Canadian Small Business Credit Card Welcome Offers

Updated on December 15, 2021

Travel Points Credit Cards (with annual fee)

American Express® AIR MILES®* for Business Card

• Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Card within your first 3 months of Cardmembership
• You can maximize your cash flow with up to 55 interest-free days and enjoy purchasing power that adjusts dynamically with Card usage
• You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind
• Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners* and 1 Mile for every $15 in Card purchases everywhere else
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• With the American Express® AIR MILES®* for Business Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history. That’s the power of a charge card
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now

 



BMO AIR MILES®† World Elite®* Business Mastercard®*


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we’ll waive the $149 annual fee for the first year!*

  • Get 1 Mile for every $12 you spend*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information


BMO AIR MILES®† Business® Mastercard®*


Welcome offer: Get 3,000 AIR MILES Bonus Miles (3,000 miles with spend hurdle of $5,000 in the first 3 months) + first year free
- Earn 1 AIR MILES Reward Mile on every $10 you spend*
- Plus – earn 1.25X the Miles when you use your card at participating Shell stations*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- Travel Protection*
- Our Liability Waiver Program protects your business against employee card abuse*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%

Apply Now



BMO Rewards® World Elite®* Business Mastercard®*


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 17.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome Offer: Get up to 70,000 BMO reward points - 50,000 points when you spend $5,000 in the first three months and an additional 20,000 points when you spend $35,000 in the first twelve months. Plus, we’ll waive the $149 annual fee for the first year.*

  • Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
  • Earn 1.5 BMO Rewards points for every $1 you spend*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information



Scotiabank Passport Visa Infinite Business card

Annual Fee: $199 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 40,000 bonus Scene+ Rewards points in your first year (that’s up to $400 towards travel )
Bonus offer broken down as follows:
- Earn 30,000 bonus Scene+ Rewards points by making at least $5,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite Business cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $60,000 in everyday net eligible purchases annually.
• Earn 1.5X the Scene+ points for every $1 spent on purchases for your business
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.


Apply Now




Travel Points Credit Cards (No annual fee)

Coming soon...

Hybrid / Flexible Points Credit Cards



American Express Business Edge™ Card 

• Earn up to 57,000 Membership Rewards® bonus points in your first year of Cardmembership
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership
• You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year
• You can earn 3 times the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks. Caps and other conditions may apply.
• You can earn 1 times the points on all other purchases charged to the Card
• Get choice and flexibility by using points for purchases or redeeming them for a wide range of travel, dining, entertainment and retail rewards options
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• Leverage your cash flow with the option of carrying a balance or paying in full each month
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply


Apply Now

 



Business Platinum Card® from American Express

Card Type: Charge
Annual Fee: $499 Additional Card Fee: $199 annually for Business Platinum Cards; $50 annually for Business Gold Cards

Earn up to 100,000 bonus Membership Rewards® points: Earn 80,000 bonus Membership Rewards® points when you spend $6,000 in purchases within the first three months of Cardmembership. Plus, earn an additional 20,000 bonus Membership Rewards points when you make a purchase after your 14-month Card anniversary date. That’s $1,000 in statement credits you can reinvest into your business.
• You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it
• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Business Platinum Cardmembers can enjoy access to specialty services, preferential treatment and a dedicated Concierge team
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now

 



American Express® Business Gold Rewards Card

Card Type: Charge
Annual Fee: $199 Additional Card Fee: $50

  • Earn up to 110,000 points: Earn a welcome bonus of 60,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership. Earn an additional 10,000 Membership Rewards® points when you make a purchase after your 14-month Card anniversary date. Plus earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year. If redeemed for a statement credit, this is $1,100 that you can reinvest in your business.
  • The Membership Rewards program boasts an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchadise, and more
  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.
  • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card. Track Your Progress by logging into your American Express® App to see how your quarterly purchases are stacking up. Download the Amex App for your phone or use http://amex.ca/Mobile to view more information. Available on iOS and Android only. 
  • Take advantage of purchasing power that grows with your business. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere
  • 99% Recycled Plastic: You will receive your new Business Gold Rewards Card once your current Card expires. You can continue to use your current Card until you receive a new one. As part of our commitment to sustainability, your Card has been created using 99% recycled plastic
  • Special Business Offers with American Express. Explore offers for dining, travel, business supplies and services, and more – from brands you love
  • Enjoy added confidence with Mobile Device Insurance. You can be protected with our Mobile Device Insurance. Enjoy your new mobile device with more confidence
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges 
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

