Best Travel Business Credit Card In Canada For 2026
A data-driven breakdown of the best travel business credit cards in Canada
Canada's best travel business credit card is the RBC Avion Visa Infinite Business. The CIBC Aventura Visa Card for Business and Marriott Bonvoy Business American Express Card are two other top choices in this category.
| Credit cards | Annual fee | Average earn rate | Insurance coverage | Welcome offer | |
|---|---|---|---|---|---|
| #1 | RBC Avion Visa Infinite Business | $175 | 2.91% | 12 types | 25,000 bonus points (terms) |
| #2 | CIBC Aventura Visa Card for Business | $120 | 2.58% | 8 types | Up to 100,000 bonus points (terms) |
| #3 | Marriott Bonvoy Business American Express Card | $150 | 2.38% | 9 types | Up to 60,000 bonus points (terms) |
Our data-driven analysis indicates that the very best business credit cards in this category have high return rates, offer extensive insurance, provide access to airport lounges, and participate in highly valuable rewards programs.
In this article, we review these and a few other recommended travel business cards and offer guidance for those choosing their own such card. There's also a detailed explanation of the differences between business and corporate cards, step-by-step instructions for applications, and more.
Key Takeaways
- The best travel business credit card in Canada is the RBC Avion Visa Infinite Business, followed by the CIBC Aventura Visa Card for Business, and then the Marriott Bonvoy Business American Express.
- Travel business credit cards earn points on work expenses that you can redeem on travel but they tend to have low earning power and high annual fees.
- The best travel business card for you, your business, and your employees is one that rewards your biggest work expenditures.
The best travel business credit cards in Canada
Our Gold award for the #1 travel business card in Canada goes to RBC Avion Visa Infinite Business due to its amazing insurance package, lucrative rewards program, and multiple high-value perks.
Our Silver award goes to CIBC Aventura Visa Card for Business for its unique choice of a higher annual fee in return for lower interest rates, plus its high earn rate.
And our Bronze award goes to the Marriott Bonvoy Business American Express Card, which offers hotel rewards and an incredibly high number of supplemental cards.
If avoiding foreign exchange (FX) fees is important to you, the Scotiabank Passport Visa Infinite Business Card is your best choice. Those who prefer travelling in luxurious comfort will do best with the American Express Aeroplan Business Reserve Card, the best travel business card for premium perks.
The #1 best travel business credit card in Canada: RBC Avion Visa Infinite Business
The RBC Avion Visa Infinite Business packs in a lot of value for a competitive $175 annual fee, and one of its most impressive features is its generous insurance package. It offers 12 different types of coverage, including travel essentials like emergency medical coverage, trip cancellation, and lost/stolen baggage insurance. Plus, users over the age of 65 receive three days of emergency medical coverage, with no dollar limit – something that's almost unheard of with travel cards.
As the name suggests, this business card earns very valuable Avion points. The best redemption option is to use the Air Travel Redemption Schedule, which has an average value of 2.33 CPP. But transferring points to airline partners (up to 1.75 CPP) or making charitable donations (1 CPP) are also strong options.
Visa Infinite credit cards make excellent travelling companions thanks to their robust benefits. Cardholders can access exclusive events through the Dining Series, enjoy complimentary upgrades at properties in the Luxury Hotel Collection, and access 1,300+ airport lounges in the DragonPass network for US$37 per visit.
Best travel business card silver winner: CIBC Aventura Visa Card for Business
The CIBC Aventura Visa Card for Business earns Aventura rewards, a flexible rewards program with several redemption choices that provide values up to 2.29 CPP, though the average value is 1.96 CPP. With an average earn rate of 2.58%, cardholders can rack up points pretty quickly.
A surprising feature of this card is the option to pay a higher annual fee in exchange for lower interest rates. Pay the usual $120 fee and get 19.99% purchase and 21.99% cash advance rates. But if you choose to pay $180 per year, you'll get considerably lower 12.99% purchase and 14.5% cash advance rates. The first-year fee for this card is waived for the primary user and up to three supplementary cardholders, so you have time to decide which fee structure is right for you.
