How these scores work
Every fit score is computed from this site’s card data by a fixed, published formula: four weighted components (earn in the category, welcome bonus, annual fee, ease of qualifying) add up to 100. On this page the earn yardstick is its best business earn rate (airline, travel or office spend). Point values are the typical redemption values from our reward values reference, the same ones every other score on the site uses. Click any score to open its breakdown. The card score column beside it is a different number: how the card stands against every card of its type across seven components, from the full rankings. The two are expected to disagree, because one measures a job and the other measures the whole card. How both scores are built.
Best for flexible, transferable points
American Express Membership Rewards transfer to Aeroplan and other airline and hotel partners, so the points are not locked to one program. Best for businesses that want to keep their options open.
| # | Card | Fit score | Card score | Annual fee | Why it ranks here |
|---|---|---|---|---|---|
| 1 | American Express Business Gold Rewards Card Apply →No income gate |
57mathEarn+11.3 / 45 1x everything else × 1.5¢ = 1.5% effectiveWelcome+17.5 / 20 70,000 pts ≈ $1,050Fee+13.4 / 20 $199 annual feeAccess+15 / 15 No income requirementScore57 / 100 |
52.110th of 11 business travel | $199 | A charge card with no preset spending limit, 1x on everything. Built for high, uniform spend rather than bonus categories. |
| 2 | American Express Business Edge CardNo income gate |
55mathEarn+11.3 / 45 1x everything else × 1.5¢ = 1.5% effectiveWelcome+11.3 / 20 45,000 pts ≈ $675Fee+17 / 20 $89 annual feeAccess+15 / 15 No income requirementScore55 / 100 |
61.96th of 11 business travel | $89 | 3x Membership Rewards on restaurants, transit, and gas (up to $25K/yr), 1x elsewhere. The lowest fee here, with transferable points. |
| 3 | American Express Business Platinum Card Apply →No income gate |
49mathEarn+14.1 / 45 1.25x everything else × 1.5¢ = 1.9% effectiveWelcome+20 / 20 120,000 pts ≈ $1,800Fee+0 / 20 $799 annual feeAccess+15 / 15 No income requirementScore49 / 100 |
66.74th of 11 business travel | $799 | The $799 fee zeroes its fee score, but unlimited lounge access and statement credits can offset it for high-spending businesses. |
| 4 | RBC Avion Visa Business CardNo income gate |
46mathEarn+8.5 / 45 1x everything else × 1.14¢ = 1.1% effectiveWelcome+6.7 / 20 35,000 pts ≈ $399Fee+16 / 20 $120 annual feeAccess+15 / 15 No income requirementScore46 / 100 |
49.811th of 11 business travel | $120 | Points route to British Airways Avios, American AAdvantage and others, whichever prices the award best that day. |
Best airline business card
Co-branded cards that earn Aeroplan or WestJet directly, with airline perks like lounge access, status, and companion benefits. Best if the business concentrates its flying on one airline.
| # | Card | Fit score | Card score | Annual fee | Why it ranks here |
|---|---|---|---|---|---|
| 1 | CIBC Aeroplan Visa Business PlusNo income gate |
69mathEarn+21 / 45 2x the airline × 1.4¢ = 2.8% effectiveWelcome+17.5 / 20 75,000 pts ≈ $1,050Fee+15.4 / 20 $139 annual feeAccess+15 / 15 No income requirementScore69 / 100 |
58.88th of 11 business travel | $139 | Up to 75,000 points, 2x on Air Canada and 1.5x on business categories, two years of fee rebate. Leads the Aeroplan group. |
| 2 | American Express Aeroplan Business Reserve Card Apply →No income gate |
67mathEarn+31.5 / 45 3x the airline × 1.4¢ = 4.2% effectiveWelcome+20 / 20 90,000 pts ≈ $1,260Fee+0 / 20 $599 annual feeAccess+15 / 15 No income requirementScore67 / 100 |
70.52nd of 11 business travel | $599 | Highest airline earn at 3x on Air Canada, plus Maple Leaf Lounge access and a companion benefit. The $599 fee zeroes its fee score. |
| 3 | TD Aeroplan Visa Business CardNo income gate |
65mathEarn+21 / 45 2x the airline × 1.4¢ = 2.8% effectiveWelcome+14 / 20 60,000 pts ≈ $840Fee+15 / 20 $149 annual feeAccess+15 / 15 No income requirementScore65 / 100 |
67.23rd of 11 business travel | $149 | The same earn as CIBC at a higher fee and smaller bonus. Strong if you already bank with TD. |
| 4 | WestJet RBC World Elite Mastercard for BusinessNo income gate |
57mathEarn+22.5 / 45 3x the airline × 1¢ = 3% effectiveWelcome+5.8 / 20 35,000 pts ≈ $350Fee+14.2 / 20 $175 annual feeAccess+15 / 15 No income requirementScore57 / 100 |
61.17th of 11 business travel | $175 | 3% back in WestJet points on WestJet and business categories, automatic WestJet Silver status, and free checked bags. |
Comparing the Aeroplan business cards directly? See the dedicated ranking
TD, CIBC, and Amex Aeroplan business cards scored side by side, with the welcome bonus and fee rebate worked out.
