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Best Small Business Credit Cards in Canada 2025

Updated: March 2026 | Reviewed by the Bremo editorial team

A dedicated business credit card separates personal and business expenses, earns rewards on business spending, and can provide employee cards and spending controls. Canadian small business owners who put $2,000–$100 or more in monthly expenses on a business card can earn significant rewards — here's what's worth considering in 2025.

CRA note: Using a dedicated business credit card makes tax time significantly easier by separating business and personal transactions. Keep your records clean from day one.

Best Small Business Cards at a Glance

Card	Best Earn Rate	Annual Fee	Best For
Amex Business Gold Card	2x MR on top 2 categories	$199	Flexible rewards
Amex Cobalt (personal, biz use)	5x food & drinks	$155.88/yr	Freelancers/sole props
TD Aeroplan Visa Business Infinite	1.5 pts on core categories	$149	Travel + Aeroplan
RBC Avion Visa Business Infinite	1.25 Avion pts all spending	$175	Flat-rate travel
Scotiabank Passport Visa Infinite Business	3x on gas, food, travel	$299	No FX fees + travel
CIBC Aeroplan Visa Business Privilege	Up to 2 pts/$	$399	Premium Aeroplan

Top Business Cards in Detail

Best Overall Business Card

American Express Business Gold Card

The Amex Business Gold automatically identifies your top 2 spending categories each month and gives you 2x Membership Rewards on those categories. It adapts to your spending — ideal for businesses with variable expense profiles.

2x MR points on your top 2 spending categories automatically selected each month (from: advertising, gas, hardware/software, hotel, restaurant, shipping, transit)
1x point on all other business purchases
Free supplementary cards for employees
Annual fee: $199
Transfer MR points to Aeroplan 1:1
No preset spending limit (charge card)

Best for Travel

TD Aeroplan Visa Business Infinite

For business owners who fly Air Canada regularly, the TD Aeroplan Business Infinite offers the same earn rates as the consumer version plus business-specific features like employee cards and expense tracking.

1.5 Aeroplan pts/$ on groceries, gas, Air Canada
1 pt/$ on other purchases
Free employee cards (up to 9)
Comprehensive travel insurance
Annual fee: $149

Scotiabank Passport Visa Infinite Business Card

For businesses with significant international travel or foreign vendor payments, the Passport Visa Infinite Business card waives foreign transaction fees — saving 2.5% on every international transaction. At high foreign-currency spend volumes, this alone justifies the fee.

3x Scene+ points on gas, dining, and other eligible travel purchases
1x on everything else
No foreign transaction fees
6 complimentary airport lounge passes annually
Annual fee: $299

Business Card vs. Personal Card for Business

Many small business owners use personal cards for business spending. This works, but a dedicated business card provides:

Cleaner bookkeeping: All business expenses in one statement
Higher limits: Business cards often have larger credit limits
Employee cards: Issue cards to staff with individual limits
Business-specific rewards: Bonus rates on office supplies, advertising, software
Liability protection: Some cards offer purchase and liability insurance specific to business use

Self-Employed and Freelancer Options

If you're self-employed, incorporated or not, you can qualify for business cards. You'll typically need:

Business registration number or sole proprietorship documentation
Personal guarantee (you're personally liable if the business can't pay)
Revenue history (some issuers require 1–2 years of business operation)

Many freelancers and sole proprietors use the personal Amex Cobalt for business-like spending (5x on restaurants, food delivery) since it doesn't require business registration and earns excellent rates on typical freelancer expenses.

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Bottom Line

The Amex Business Gold Card is the best Canadian small business credit card for most owners — its adaptive 2x category system fits diverse spending patterns and MR points transfer to Aeroplan. For Air Canada-focused travel, the TD Aeroplan Business Infinite is excellent. If you have significant international expenses, the Scotiabank Passport Business card's no-FX-fee feature can be worth every dollar of the $299 annual fee.