Other perks include a solid welcome bonus worth up to $830 and a one-time $120 travel credit for booking travel via the CIBC Rewards Centre. It also has a robust insurance package, with 8 types of coverage, including rental car theft and damage protection that can save you hundreds of dollars per trip.
Best travel business card bronze winner: Marriott Bonvoy® Business American Express® Card
×1 Award winner 
For a competitive $150 annual fee, the Marriott Bonvoy® Business American Express® Card has quite a bit to offer, including a complimentary night’s stay per year. As long as you stay at one of the 30+ hotel chains in the Marriott Bonvoy portfolio, you can look forward to complimentary in-room Wi-Fi, room upgrades, and a late 2:00 PM checkout.
This card earns Marriott Bonvoy rewards at an average rate of 2.38%. This rewards program is an excellent choice for travellers, offering multiple high-value redemption options (though the redemption average is 1.24 CPP). With an incredible 40 airline partners available, you can choose to transfer your points at a ratio of 3:1. Plus, for every 60,000 points transferred, Marriott awards you with another 15,000 points.
The Marriott Bonvoy Business American Express Card is especially convenient for large businesses with multiple employees who need extra cards. You can have as many as 99 supplementary cards added to your account (though each one comes with a $50 annual fee).
The no-FX fee travel business card: Scotiabank Passport® Visa Infinite Business* Card
The Scotiabank Passport® Visa Infinite Business* Card offers three big selling points for frequent-flying Canadians. First, you’ll earn Aeroplan Rewards points on every purchase – at an average rate of 1.5% – to be redeemed for travel with Air Canada.
Second, you’ll be treated like a VIP when you fly. Cardholders get a complimentary Visa Airport Companion membership, which includes access to 1,000+ lounges worldwide through the LoungeKey network. You'll get six free lounge visits each year, plus a small discount when purchasing extra visits for yourself or guests.
Most notably, though, this Scotiabank card doesn't charge any foreign exchange fees whatsoever. Since the typical FX fee is 2.5%, this benefit can mean significant savings for you and your business. It's one of the reasons this card is among the best business credit cards in the country.
The best travel business credit card for premium perks: American Express® Aeroplan®* Business Reserve Card
The American Express Aeroplan Business Reserve Card's best feature isn’t the rewards, it’s the perks. In addition to annual dining, travel, and NEXUS credits, cardholders get an annual companion pass for just $99 (plus fees). 11 types of insurance coverage, exclusive Amex offers, exclusive Member Extras (discounts and statement credits via Amex Offers), and a complimentary upgrade to the Avis President's Club are also included.
Priority check-in, boarding, and baggage handling are all complimentary when cardholders fly with Air Canada. Prior to takeoff, you'll have access to Priority Pass and Maple Leaf lounges, so you can enjoy ultimate comfort while you wait.
Especially if you have multiple supplementary users, you'll also appreciate that Amex provides protection against employee misuse. There's $100,000 of coverage per user available for instances of employee misuse, termination, etc.
Compare all travel business credit cards by Genius Rating
Our Genius Rating system evaluates all
Here’s how the top travel business credit cards compare when arranged by Genius Rating:
The Genius Rating methodology
To identify the best travel business cards in Canada, we examined over 126 credit card features in seven main categories:
- Rewards: 54%
- Fees: 13%
- Insurance: 11%
- Perks: 11%
- Interest: 5%
- Approval: 3%
- Acceptance: 3%
Learn more about our Genius Rating methodology
How to choose the right travel business credit card
To choose the best travel credit card for your business, the most important factors to consider are rewards and fees. Even a card with a shockingly large annual fee can be worth the investment if it has a high earn rate and participates in a flexible, generous rewards program.
