Best Business Travel Credit Cards in Canada
Travel cards for Canadian businesses, ranked on what the points are actually worth when redeemed well, the strength of the insurance package, and what the card costs to hold once the first-year rebate ends.
Short answer: The TD Aeroplan Visa Business Card leads (4.9/5) on the combination of Aeroplan earning, a complete insurance package and an unusually low 14.99% purchase APR. If you want points that transfer to more than one airline, the RBC Avion Visa Infinite Business is the better choice; if your team flies Air Canada constantly and the fee is not an obstacle, the Amex Aeroplan Business Reserve earns the most per dollar with Air Canada. Figures checked September 17, 2026 against issuer pages.
First, check whether you need a business card at all
Most Canadian issuers let a sole proprietor or side-business owner apply with their own name and Social Insurance Number rather than a registered business number, so being unincorporated is rarely the barrier people expect it to be. That also means a personal card stays on the table. Personal cards often earn at a higher rate on everyday categories such as groceries and gas, and the annual fee frequently buys more travel insurance. What a business card adds is separation of business and household spending at tax time, employee cards with individual limits, and a credit limit set against business revenue rather than personal income. Whether business spending stays off your personal credit file depends on the issuer, so confirm it rather than assuming. It is worth comparing the personal card you would otherwise carry before you decide.
Our Picks, Ranked
among business cards
TD Aeroplan Visa Business Card
Why it’s #1: It charges 14.99% on purchases, about five points below most business rewards cards, and still carries a full insurance package and Aeroplan earning — the rare card that is both the cheapest to carry a balance on and among the best to earn on.
Good for
- ✓A 14.99% purchase APR, roughly 5 points below most competing business rewards cards.
- ✓A full insurance package: travel medical to $2 million, trip cancellation and interruption…
Worth knowing
- !The full 60,000-point welcome offer needs $25,000 of spending across a year; the first tranche alone is only…
- !Bonus-category earning stops at $80,000 of annual spending.
among business cards
RBC Avion Visa Infinite Business Card
Why it’s here: Avion points transfer to several airline programmes rather than one, and the card carries strong business travel insurance, which is why it holds the top spot among RBC’s business line.
Good for
- ✓Uncapped 1.25x earn rate on the first $75,000/year in purchases, then 1x 35,000-point welcome…
Worth knowing
- !$175 annual fee plus $75 per additional employee card (up to 9) Lounge access is pay-per-visit (US$32), not…
among business cards
Marriott Bonvoy Business American Express Card
Why it’s here: Five points per dollar at Marriott properties plus an annual free night award, which pays for the $150 fee on its own if your team stays at Marriott brands even occasionally.
Good for
- ✓Annual Free Night Award after each account anniversary Automatic Silver Elite status plus 15…
Worth knowing
- !$150/year plus $50/year per Employee card No emergency medical or trip cancellation/interruption insurance…
among business cards
American Express Aeroplan Business Reserve Card
Why it’s here: Three Aeroplan points per dollar with Air Canada plus lounge access — the strongest earn rate for a business whose staff fly Air Canada regularly, if the $599 fee can be justified.
Good for
- ✓Complimentary Maple Leaf Lounge access plus complimentary Priority Pass membership Free first…
Worth knowing
- !$599/year plus $199/year per full-benefit additional card Best value concentrated in Air Canada travel —…
among business cards
American Express Business Platinum Card
Why it’s here: The widest premium travel benefit package of any Canadian business card, built for companies with significant travel budgets rather than for the earn rate.
Good for
- ✓American Express Global Lounge Collection (1,400+ airport lounges) $200 annual travel credit…
Worth knowing
- !$799/year is one of the highest fees on any Canadian business card Flat 1.25x earn rate with no bonus…
among business cards
WestJet RBC World Elite Mastercard for Business
Why it’s here: Up to six WestJet dollars per dollar on WestJet flights plus an annual companion voucher, which is the single most valuable perk here for a WestJet-heavy business.
Good for
- ✓35,000 WestJet points after first purchase, no minimum spend Up to 6 points per $1 on WestJet…
Worth knowing
- !No online application — phone or branch only No annual companion voucher (unlike the personal WestJet World…
among business cards
Scotiabank Passport Visa Infinite Business Card
Why it’s here: It is the only one of the 15 business cards we review with no foreign transaction fee, which makes it the default pick for a business that buys in US dollars or pays overseas suppliers.
Good for
- ✓Flat, uncapped 1.5 Scene+ points per $1 on all purchases 0% foreign transaction fee…
Worth knowing
- !No trip cancellation/interruption insurance confirmed on Scotiabank’s official coverage page (one secondary…
- !incorporated-business eligibility not explicitly clarified Flat rate with no bonus categories may under-earn…
among business cards
TD Business Travel Visa Card
Why it’s here: Nine TD Rewards points per dollar through Expedia For TD, about 4.5% back, plus the first-year fee rebated for you and up to four employees.