  • Apply Now

     



    RBC Avion Visa Infinite Business

    Annual Fee: $175
    Additional Card Fee: $75

    • Get 35,000 RBC Rewards points upon approval
    • The Avion Visa Infinite Business card is your new business partner and can help manage with your day to day.
    • Track and separate your business expenses with industry leading reporting tools and controls to simplify your day to day
    • Get more time to pay suppliers with a 21 day grace period on top of your 30 day statement-- that's 51 days
    • Get exclusive Avon Infinite privileges and benefits as a business owner
    • Earn 1.25 RBC Rewards points for every $1 spent in net eligible purchases with your credit card4. The highest earn rate on any of our business cards
    • Receive access to RBC Offers, where you can save money or earn RBC Rewards points5
    • Book any flight, on any airline at anytime7. Take a look at our Air Travel Redemption Schedule to see how you can make the most of your points!
    • Transfer your RBC Rewards points towards other eligible loyalty programs (WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonuses to the airlines several times per year!)
    • Premium suite of insurances including trip cancellation, trip interruption, travel medical, car rental insurance
    • Redeem your points toward your credit card balance using Payback with Points
    • Up to a 2.3% return on your spending depending on which reward ticket you book
    • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
    Apply Now



    Airline Credit Cards


    American Express® Aeroplan®* Business Reserve Card

    Card Type: Credit   
    Annual Fee: $599
    Additional Card Fee: $199 for Aeroplan®* Business Reserve Cards to share some of the benefits and earn Aeroplan points faster, $0 for Aeroplan®* Business Reserve No Fee Cards to earn points faster
    Annual interest rate 16.99% on purchases and 21.99% on funds advances

    Earn up to 90,000 Aeroplan points and a bonus Buddy Pass. Earn a welcome bonus of 30,000 Aeroplan points and a bonus Buddy Pass for an eligible flight within North America after spending $5,000 in purchases within the first three months of Cardmembership. With a bonus Buddy Pass, you can bring a friend anywhere Air Canada®* flies in North America. On the second ticket, you only pay the taxes and third-party charges. Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.
    • Eligible cardmembers get a FREE Uber Pass membership for 12 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks.
    • Earn 2X the points on eligible purchases with Rocky Mountaineer. Plus, you could receive a GoldLeaf Service Upgrade, and a hotel room upgrade.
    • Earn up to $3,000 in value within your first year. Spend applies to bonus point offers valued at up to $1,800.
    • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations, 2 points for every $1 spent on eligible hotels and car rentals, and 1.25 points for every $1 spent on everything else
    • Your American Express Aeroplan Business Reserve Card gives you access to more than 1,200 Priority Pass airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
    • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Cafes™ in North America, with a same day ticket on a departing Air Canada or Star Alliance flight
    • You and up to eight companions will enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada.
    • You and up to eight companions travelling on the same reservation will all enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight
    • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
    • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
    • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, complimentary valet service, 15% discount on parking rates, and 15% discount on Car Care Services
    • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
    • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
    • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
    • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more
    • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
    • Leverage your cash flow with the option of carrying a balance or paying in full each month • American Express® Aeroplan®* Business Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

    Apply Now

    Hotel Credit Cards



    Marriott Bonvoy™ Business American Express® Card


    Card Type: Credit   
    Annual Fee: $150 Additional Card Fee: $50
    Annual interest rate 19.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

    • Earn up to 85,000 Marriott Bonvoy™ points. Earn 70,000 Welcome Bonus Marriott Bonvoy™ points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Plus, earn 5 points for every $1 in Card purchases on eligible Gas, Dining and Travel (excluding lodging) for the first three months of Cardmembership. 

    • Receive an Annual Free Night Award automatically each year after your anniversary
    • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year
    • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
    • You can earn 3 points for every $1 in Card purchases on eligible gas, dining and travel
    • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every $1 in purchases charged to the Card everywhere else
    • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
    • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

    Apply Now

    Cash Back Credit Cards



    BMO CashBack® Business Mastercard®*


    - No annual fee
    - Welcome offer: Get 10% cash back on gas, office supplies, and cell phone/internet bills for 3 months.*
    - Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
    - 0.75% cash back on all other card purchases*
    - 25 payment grace days*
    - Optional Employee Cards - empower employees with delegated purchasing authority*
    - Use your card at Costco locations across Canada*
    - Our Liability Waiver Program protects your business against employee card abuse*
    · Interest Rate: Purchases 19.99% Cash Advances 22.99%


    Apply Now