There are other features and aspects to consider, too, as explained below:
Rewards
The very best business travel cards will have high earn rates for the categories where you do most of your spending. And, of course, be sure to analyze your business needs to determine which rewards program best serves your interests. Choosing a card that earns Aeroplan points won't help your business at all if you only fly with Porter Airlines.
Though they each earn rewards with different programs, here's how the earning potential compares for the top five contenders on our business travel cards list:
Fees
There's a huge range of annual fees among travel business credit cards. The lowest on our list is $120, while the largest is a whopping $599.
But numbers can be deceiving in this case, and a huge annual fee can mean that the card offers exceptional value. It can take some time and work to determine whether a card's perks and benefits make it worth the cost, but it's worth the evaluation every time.
Keeping in mind that the CIBC Aventura Visa Card for Business offers the option of a higher annual fee in return for lower interest rates, this is how our top cards' annual fees compare:
Insurance
Travel insurance is a huge benefit offered by credit cards, especially if you plan to use the credit card to pay for travel expenses. Before choosing a business travel card, take time to inspect the types of insurance coverage offered, how comprehensive the package is, and what the maximum coverage values are.
For example, the RBC Avion Visa Infinite Business has the largest insurance package among the five best travel business cards on our list, with 12 types of coverage. The Scotiabank Passport Visa Infinite Business Card has 11 types, but includes 25 days of emergency medical coverage vs. the RBC card's 15 days. Of course, the RBC card doesn't place any limits on the dollar amount for these emergency services, while the Scotia card caps it at $1 million.
All this to say, take the time to inspect and compare insurance packages before making a final decision.
Perks
Travel cards come with plenty of perks, but you'll want to choose the one with perks that you'll actually enjoy. There's not much point in having a card that provides multiple free airport lounge visits if neither you nor your business colleagues fly anywhere, but drive instead.
This list includes many of the best and most commonly offered travel credit card perks:
- Airport lounge access: Some travel credit cards provide complimentary access to airport lounges, giving you a quiet space to relax and enjoy food before your flight. Even if your card doesn't include free passes, it may connect you to networks like Priority Pass, which offers lounge access for a fee, regardless of your ticket class.
- Concierge service: Premium travel cards often include 24/7 complimentary concierge service to help you secure event tickets, make restaurant or hotel reservations, or arrange unique travel experiences. The service itself is free, though you'll still pay for whatever you book.
- Waived foreign transaction fees: Many travel cards eliminate the standard 2.5% foreign exchange fee on purchases made outside Canada. If you travel often and rely on your card abroad, this benefit alone could save you hundreds annually.
- Free checked bags and priority services: You'll often see travel cards offer one free checked bag for the cardholder, sometimes extending this perk to anyone on the same reservation. Some also offer priority boarding and security screening at select airports, streamlining your travel experience.
- Companion vouchers: Companion vouchers are one of the most valuable travel perks from any credit card, though they may require that you reach a spending threshold. These vouchers range from completely free to requiring a set fee, but either way, they can deliver significant savings when used strategically.
Interest rates
Travel business credit cards charge interest rates that are pretty much on par with those of typical credit cards. Still, make sure you check and pay attention to these rates, especially if you're trying to save your business money.
The chart below offers a visual representation of the interest rates associated with the five best travel business cards. Remember that the CIBC Aventura Visa Card for Business provides much lower interest rates for those who choose to pay a higher annual fee, and note that both Amex cards don't offer balance transfers at all.
Approval
Business credit cards are different from traditional cards in several ways, but they, too, have income and credit score requirements for applicants. Luckily, they're often the exact same requirements as those for personal credit cards.
Many, if not most, Amex cards don't have income requirements, and the Marriott Bonvoy Business American Express Card and American Express Aeroplan Business Reserve Card are no different. They do require good credit scores, though, roughly between 660 and 724.
