Best Business Credit Cards in Canada for 2026

Business credit cards in Canada offer one major advantage over personal cards: higher spending limits and the ability to pool employee spending on a single account. The best Canadian business cards from American Express also earn Membership Rewards points that transfer to Aeroplan, making them powerful tools for business owners who travel.

Best Business Card for Rewards: Amex Business Gold

The American Express Business Gold Rewards Card ($199/year) earns 2 Membership Rewards points per dollar on all purchases, plus bonus points in categories like gas, office supplies, and travel. The welcome offer of up to 70,000 points is one of the strongest in the business card category. Employee cards can be added for free.

Best Premium Business Card: Amex Business Platinum

The Amex Business Platinum ($799/year) provides access to 1,400+ airport lounges worldwide (including Centurion Lounges), up to 120,000 points welcome bonus, and a comprehensive travel insurance package. For business owners who travel frequently and want to write off the annual fee, this card delivers more value than almost any alternative.

Key Differences: Business vs Personal Amex Cards

Business Amex cards earn the same Membership Rewards points as personal cards — transferable to Aeroplan, Avios, Flying Blue, Marriott Bonvoy, and other partners at the same ratios. The main advantages of business cards: no impact on personal credit bureau, higher credit limits, expense management tools, and the ability to have employee supplementary cardholders.