Business Credit Cards

Find the ideal credit card for your business. The following cards offer features tailored to business use. You can apply for these credit cards online by following the Apply Now link. All of these cards are available in Canada.

Detailed view | Quick comparison table

CIBC Aerogold® VISA® Card for Business

	Interest on:
Annual Fee $180	Purchases 16.90%1	Cash Advances 16.90%2	Balance Transfers 16.90%3

• Welcome Bonus of 15,000 Aeroplan® Miles when you use your card for the first time
• Earn 1 Aeroplan Mile for every dollar charged to the card
• Earn 1.5 Aeroplan Miles for every dollar you spend at travel establishments
• Access to every available seat on the plane, including Executive Class®
• Credit limit up to $50,000

Notes:

1. Set at one of 10.9%, 13.9% or 16.9%, depending on your personal credit bureau information.
2. Set at one of 10.9%, 13.9% or 16.9%, depending on your personal credit bureau information.
3. Set at one of 10.9%, 13.9% or 16.9%, depending on your personal credit bureau information.

More information about the CIBC Aerogold® VISA® Card for Business

National Bank of Canada MasterCard® PREMIA Business Credit Card

	Interest on:
Annual Fee $45	Purchases 18.90%1	Cash Advances 18.90%2	Balance Transfers 18.90%3

• Save with PREMIA partners - Enjoy savings and special offers at select partners
• Protect your company with PREMIA's comprehensive insurance and assistance program and
• Protection against fraudulent use by employees
• MasterCard Zero Liability
• Purchase protection - Provides coverage in case of theft or damage for a period of 90 days following the date of purchase
• Extended warranty - Doubles the original warranty period for up to one additional year
• Optional Rewards plan to reward your employees or yourself

Notes:

1. 13.90% Reduced Interest Rate Option for $60 per year.
2. 8.90% Reduced Interest Rate Option for $60 per year.
3. 8.90% Reduced Interest Rate Option for $60 per year.

More information about the National Bank of Canada MasterCard® PREMIA Business Credit Card

BMO AIR MILES MasterCard for Business

	Interest on:
Annual Fee $01	Purchases 19.50%2	Cash Advances 19.50%3	Balance Transfers n/a4

• 3 AIR MILES reward levels to choose from
• Gold - earn 1 reward mile for every $15 spent ($105 annual fee for owner card)
• Silver - earn 1 reward mile for every $20 spent ($60 annual fee for owner card)
• Bronze - earn 1 reward mile for every $40 spent (No annual fee for owner card)
• Available in Canadian or U.S. Dollar currency

Notes:

1. per year for Bronze, $60 per year for Silver, $105 per year for Gold.
2. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
3. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
4. Interest rate not mentioned on website.

More information about the BMO AIR MILES MasterCard for Business

BMO CashBack MasterCard for Business

	Interest on:
Annual Fee $01	Purchases 19.50%2	Cash Advances 19.50%3	Balance Transfers n/a

• 2 CashBack reward levels to choose from
• Premium - earn 1% CashBack ($60 annual fee for owner card)
• No Fee - earn 0.5% CashBack (No annual fee for owner card)

Notes:

1. $60 annual fee for Premium.
2. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
3. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.

More information about the BMO CashBack MasterCard for Business

RBC® VISA® Business

	Interest on:
Annual Fee $12	Purchases 19.50%	Cash Advances 19.50%	Balance Transfers n/a1

• Access your account any time, anywhere with ATM access - for withdrawals, payments and account updates
• 24-hour worldwide cash access - up to $1,000 per day
• Streamline expense management and analyze your business spending quickly with easy to understand monthly billing statements.
• Enjoy flexible payment options
• Take advantage of the exceptional savings and special offers with the VISA Savings for Business program offered by VISA Canada, for the things you need to get ahead in business

Notes:

1. Interest rate not mentioned on website.

More information about the RBC® VISA® Business

RBC® VISA® Business Platinum Avion®

	Interest on:
Annual Fee $120	Purchases 19.50%	Cash Advances 19.50%	Balance Transfers n/a1

• Receive 15,000 bonus points upon enrolment and an additional 2,500 bonus points each year at your annual renewal applied to your Visa account
• Earn 1 RBC Rewards point for every dollar you spend on the card
• Earn additional RBC Rewards points with the Rewards Network Restaurant Program
• Air travel rewards start as low as 15,000 points
• Option to transfer RBC Rewards points for Esso Extra points or Asia Miles or BA Miles

Notes:

1. Interest rate not mentioned on website.

More information about the RBC® VISA® Business Platinum Avion®

ScotiaGold Passport for Business VISA® Card

	Interest on:
Annual Fee $120	Purchases 19.50%	Cash Advances 19.50%	Balance Transfers n/a1

• Being rewarded for every dollar you spend makes good business sense
• Supplementary Cardmembers also earn Scotia Rewards points
• Benefit from a 50% reduction in the annual fee on your personal ScotiaGold Passport VISA card
• In addition to comprehensive travel insurance, save with 5% Cash Back on airline tickets, pre-packaged tours or cruises booked through our travel agency

Notes:

1. Interest rate not mentioned on website.

More information about the ScotiaGold Passport for Business VISA® Card

TD Business VISA® Card

	Interest on:
Annual Fee $50	Purchases 19.75%	Cash Advances n/a1	Balance Transfers n/a2

• Receive an enrollment bonus of 30,000 TD Points
• Simply make 10 purchases on your Card by February 15, 2010 and you’ll qualify for a $100 bonus
• Tools for Managing Business Expenses

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

More information about the TD Business VISA® Card

National Bank of Canada MasterCard® Business Card

	Interest on:
Annual Fee $0	Purchases 19.90%1	Cash Advances 19.50%2	Balance Transfers 19.50%3

• Monitor your expenses easily
• Protection against fraudulent use by employees
• MasterCard's Zero Liability

Notes:

1. 13.90% Reduced Interest Rate Option for $15 per year.
2. 8.90% Reduced Interest Rate Option for $15 per year.
3. 8.90% Reduced Interest Rate Option for $15 per year.