Here are the specific requirements of the other three cards on our list:
| Card | Income requirements | Credit score requirements |
|---|---|---|
| RBC Avion Visa Infinite Business | * $60,000 personal * $100,000 | 760 - 900 |
| CIBC Aventura Visa Card for Business | * $35,000 personal * $0 | 760 - 900 |
| Scotiabank Passport Visa Infinite Business Card | * $60,000 personal * $100,000 | 660 - 724 |
Acceptance
Especially for travel cards, acceptance shouldn't be an issue since Visa, Mastercard, and American Express credit cards are welcomed around the globe.
Unless most of your business shopping is done at Costco or Loblaws-owned stores, you shouldn't have to worry about card acceptance in Canada either. If you do primarily shop with these retailers, Amex cards won't be accepted, so it's wise to choose a card from a different issuer.
Business vs. corporate credit cards
While they might seem interchangeable, business and corporate credit cards have significant differences:
| Business credit cards | Corporate credit cards | |
|---|---|---|
| Who they’re for | Small and medium-sized businesses | Large companies with many employees |
| What they’re for | * Separating business expenses from personal ones * Building business credit * Earning rewards on spending | * Centralizing expense management * Accessing detailed expense reporting features |
| Managed by | Business owner (usually) | Finance team |
| Spending limits | Varies | Typically higher to accommodate large expenses |
| Eligibility | Depends on the owner’s credit history | Minimum annual revenue and number of employees |
Are business travel credit cards worth it?
Business travel credit cards can be worth it if you travel often for work and take advantage of the card's perks. These cards typically provide:
- Rewards for travel spending
- Expense tracking
- Extra employee cards
- Airport lounge access
- Travel insurance
- Waived foreign transaction fees
- Generous welcome bonuses
Still, the true value depends on your usage – if the rewards and perks outweigh the annual fees and interest charges, a business travel card can be a smart investment. If not, the costs may outweigh the benefits.
How to apply for a business credit card
To apply for a business credit card, follow the same four steps as applying for a regular credit card:
- Check the eligibility requirements. There’s no point in sinking your credit score by applying for a bunch of cards you don’t qualify for. For a business credit card, you’ll need a good credit score and a minimum amount of personal, household, or business income – or a minimum amount of spending per year.
- Gather your information. You’ll need the basics (such as name, address, and phone number), plus details like your business name, address, annual revenue, registration number, articles of incorporation, etc.
- Submit your application. Nowadays, you can apply for most credit cards from the comfort of your chair online, over the phone, or in person at a bank.
- Wait for approval. If approved, your new business travel credit card should arrive in the mail within a few weeks.
We suggest jotting a few notes about your benefits and rewards and sticking them in your wallet. If you know what to do, you can reap hundreds of dollars’ worth from your credit card’s perks and benefits alone.
FAQ
What is the best business credit card for travel?
The RBC Avion Visa Infinite Business is the overall best travel business credit card in Canada. It comes with an amazing insurance package that includes 12 different types of coverage and doesn't place a dollar limit on emergency medical services for seniors. As part of the Visa Infinite family, this card also offers plenty of luxurious perks.
What Canadian credit card is best for travel?
The American Express Cobalt® Card is Canada's best travel credit card. It earns American Express Membership Rewards at an average rate of 4.5%, and cardholders can redeem points for multiple high-value travel options, or choose to transfer points to one of many partner programs. The insurance package is comprehensive too, with 10 types of coverage.
Which is the best business credit card in Canada?
The RBC Avion Visa Infinite Business is the overall best business credit card in Canada as well as the top card for business travel. Its insurance package stands out among business cards, as do its generous welcome bonus (worth up to $582.5) and ability to earn flexible Avion Rewards.
Which team members should get a credit card for business travel expenses?
These cards are often shared with most employees who travel frequently for work. Sales team members who fly to meet clients are prime candidates, as are executives attending conferences, regional managers visiting branch locations, or consultants working on-site with customers. Prioritize cardholders whose roles involve regular travel expenses that can maximize the card's rewards and benefits.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 231 Canadian credit cards.
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