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Not at the moment, and this page says so first: no card issuer is in the network, and our application routes to lenders. If you need a card, the credit cards section of this site covers what is on the market. If you need revolving credit for a business, the product the network does offer is a business line of credit, and for most business borrowing it is the better product anyway. The rest of this page explains why.
Three things, and only one of them is about credit.
It separates the spending. Business purchases on a business card, personal on a personal one, and the bookkeeping at year end takes an afternoon instead of a week. That separation is the main reason to hold one, and it matters more the more transactions the business runs.
It builds a business credit file. Some issuers report to the business credit bureaus, which matters when the business later applies for a loan in its own name. Ask before choosing a card, because not all do.
It rewards spending the business does anyway. Points or cash back on fuel, software, travel and supplies. Worth something if the balance is paid in full every month, worth nothing if it is not, because the interest on a carried balance is many times the reward.
A charge card has no preset spending limit and must be paid in full each month; there is no revolving balance and no interest, because carrying a balance is not allowed. A credit card has a limit and lets you carry a balance at an interest rate that is usually around 20%. A charge card suits a business with strong, regular cash flow that wants a large monthly capacity; a credit card suits one that occasionally needs thirty days of float. Neither suits a business that needs to borrow for longer than a billing cycle.
Nearly every business credit card in Canada carries a personal guarantee. Incorporation does not change it. If the business cannot pay, the owner is liable, and most issuers report a delinquent business card to the owner's personal file. A business card separates the spending; it does not separate the risk, and an owner who runs up a balance in the company's name is running it up in their own.
The Financial Consumer Agency of Canada covers what a card issuer must disclose and how interest on a carried balance is calculated.
Whenever the business needs to borrow rather than to float. A business line of credit from the lenders in the network starts at 7.99%, against roughly 20% on a carried card balance; it is sized to the business's deposits rather than to a card issuer's limit; and it is built for exactly the recurring gap that a card ends up covering by default. A card for the spending, a line for the borrowing, and never a card balance carried for months to fund a business, is the arrangement that works.
Four things decide it, and the reward rate is the last of them.
The annual fee against the spending. A fee card pays for itself only above a spending level; work out yours before the rewards table means anything.
The foreign transaction fee. Most Canadian business cards add about 2.5% to every purchase in another currency, which on software, advertising and travel billed in US dollars is often the largest cost of the card. A no-FX-fee card is worth more than a higher reward rate to a business that buys abroad.
Whether it reports to the business bureaus. The reason to hold the card in the business's name at all.
The interest rate, which should not matter, because a business card balance should not be carried. If it will be, the line of credit above is the product.
Every other business product is on the business loans page, and short-term needs that a card would otherwise cover are on the working capital loans page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans. Last reviewed 16 September 2026.
Not currently. The network lists business lenders, not card issuers, and our application routes to lenders. The credit cards section of this site covers what is on the market, and a business line of credit is the revolving product the network offers, from 7.99%.
Most issuers accept sole proprietors, with the card issued in the business name and guaranteed personally. Requirements vary by product; the business bureaus report on registered businesses, so registration matters more for building a business credit file than for getting the card.
Not entirely. Nearly every business card in Canada carries a personal guarantee, and most issuers report a delinquent business card to the owner's personal file. The card separates the spending, not the risk.
A card to float spending you will pay in full within the month; a line to borrow for longer. A business line of credit from the network starts at 7.99% against roughly 20% on a carried card balance, and it is sized to your deposits rather than an issuer's limit.
A charge card has no preset limit and must be paid in full every month; a credit card has a limit and lets you carry a balance at interest. The charge card suits strong regular cash flow; the credit card suits occasional short float; neither suits borrowing beyond a billing cycle.
