★ BUSINESS CREDIT CARDS · CASHBACK BY YOUR SPENDING
$1,000+/yr in cashback. If you pick the right card.
Top Canadian business cards earn 1.5-5% across different categories. Your optimal card depends on whether you spend on Google Ads, SaaS, gas, recurring bills, or travel. Slide your spending below — we'll rank cards by net annual earnings.
★ YOUR MONTHLY SPEND ★
Adjust your business spending
YOUR MONTHLY TOTAL$8,000= $96,000/year in spending
★ RANKED BY NET ANNUAL EARNINGS ★
For your spending pattern
★ BEST
Amex Business Platinum
ANNUAL FEE$799
GROSS EARNINGS$3,840
NET EARNINGS / YEAR$3,041
#2
Amex Business Gold
ANNUAL FEE$199
GROSS EARNINGS$3,096
NET EARNINGS / YEAR$2,897
#3
Amex Business Edge
ANNUAL FEE$99
GROSS EARNINGS$1,608
NET EARNINGS / YEAR$1,509
#4
BMO World Elite Business
ANNUAL FEE$169
GROSS EARNINGS$1,440
NET EARNINGS / YEAR$1,271
#5
Scotia Momentum for Business
ANNUAL FEE$79
GROSS EARNINGS$1,224
NET EARNINGS / YEAR$1,145
#6
RBC Avion Visa Business
ANNUAL FEE$175
GROSS EARNINGS$1,320
NET EARNINGS / YEAR$1,145
★ YOUR OPTIMAL CARD ★
Amex Business PlatinumEarns $3,041/yr net after the $799 fee
At your spending mix, this card outperforms the others by $144 per year. The difference compounds — over 5 years that's $720 more cashback.
★ WHY BUSINESS CARDS BEAT PERSONAL ★
3 unique benefits
01
Higher credit limits
Business cards typically have 2-5× higher limits than personal cards. Useful for monthly ad spend or recurring SaaS bills.
02
Separate from personal credit
Business card history builds business credit profile. Doesn't affect personal utilization or score.
03
Better expense tracking
Most business cards integrate with QuickBooks, Xero, Wave. Categorized transactions = easier bookkeeping.