Best for travel rewards and hotels
Flexible travel points, a hotel co-brand, and a no-foreign-transaction-fee option. Best for businesses that book travel widely rather than flying one airline.
| # | Card | Fit score | Card score | Annual fee | Why it ranks here |
|---|---|---|---|---|---|
| 1 | TD Business Travel Visa CardNo income gate |
80mathEarn+33.8 / 45 9x issuer travel portal × 0.5¢ = 4.5% effectiveWelcome+16.7 / 20 200,000 pts ≈ $1,000Fee+15 / 20 $149 annual feeAccess+15 / 15 No income requirementScore80 / 100 |
64.45th of 11 business travel | $149 | 9x on Expedia For TD and 6x on dining, transit, and recurring bills. The 9x rate applies only to Expedia; everyday earn is 2x. |
| 2 | BMO Rewards Business MastercardNo income gate |
55mathEarn+15.1 / 45 3x the airline × 0.67¢ = 2% effectiveWelcome+10 / 20 Variable or unpublished offer, scored neutralFee+15 / 20 $150 annual feeAccess+15 / 15 No income requirementScore55 / 100 |
not scored | $150 | Points redeem against any travel booking with no blackout dates or airline affiliation. First year is free. |
| 3 | Scotia Momentum for Business Visa Apply →No income gate |
55mathEarn+22.5 / 45 3% on office suppliesWelcome+0 / 20 No welcome bonusFee+17.4 / 20 $79 annual feeAccess+15 / 15 No income requirementScore55 / 100 |
not scored | $79 | 3% on gas, client meals, office supplies and recurring bills, the categories most small businesses actually spend in. |
| 4 | Marriott Bonvoy Business American Express Card Apply →No income gate |
53mathEarn+10.5 / 45 2x everything else × 0.7¢ = 1.4% effectiveWelcome+12.8 / 20 110,000 pts ≈ $770Fee+15 / 20 $150 annual feeAccess+15 / 15 No income requirementScore53 / 100 |
53.19th of 11 business travel | $150 | 5x at Marriott, 3x on gas, dining, and travel, plus an annual Free Night Award (up to 35,000 points) and Silver Elite status. |
| 5 | Scotiabank Passport Visa Infinite Business Card Apply →No income gate |
46mathEarn+11.3 / 45 1.5x everything else × 1¢ = 1.5% effectiveWelcome+6.7 / 20 40,000 pts ≈ $400Fee+13.4 / 20 $199 annual feeAccess+15 / 15 No income requirementScore46 / 100 |
73.41st of 11 business travel | $199 | No foreign transaction fee on international purchases, plus lounge access and travel insurance. The pick for businesses that buy abroad. |
Spending in foreign currency? See the best cards to use abroad
Which cards skip the 2.5% foreign transaction fee, and when paying it is still worth the points.
Common questions
What is the best business credit card in Canada?
It depends on how the business spends. For flexible, transferable points the American Express Membership Rewards cards lead our ranking, and the Business Edge is the cheapest way in: 3x Membership Rewards on restaurants, transit, and gas for an $89 fee, with points that transfer to Aeroplan and other partners. For Air Canada flyers the CIBC Aeroplan Visa Business Plus leads the airline group on a larger welcome bonus and a rebated fee. For wide travel booking the TD Business Travel Visa scores highest on its 9x Expedia earn and large opening bonus.
Do business credit cards require personal income?
Generally no. The leading Canadian business cards from American Express, TD, CIBC, RBC, BMO, and Scotiabank do not list a personal income minimum. Approval is based on business eligibility rather than a stated personal income, which is why these cards score full marks on access here. You typically need a registered business or sole proprietorship.
What is the best low-fee business credit card in Canada?
Among rewards-earning business cards the American Express Business Edge has the lowest fee at $89 a year while earning 3x Membership Rewards on restaurants, transit, and gas. The BMO Rewards Business Mastercard waives its $150 fee for the first year. Both avoid a personal income requirement and earn transferable or flexible travel points.
How are the fit scores calculated?
Each fit score is computed from this site’s card data by a fixed formula: four weighted components add to 100 (the card’s earn rate in the category being ranked, its welcome bonus value, its annual fee, and how easy it is to qualify for), with points converted at the typical redemption values on our reward values page. Every table also shows the card’s class-relative card score, which measures the whole card rather than one job. Both methods are on the methodology page.