Best business credit cards in Canada for 2019 award seal

If you're a small business owner, you know that every little bit helps, especially if your work is rather seasonal. When you're in between busy periods, extra savings definitely come in handy and often makes a big difference.

This is why you should consider getting a business credit card. Get some great rewards for making purchases for your business, increase your savings, and get that little bit of extra wiggle room you've been craving for your business.

Or, depending on the card you decide to go with, reward yourself for all your hard work with what you earned. The choice is yours.

There's also some great features that only come with a business card, such as:

  • protection from employee card abuse,
  • access to business and expense management tools, and
  • extended payment options.

There are plenty of great small business cards out there, and here are some of our favourites.

Best business credit cards for 2019

For all the best business cards for 2019, look no further.

Best business credit card Scotiabank GM Business Visa
Best travel business card Marriott Bonvoy Business American Express Card
Best cash back business card Scotiabank Momentum Business Visa
Best Mastercard business card BMO AIR MILES Business Mastercard
Best no fee business card BMO CashBack Business Mastercard

Review all 10 top business credit cards here.

Best business credit card

If you're simply looking for the best business rewards you can get for your business, you can't go wrong with the .

While the rewards can only be used towards the purchase or lease of a new GM vehicle, they accumulate quickly:

  • 5% in GM earnings on the first $10,000 in spend, and
  • 2% after $10,000 in spend.

The rewards add up quick with this card. If you need a new company vehicle for your business, this can be a great way to put a dent in your costs.

This card comes with an annual fee of $79.

Best travel business credit card

While not in our table, the is a card for you to consider.

It starts with a great welcome bonus – up to 50,000 points when you spend $1,500 in the first 3 months. This is enough points to get 3 free nights at a category 2 hotel at Marriott properties.

And piling up points doesn't end with the welcome bonus – keep earning points with these great earn rates:

  • 5 points per $1 spent at Marriott properties,
  • 3 points per $1 spent on gas, restaurants and other travel purchases, and
  • 2 points per dollar everywhere else.

It doesn't end there. With this card comes great Marriott Bonvoy perks as well:

  • automatic Silver Elite Status,
  • a free night voucher for up to a category 5 hotel awarded every card anniversary,
  • upgrade to Gold Elite status when you spend $30,000 per year, and
  • 15 Elite Night Credits each calendar year that can be used towards attaining the next level of Elite status.

These perks are really what makes this card stand out over other business travel cards. Use the free nights and points to lower your business costs, or treat yourself to a little getaway paid for by your business spending.

And with super flexible points that can be used for free hotel nights, transfer to over 40 airline partners or book cars and flights directly through Marriott, there's a great way to use your points.

Either way, this is a great card to carry. All for an annual fee of $150.

Best cash back business credit card

If cash rewards are more your thing, then the offers cash back on a variety of basic purchases:

  • 3% on gas, restaurants, office supplies & recurring bill payments, and
  • 1% on all other purchases.

That's 4 different 3% earn rate categories that cover a lot of basic business expenses you may run into.

Plus, as part of signing up, get 10% cash back on all of your purchases you make on the first $2,000 in spend (must be made in the first 3 months).

For an annual fee of $49, this card provides a great way to cash back on your business purchases.

Best Mastercard business credit card

The is a top contender as well if you're looking for a business Mastercard

Why this card? It has a great combination of rewards, sign up bonus, and insurance.

Earn 1 AIR MILE for every $10 you spend, plus get 25% more AIR MILES at Shell locations. These are the best earn rates for any AIR MILES Card.

As part of signing up, you'll get up to 3,000 AIR MILES – 1,000 miles after making your first purchase, and another 2,000 after spending $5,000 in the first 3 months.

To top it off, the card comes with 13 different types of travel and purchase insurance, including rare personal effects insurance

Add it all up, and you get one of the best small business cards available. All for an annual fee of $120, which is waived for the first year.

Best no fee business credit card

Prefer not to pay an annual fee? Then we recommend the .

For no annual fee, it offers some great earn rates on business essentials:

  • 1.75% at Shell stations,
  • 1.5% at other gas stations and office supplies stores, and on recurring cell phone and internet bills, plus
  • 0.75% on everything else.

No annual fee and earn rates for several categories above 1.5% = a great no fee card for your business.

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