your top 2 eligible business spending categories, 3x points on flights/prepaid hotels booked via AmexTravel.com, and 1x on all other purchases.
With the TD Aeroplan Visa Business Card, you can earn up to 60,000 Aeroplan points, including 10,000 on the first purchase. The card also provides 2x points on Air Canada and 1.5x points on travel/transit, dining, and select business categories.
The RBC Avion Visa Business allows you to earn 35,000 Welcome Avion points upon approval. You earn 1.25 Avion points for every $1 spent on the first $75,000, and 1% on all other purchases.
Consider the rewards structure, annual fees, and any welcome bonuses when selecting a business credit card. Look for cards that align with your business spending habits to maximize rewards and benefits.
Yes, most business credit cards have annual fees, which can vary widely depending on the card's features. It's essential to weigh these fees against the potential rewards and benefits to determine if a card is right for your business.
To enhance your chances of approval, maintain a good credit score, have a steady income, and ensure your business is registered properly. Providing accurate financial information during the application process can also help.
Welcome bonuses for business credit cards can vary widely, often ranging from points that can be redeemed for travel to cashback offers. Look for cards that provide substantial bonuses based on your expected spending to maximize your initial rewards.
