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Use this guide to understand business credit card basics, eligibility, rewards programs and fees, then try our Business Card Finder to match cards to your spend and perk preferences. Tables are fully filterable and swipeable on mobile. When you are ready to fund growth, you can also explore a business loan through trusted lenders across Canada.
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We’ll weight rewards to your selected profile. This keeps the layout compact and avoids confusing non-interactive chips.
Chart compares estimated first-year net value for three popular archetypes. Values are illustrative estimates based on category multipliers minus fees.
| Card | Annual fee | Purchase APR | Brand/Program | Primary perk | Insurance depth | Welcome |
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Tap headings to sort. Insurance depth is a relative score combining travel medical, device, trip and rental coverages.
Compare business loans and lines of credit from vetted Canadian lenders.
A business credit card is a revolving line used for company expenses. It separates business and personal spending, simplifies bookkeeping and can help establish business credit history. Many issuers allow multiple authorized users at no extra cost, with spending controls and exportable expense data.
Most issuers require the cardholder be a Canadian resident and the business be active and for-profit. New businesses may be underwritten on the owner’s personal credit; established firms can be evaluated on business credit, revenue and cash flow. Some industries have restrictions.
Purchase APRs commonly range from roughly 12 to 24 percent, with different rates for cash advances and balance transfers. Carrying a balance increases total cost — if you revolve frequently, prioritize lower APR over rewards.
Annual fees vary from zero to premium. Check foreign transaction fees, balance transfer fees and cash advance fees if relevant to your use case.
Match rewards to your spend mix. Travel cards bundle lounge access and insurance; cash back cards return a percentage on gas, recurring bills and office supplies; some products focus on controls and accounting integrations.
Tip — If you finance growth or carry balances, consider whether a Business Loan or Line of Credit fits better than a premium reward card.
Yes. Sole proprietors can qualify if the business is active and the owner meets the issuer’s underwriting criteria. Personal credit may be used for approval.
Some issuers may report delinquencies to personal bureaus when there is a personal guarantee. Good standing may or may not appear; check the issuer’s policy.
If you pay in full each month, rewards can be valuable. If you carry balances, prioritize a lower APR or consider a loan or line of credit to reduce interest cost.
Yes, a few products waive FX fees or support multi-currency transactions. Use the Brand and Perk filters to surface these options.
Many issuers allow multiple authorized users with spend controls and no extra fee, though policies vary. Review each product’s additional card fee line.
See business loan options alongside your card strategy.
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