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Business credit cards · Updated September 2026

Compare Canadian business credit cards.

Every small-business card we review, side by side — annual fee, welcome bonus, earn rate and purchase rate — with our rating on each. Search by card or issuer, sort by what matters to you, and compare up to three at once.

Short answer: We rate 15 Canadian business credit cards. The TD Aeroplan Visa Business Card scores highest overall, the Scotia Momentum for business Visa pays the most cash back, and the Scotiabank Passport Visa Infinite Business is the one mainstream business card with no foreign transaction fee. Two cards on this list charge no annual fee at all. Figures checked September 17, 2026 against issuer pages.

Also on MoneyMintOur top 5 business cards, ranked→Best business bank accounts→Welcome offers this week→How we rate credit cards→Personal credit cards→

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Featured partner offer

Scotiabank Passport® Visa Infinite Business* Card

The only one of the 15 business cards we review with no foreign transaction fee, a good fit if your business buys in US dollars or pays suppliers abroad.

Up to 40,000 Scene+ points*: 30,000 after $5,000 in purchases in the first 3 months, plus 10,000 after $60,000 in the first 12 months. About $400 by our valuation. For accounts opened by October 31, 2026.
Plus a $140 Mint Rebate from MoneyMint, on top of Scotiabank’s welcome bonus, not instead of it. We send it by Interac e-Transfer once your approval is confirmed.
Flat 1.5 Scene+ points per $1, no foreign transaction fee, travel insurance and airport lounge access. $199 annual fee, waived in the first year.
Get $140 Mint Rebate – Apply Now Read the full review

Featured partner offer: MoneyMint earns a commission if you’re approved, which funds the Mint Rebate (terms). It doesn’t change our ratings or rankings. *Offer terms

Scotiabank Passport Visa Infinite Business Card

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.

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All 102 Canadian Credit Cards We Review

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Common Questions

How Do I Choose a Business Credit Card?

Start with how you pay it off. If your business ever carries a balance, the purchase rate matters more than the rewards — the gap between 14.99% and 20.99% on a $10,000 balance is roughly $600 a year, more than most welcome bonuses. If you always pay in full, match the earn categories to where your business actually spends, and check the annual cap on those categories.

Can I Get a Business Credit Card as a Sole Proprietor?

In most cases yes. Canadian issuers generally accept sole proprietors, using your own name as the business name, and underwrite the card against your personal credit. You will normally be asked for an estimate of annual business revenue and to provide a personal guarantee.

Do Business Credit Cards Have Higher Limits Than Personal Cards?

Not automatically. Limits are set against the guarantor’s credit profile and the business’s stated revenue, so a new sole proprietorship may see a limit similar to a personal card. Established businesses with revenue history typically qualify for more.

Should Business and Personal Spending Go on the Same Card?

No. Keeping them separate makes bookkeeping and tax time far simpler, keeps the interest deduction question clean, and avoids the risk of a personal card’s terms being breached by business use — most personal card agreements technically prohibit it.

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.