1.American Express® Aeroplan®* Business Reserve Card
American Express
- 3%Points on Air Canada purchases
- 2%Points on hotels/car rentals
- 1.25%Points on all other spending
Earn up to 90,000 to 140,000 Aeroplan points within the first 13–17 months.
Earn 3x points on Air Canada purchases, 2x on hotels/car rentals, and 1.25x on all other spending.
The American Express Aeroplan Business Reserve Card stands out as the top choice because it offers premium travel rewards and exclusive benefits tailored for frequent travelers, making it ideal for business owners who prioritize travel perks.
Pros:
- Premium travel rewards
- Unlimited Maple Leaf Lounge access
Cons:
- High annual fee
- Significant spending required for bonuses
- 2%Points on Air Canada purchases
- 1.5%Points on select business categories
Offers a welcome bonus of up to 75,000 to 100,000 Aeroplan points.
Earn 2 points for every eligible $1 spent directly with Air Canada and 1.5 points on select business categories.
What sets the CIBC Aeroplan Visa Business Card apart is its strong earning potential on Air Canada purchases, making it a valuable option for businesses that frequently travel with the airline.
Pros:
- First-year annual fee rebate
- Strong earning potential on Air Canada purchases
Cons:
- Annual fee after the first year
- Limited to specific categories for higher rewards
3.Marriott Bonvoy Business American Express Card
American Express
- 6%Points at Marriott properties
- 5%Points on other eligible purchases
Earn 80,000 points after you spend $10,000 on your Card in your first 6 months.
Earn 6x points at Marriott properties and 5x points on other eligible purchases.
This card shines for its ability to earn accelerated Marriott points and provide valuable hotel benefits, making it an excellent choice for business owners who frequently stay at Marriott properties.
Pros:
- Annual Free Night Award
- Automatic Gold Elite status
Cons:
- Limited to Marriott properties for maximum rewards
- Annual fee applies
4.Scotiabank Passport Visa Infinite Business Card
Scotiabank
- 1.5%Scene+ points on all purchases
New cardholders can earn up to 40,000 bonus Scene+ points in the first year.
Earn 1.5 Scene+ points per $1 spent on all purchases.
A key differentiator is the Scotiabank Passport Visa Infinite Business Card's lack of foreign transaction fees, making it an ideal choice for businesses with significant international spending.
Pros:
- No foreign transaction fees
- Complimentary airport lounge passes
Cons:
- Higher annual fee
- Limited bonus points for spending
5.American Express Business Gold Rewards Card
American Express
- 1%Points on all purchases
Earn up to 70,000 Membership Rewards points after spending $7,500 in the first three months.
Earn 1 point per $1 spent on all purchases.
The standout feature here is the American Express Business Gold Rewards Card's flexibility in travel redemption, allowing businesses to maximize their rewards potential.
Pros:
- Flexible travel redemption
- Annual Dell credit
Cons:
- High spending requirement for bonuses
- Annual fee applies
- 1%Cash back on all purchases
Limited-time welcome bonus of $50 back on incorporation fees for new sign-ups.
Earn 1% cash back on all purchases.
This card shines for its simplicity and no annual fee structure, making it an attractive option for Canadian businesses looking to manage expenses efficiently.
Pros:
- No annual fee
- Unlimited virtual cards for employees
Cons:
- Limited rewards compared to others
- No interest rates applicable
- 10%Cash back on gas, office supplies, and cellphone/internet bills for 3 months
- 0.75%Cash back on all other purchases
Get 10% cash back on gas, office supplies, and cellphone and internet bill payments for 3 months.
Earn 10% cash back for the first 3 months, then 0.75% on all other purchases.
The standout feature of the BMO Cashback Business Mastercard is its high initial cash back rate, making it an excellent choice for businesses looking to maximize rewards on essential expenses.
Pros:
- No annual fee
- High initial cash back rate
Cons:
- Limited time offer
- Lower cash back rate after initial period
Final Words
As you evaluate your options for the best business credit cards this April 2026 in Canada, remember that the right card can significantly enhance your financial management and rewards potential. Take time to compare features, fees, and benefits to make an informed decision that aligns with your business needs.
Frequently Asked Questions
The American Express® Aeroplan®* Business Reserve Card offers a welcome bonus of up to 90,000 to 140,000 Aeroplan points within the first 13–17 months.
With the CIBC Aeroplan Visa Business Card, you earn 2 points for every eligible $1 spent directly with Air Canada and 1.5 points on select business categories. This makes it a great option for businesses that frequently spend on travel.
The Marriott Bonvoy Business American Express Card allows you to earn 6x points at Marriott properties and 5x points on other eligible purchases. This is especially beneficial for frequent travelers staying at Marriott hotels.
The annual fee for the American Express® Aeroplan®* Business Reserve Card is CA$599, which provides access to premium travel benefits and rewards.
When selecting a business credit card, consider factors such as annual fees, reward rates, and the types of rewards that align with your spending habits. It's also important to evaluate additional benefits like travel insurance, cashback options, or introductory bonuses.
Yes, some business credit cards offer cashback options, allowing you to earn a percentage back on your purchases. However, many cards focus on travel rewards, so be sure to choose one that fits your business needs.
To apply for a business credit card, you'll typically need to provide personal information, business details, and financials. Most issuers allow online applications, making it a convenient option to get started.