Good for
- ✓9 points per $1 through Expedia For TD, about 4.5% back at the rate these points redeem for.
- ✓6 points per $1 on foreign-currency purchases, which partly offsets the foreign transaction…
Worth knowing
- !TD Rewards points redeem at about 0.5 cents, so headline point totals look far larger than the value behind…
- !Outside the portal and bonus categories the card earns 2 points per $1, roughly 1% — beatable by a no-fee 1%…
among business cards
American Express Business Gold Rewards Card
Why it’s here: Membership Rewards points that transfer to several airline and hotel partners, with a solid flat earn rate across all business spending.
Good for
- ✓No preset spending limit Up to 55 interest-free days on purchases Uncapped 1 point/$1 on all…
Worth knowing
- !$199/year plus $50/year per additional Employee card 30% rate applies to any Due in Full balance not paid on…
among business cards
RBC Avion Visa Business Card
Why it’s here: The entry point to RBC’s Avion programme at a $120 fee, with the same transferable points as its Infinite sibling and a lighter benefit package.
Good for
- ✓Flat, uncapped 1 point per $1 on all purchases 35,000-point welcome bonus plus first-year fee…
Worth knowing
- !No airport lounge access at any price No emergency medical travel insurance found for this tier Flat 1x earn…
among business cards
BMO Ascend World Elite Business Mastercard
Why it’s here: Four points per dollar on gas, office supplies and telecom, the categories most small businesses actually spend in, inside BMO’s premium business tier.
Good for
- ✓4 points per $1 on gas, office supplies, and telecom/internet, up to $50,000/year Up to…
Worth knowing
- !$175 annual fee plus $50 per additional employee card 4x bonus categories cap at $50,000/year combined spend…
The Top Five Compared
Compare all business cards →| # | Card | Annual fee | Welcome bonus (est.) | Top earn rate | Purchase APR | Rating | |
|---|---|---|---|---|---|---|---|
| 1 | TD Aeroplan Visa Business Card | $149 (yr 1 rebated) | $1,200 | 2 pts/$1 | 14.99% | 4.8 ★ | Apply |
| 2 | RBC Avion Visa Infinite Business Card | $175 | $1,175 | 1.25 pts/$1 | 19.99% | 4.3 ★ | Apply |
| 3 | Marriott Bonvoy Business American Express Card | $150 | $720 | 5 pts/$1 | 21.99% | 4.2 ★ | Apply |
| 4 | American Express Aeroplan Business Reserve Card | $599 | $1,800 | 3 pts/$1 | 21.99% | 4.2 ★ | Apply |
| 5 | American Express Business Platinum Card | $799 | $2,040 | 1.25 pts/$1 | 21.99% | 3.9 ★ | Apply |
Common Questions
Which Business Travel Card Has the Most Valuable Points?
By our valuations, Aeroplan points are the most valuable mainstream Canadian currency at about 2.0 cents each, which is why the two Aeroplan business cards rank highly. TD Rewards points redeem at about 0.5 cents, so a headline offer of 200,000 TD Rewards points is worth roughly a quarter of what the same number of Aeroplan points would be.
Do Business Travel Cards Include Travel Insurance?
The paid ones usually do, but coverage varies a great deal. Look specifically at the travel medical limit and duration — several cards cover only the first 15 days of a trip, dropping sharply from age 65 — and at whether trip cancellation, rental car collision and baggage coverage are included.
Which Business Card Has No Foreign Transaction Fee?
The Scotiabank Passport Visa Infinite Business Card is the mainstream Canadian business card that advertises no foreign transaction fee. Most others charge roughly 2.5%, though several issuers do not publish the figure on the product page at all — we only state a fee where the issuer confirms it.
Are Welcome Bonuses on Business Cards Harder to Earn?
Generally yes. Business card offers are often tiered across a year and require far higher spending than personal cards — $15,000 to $25,000 is common. If your business cannot reach the thresholds, much of the advertised bonus will go unearned, so compare the first tier rather than the headline number.
More Rankings
Best business cards overallBusiness travel cardsBusiness cash backCompare all business cardsBest business bank accounts
MoneyMint may earn a commission if you apply through some links on this site; that does not affect how cards are rated or ranked. Rates, fees and offers were confirmed on each issuer’s own site on September 17, 2026 and change without notice — confirm current terms on the issuer’s application page before you apply. Business credit cards in Canada generally require a personal guarantee from the business owner. This page is general information, not financial, legal or tax advice.