More information about the National Bank of Canada MasterCard® Business Card

Citi™ STAPLES® easyRewards™ Business MasterCard®

	Interest on:
Annual Fee $391	Purchases 19.99%	Cash Advances n/a2	Balance Transfers n/a3

• Earn 1% STAPLES easyRewards on every purchase - worldwide
• Earn DOUBLE (2%) STAPLES easyRewards on key business expenses like phone, utilities, Internet, as well as all Petro‒Canada™ convenience, car wash and fuel purchases
• Earn TRIPLE (3%) STAPLES easyRewards on every purchase at STAPLES and Bureau en Gros™ stores in Canada every day and up to 10X (10%) on promotional items as advertised
• Helps with cash flow with an extra 60 days on average to pay interest–free on purchases of $500 or more
• Manage and track your and your employees' expenses

Notes:

1. $9 per year for additional cards, waived for the first year.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the Citi™ STAPLES® easyRewards™ Business MasterCard®

American Express® Business Gold Rewards

	Interest on:
Annual Fee $1801	Purchases 30.00%	Cash Advances n/a2	Balance Transfers n/a3

• First year free; a savings of $180
• Earn 1 point for every dollar in purchases charged to the card
• No limit to the number of Membership Rewards® Points you can earn, plus earn up to 40,000 bonus points each year
• Earn a Welcome Bonus of 25,000 Membership Rewards points - enough for one round-trip ticket to almost anywhere in North America. Just purchse $3,000 in the first three months
• More rewards for you or your business Transfer to Aeroplan® instantly. 1 point = 1 Aeroplan® mile
• No pre-set spending limit allows your spending capacity to grow with your business

Notes:

1. No fee for the first year.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the American Express® Business Gold Rewards

American Express® AIR MILES® Gold Business Card

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• Now small business owners can carry a balance and turn business purchases into AIR MILES® reward miles. Get the purchasing power and customer support of American Express, all with no annual fee
• Earn 1 AIR MILES® reward mile for every $20 in purchases
• Receive 100 Bonus reward miles: As a special thank you, receive 100 Bonus reward miles when you use your Gold Business Card for the first time

Notes:

1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.

More information about the American Express® AIR MILES® Gold Business Card

American Express® Business Card

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• Simple, effortless way to save money on business spending. Use the no-fee American Express® Business Card for all your business purchases and you can get a substantial cash back rebate every year
• Offers the opportunity to earn a cash rebate of up to $1,250 each year - depending on your spending and the number of months you carry a balance

Notes:

1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.

More information about the American Express® Business Card

American Express® Business Platinum Card™

	Interest on:
Annual Fee $399	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• Earn 1.25 Membership Rewards points for virtually every dollar in purchases
• Transfer points to frequent flyer and loyalty programs including Aeroplan®, where 1 point = 1 Aeroplan Mile

Notes:

1. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
2. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
3. 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.

More information about the American Express® Business Platinum Card™

CIBC bizline™ VISA® Card for Small Business

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• With an interest rate as low as 1.5% above prime, and credit limit as high as $50,000, the CIBC bizline VISA Card is your connection to everything from paperclips to payroll, client lunches to accountants' bills
• Business Savings Programs
• CIBC CreditSmart™, a revolutionary array of new credit management features

Notes:

1. Interest rate will range between CIBC Prime Rate +1.5% and Prime Rate +11%, depending on personal credit bureau information.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the CIBC bizline™ VISA® Card for Small Business

Scotiabank VISA® Commercial Card

	Interest on:
Annual Fee n/a1	Purchases n/a2	Cash Advances n/a3	Balance Transfers n/a4

• One-card solution to your company's expense management needs; corporate travel, entertainment, small-dollar purchasing - it's your choice
• Complete expense management system designed for companies with chargeable expenses of $3 million or more

Notes:

1. Annual fee not mentioned on website.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.
4. Interest rate not mentioned on website.

More information about the Scotiabank VISA® Commercial Card

ScotiaLine for Business VISA® Card

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• No monthly or annual fees
• Interest rates as low as Scotiabank Prime for secured or Prime + 2.49% to Prime + 5.49% for unsecured
• Credit limit up to $50,000 unsecured or $500,000 for a secured line of credit
• Personalized VISA cards with both your personal and your business name
• Free supplementary cards and personalized cheques

Notes:

1. Secured Rate as low as 3.25%, Unsecured Rate from 4.74% to 7.74%
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the ScotiaLine for Business VISA® Card

TD Venture Line of Credit VISA® Card

	Interest on:
Annual Fee $0	Purchases n/a1	Cash Advances n/a2	Balance Transfers n/a3

• Line of credit with Visa Card convenience
• Low interest rates based on TD Prime
• Apply only once! Once you're approved, yearly renewal is automatic, with no business plan review or interview (as long as your Account is in good standing throughout the year)
• Approved based primarily on your personal creditworthiness

Notes:

1. Based on TD Prime
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

More information about the TD Venture Line of Credit VISA® Card

• Your name:
• Credit card:
• Please describe the issue: