Canadian Small Business Credit Card Welcome Offers

Updated on March 22, 2022

Travel Points Credit Cards (with annual fee)

American Express® AIR MILES®* for Business Card

• Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Card within your first 3 months of Cardmembership
• You can maximize your cash flow with up to 55 interest-free days and enjoy purchasing power that adjusts dynamically with Card usage
• You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind
• Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners* and 1 Mile for every $15 in Card purchases everywhere else
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• With the American Express® AIR MILES®* for Business Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history. That’s the power of a charge card
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now

 



BMO AIR MILES®† World Elite®* Business Mastercard®*


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we’ll waive the $149 annual fee for the first year!*

  • Get 1 Mile for every $12 you spend*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information


BMO AIR MILES®† Business® Mastercard®*


Welcome offer: Get 3,000 AIR MILES Bonus Miles (3,000 miles with spend hurdle of $5,000 in the first 3 months) + first year free
- Earn 1 AIR MILES Reward Mile on every $10 you spend*
- Plus – earn 1.25X the Miles when you use your card at participating Shell stations*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- Travel Protection*
- Our Liability Waiver Program protects your business against employee card abuse*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%

Apply Now



BMO Rewards® World Elite®* Business Mastercard®*


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 17.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome Offer: Get up to 70,000 BMO reward points - 50,000 points when you spend $5,000 in the first three months and an additional 20,000 points when you spend $35,000 in the first twelve months. Plus, we’ll waive the $149 annual fee for the first year.*

  • Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
  • Earn 1.5 BMO Rewards points for every $1 you spend*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information



Scotiabank Passport Visa Infinite Business card

Annual Fee: $199 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 40,000 bonus Scene+ Rewards points in your first year (that’s up to $400 towards travel)
Bonus offer broken down as follows:
- Earn 30,000 bonus Scene+ Rewards points by making at least $5,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite Business cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $60,000 in everyday net eligible purchases annually.
• Earn 1.5X the Scene+ points for every $1 spent on purchases for your business
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.


Apply Now




Travel Points Credit Cards (No annual fee)

Coming soon...

Hybrid / Flexible Points Credit Cards



American Express Business Edge™ Card 

Earn up to 67,000 welcome bonus Membership Rewards® points

  • Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership
  • Plus, earn 10x the points for every $1 spent on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks within 6 months of Cardmembership, up to a maximum of 10,000 points.
  • You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year.
  • That’s $670 in statement credits that can be reinvested in your business. 

Earn points that you can redeem in a variety of ways.

  • Earn 3x the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks when your Welcome Offer ends. Caps and other conditions may apply.
  • Earn 1x the points on all other purchases charged to the Card
  • Use points to offset business expenses. Membership Rewards® allows you to offset business expenses by covering the cost of purchases made on your Card, in full or in part.  Redeem points for statement credits and to book flights, hotels, and car rentals.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month.
  • Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Apply Now

 



Business Platinum Card® from American Express

Card Type: Card with No Pre-set Spending Limit
Annual Fee: $499 Additional Card Fee: $199 annually for Business Platinum Cards; $50 annually for Business Gold Cards
Purchase Interest: 19.99% on Flexible Payment Option limit and 30% on Due In Full balance

Earn 110,000 welcome bonus Membership Rewards® points

  • Earn a welcome bonus of 110,000 Membership Rewards® points when you spend $7,000 in purchases within the first three months of Cardmembership. That’s $1,100 in statement credits that can be reinvested in your business.

Earn points that you can redeem in a variety of ways.

  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere

  • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option.
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 19.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.

Enjoy exclusive benefits for you and your business.

  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
  • Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
  • Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Apply Now

 



American Express® Business Gold Rewards Card

Card Type: Card with No Pre-set Spending Limit
Annual Fee: $199 Additional Card Fee: $50
Purchase Interest: 19.99% on Flexible Payment Option limit and 30% on Due In Full balance

Earn up to 110,000 bonus Membership Rewards® points

  • Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.
  • Plus, earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. This could add up to 40,000 points every year.
  • That’s up to $1,100 in statement credits that can be reinvested in your business.

Earn points that you can redeem in a variety of ways

  • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere

  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option 
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 19.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Apply Now

 



RBC Avion Visa Infinite Business

Annual Fee: $175
Additional Card Fee: $75

  • Get 25,000 RBC Rewards points upon approval
  • The Avion Visa Infinite Business card is your new business partner and can help manage with your day to day.
  • Track and separate your business expenses with industry leading reporting tools and controls to simplify your day to day
  • Get more time to pay suppliers with a 21 day grace period on top of your 30 day statement-- that's 51 days
  • Get exclusive Avon Infinite privileges and benefits as a business owner
  • Earn 1.25 RBC Rewards points for every $1 spent in net eligible purchases with your credit card4. The highest earn rate on any of our business cards
  • Receive access to RBC Offers, where you can save money or earn RBC Rewards points5
  • Book any flight, on any airline at anytime7. Take a look at our Air Travel Redemption Schedule to see how you can make the most of your points!
  • Transfer your RBC Rewards points towards other eligible loyalty programs (WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonuses to the airlines several times per year!)
  • Premium suite of insurances including trip cancellation, trip interruption, travel medical, car rental insurance
  • Redeem your points toward your credit card balance using Payback with Points
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
Apply Now



Airline Credit Cards


American Express® Aeroplan®* Business Reserve Card

Card Type: Credit   
Annual Fee: $599
Additional Card Fee: $199 for Aeroplan®* Business Reserve Cards to share some of the benefits and earn Aeroplan points faster, $0 for Aeroplan®* Business Reserve No Fee Cards to earn points faster
Annual interest rate 16.99% on purchases and 21.99% on funds advances

Earn up to 110,000 Welcome Bonus Aeroplan®* points.

  • Earn 90,000 Aeroplan points after spending $7,000 in net purchases on your Card within the first three months of Cardmembership.
  • Plus, earn 10X the points on all eligible direct purchases with Air Canada®*, Air Canada Vacations®*, hotels and car rentals in your first six months of Cardmembership, up to a maximum of 20,000 points
  • Earn up to $3,100 or more in value within your first year. 

Earn Aeroplan points that you can redeem in a variety of ways.

  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals when your Welcome Offer ends.
  • Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
  • Enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight, together with up to eight companions travelling on the same reservation
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now

Hotel Credit Cards



Marriott Bonvoy™ Business American Express® Card


Card Type: Credit   
Annual Fee: $150 Additional Card Fee: $50
Annual interest rate 19.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

Earn up to 75,000 welcome bonus Marriott Bonvoy® points

  • Earn a Welcome Bonus of 65,000 Marriott Bonvoy® points after you charge $3,000 in purchases to your Card in your first three months of Cardmembership.
  • Plus, earn 5x the points for every $1 on eligible gas, travel and dining purchases in your first six months of Cardmembership, up to a maximum of 10,000 points

Earn Marriott Bonvoy points that you can redeem in a variety of ways.

  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
  • Earn 3 points for every $1 spent on eligible gas, dining and travel when your Welcome Offer ends.
  • Earn 2 points for every $1 spent on everything else
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.

  • Receive an Annual Free Night Award automatically each year after your anniversary
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now

Cash Back Credit Cards



BMO CashBack® Business Mastercard®*


- No annual fee
- Welcome offer: Get 10% cash back on gas, office supplies, and cell phone/internet bills for 3 months.*
- Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
- 0.75% cash back on all other card purchases*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- Our Liability Waiver Program protects your business against employee card abuse*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%


Apply Now