Best Business Credit Cards in Canada for 2025

Earn rewards on business expenses, simplify accounting, and access higher credit limits with Canada's top business cards.

Why Canadian Businesses Need a Dedicated Business Card

Mixing personal and business expenses creates accounting headaches at tax time and can complicate CRA reporting. A business credit card keeps expenses separate, provides monthly statements for reconciliation, often integrates with accounting software like QuickBooks or Xero, and earns rewards on every dollar your business spends.

Business cards also typically offer higher credit limits than personal cards — important for managing cash flow in small businesses.

Best Business Credit Cards Canada 2025

Card	Earn Rate	Annual Fee	Best For
Amex Business Platinum	1.25 MR pts/$1	$799	Premium travel + lounge access
Amex Business Gold	2 MR pts on top categories	$199	Flexible business rewards
TD Business Travel Visa Infinite	9 pts/$1 on TD Travel	$149	Frequent business travelers
Scotiabank Business Visa	1.5 Scene+ pts/$1	$79	Mid-size business spenders
RBC Avion Visa Business	1.25 Avion pts/$1	$175	Flexible travel redemption
BMO World Elite Business MC	3% on gas/office supplies	$149	High office/gas spending

American Express Business Gold — Best Mid-Tier

The Amex Business Gold earns 2 MR points per $1 in your two highest-spend categories from a list including advertising, gas, shipping, travel, restaurants, and electronics. With no preset spending limit, it accommodates businesses with variable monthly expenses. Annual fee: $199. Employee cards available at no extra cost.

TD Business Travel Visa Infinite

TD's Business Travel Visa Infinite earns 9 TD Rewards points per $1 on TD Travel purchases, 6 pts on restaurants and entertainment, 3 pts everywhere else. Points redeem through the TD Travel portal at competitive rates. Includes business travel insurance, airport lounge access via Priority Pass, and expense reporting tools. Annual fee: $149.

BMO World Elite Business Mastercard

The BMO World Elite Business earns 3% cash back on gas, office supplies, and cell phone bills — categories that match most small business spending patterns. Everything else earns 1.5%. Includes travel insurance, free employee cards, and purchase protection. Annual fee: $149 (first year free).

Key Features to Look for in a Business Card

• Employee cards — Add team members without extra fees
• Expense reporting — Integration with accounting software
• High credit limits — Accommodate variable business cash flow
• Rewards on business categories — Office supplies, gas, travel, advertising
• Travel insurance — Medical and trip coverage for business travel
• No foreign transaction fees — For businesses that purchase from US vendors

Tax Considerations for Business Cards in Canada

Annual fees on business credit cards are generally deductible as a business expense. Interest charges on business purchases may also be deductible. Keep detailed records — your monthly statement is your primary documentation. Avoid mixing personal and business expenses on the same card, as it complicates your CRA reporting significantly.