Discover the best startup business credit cards in Canada to help grow your business with top rewards and easy approval options.
Scotiabank Passport Visa Infinite Business Card
The Scotiabank Passport Visa Infinite Business Card is one of the top startup business credit cards in Canada due to its high earning potential. Business owners can earn Scotia Rewards points on every transaction and use them for vacation, merchandise, or statement credits. Entrepreneurs benefit from Scotia Rewards bonus points on travel purchases, making it easier to earn rewards rapidly for business expenses like flights, hotels, and vehicle rentals.
This card has no foreign transaction fees, which is great for international firms who buy from foreign vendors. Unlike other cards, this card eliminates the 2.5% international transaction fee for new enterprises that do business abroad. This can save firms a lot of time, especially those just starting out.
For frequent business travelers, the Scotiabank Passport Visa Infinite Business Card offers travel incentives. Visa Airport Companion provides free entrance to over 1,200 airport lounges globally. This access allows company owners to work or relax in a quiet, comfortable location before taking flights, which is valuable. The card provides travel insurance, including trip interruption and cancellation, which is important for business travelers. This peace of mind might shield a business from travel disruptions that could affect critical meetings or deals.
In addition to rewards and travel incentives, the Scotiabank Passport Visa Infinite Business Card offers excellent purchase protection and extended warranty coverage, which firms that buy equipment or inventory need. Purchase insurance covers loss or damage to eligible card purchases, while extended warranty protection extends the manufacturer’s guarantee by one year. Small enterprises who invest heavily in tools, equipment, and technology for daily operations may benefit from this.
Business expenditure flexibility is another benefit of the card. Separating corporate and personal spending on one account simplifies bookkeeping and financial management. The Scotiabank Passport Visa Infinite company Card helps entrepreneurs coordinate their personal and company expenses. Additionally, its high credit limit makes it easy to handle significant business expenses without maxing out the card. This is great for developing firms who need a bigger line of credit for cash flow.
The 24/7 concierge service of the Scotiabank Passport Visa Infinite Business Card is very appealing. This service books trips, makes reservations, and recommends local services. This service can save startup business owners time and effort when planning a business trip or function. It’s like having a personal assistant 24/7, helping you focus on business priorities.
The Scotiabank Passport Visa Infinite Business Card, one of Canada’s top starting business credit cards, offers a large sign-up bonus. Business owners can earn lots of Scotia Rewards points by achieving the minimal spending requirements in the first three months. This perk lets entrepreneurs quickly earn rewards and use them for business travel or other purchases, recouping their card investment quickly.
The Scotiabank Passport Visa Infinite Business Card has a higher annual charge than comparable business cards, but its rewards, bonuses, and services make it worth it for many beginning business owners. The ability to collect Scotia Rewards points on all purchases, foreign transaction fee savings, travel insurance, and other benefits far outweigh the cost for firms that frequently buy or travel.
To prevent fraud, the Scotiabank Passport Visa Infinite Business Card has increased security. Business owners are not liable for illegal Visa card charges under Visa’s Zero Liability policy. For firms with several employees using the card for diverse purposes, this security might provide piece of mind.
READ ALSO: Best Startup Incubators in Canada
RBC Avion Visa Infinite Business Card
The RBC Avion Visa Infinite Business Card’s rewards system makes it stand out among startup business credit cards. This card gives 1.25 RBC Rewards points each dollar spent on approved transactions. This can mount up, especially for fledgling enterprises that spend on office supplies, travel, and other operational expenses. The RBC Avion Visa Infinite Business Card is versatile since entrepreneurs may earn benefits across a wide range of spending categories, unlike many other credit cards that focus only on office supplies or gas.
The RBC Avion Visa Infinite Business Card, one of Canada’s top startup business credit cards, lets you redeem points for a variety of prizes. Business owners can redeem points for flights, hotels, vehicle rentals, gift cards, and products. Business owners who frequently travel for meetings, seminars, and events may appreciate the Avion Travel Program’s RBC Rewards points conversion. New business owners looking to maximize spending will appreciate the RBC Avion Visa Infinite Business Card’s numerous redemption choices.
The RBC Avion Visa Infinite Business Card stands out for Canadian entrepreneurs due to its generous rewards program and other features. The premium travel insurance is a major benefit. Trip interruption, aircraft delay, lost baggage, and emergency medical treatment outside Canada are included. These travel perks can give new business owners peace of mind and financial security while extending their network and client base.
Purchase protection and extended warranty coverage are further benefits of the RBC Avion Visa Infinite Business Card. These perks cover qualifying purchases in case of loss or damage and provide extended warranty protection for card transactions. This is especially helpful for entrepreneurs buying expensive equipment or other business requirements that need extra protection.
VIP customer service distinguishes the RBC Avion Visa Infinite Business Card. RBC’s specialist business support helps business owners address difficulties and manage their accounts swiftly. Customer service makes this card one of the finest starting company credit cards in Canada, whether you need help lowering credit limits, maximizing rewards, or handling an urgent business concern.
New firms must manage cash flow, and the RBC Avion Visa Infinite Business Card helps. Tracking and categorizing spending makes corporate expenses easier with the card. Startup owners refining their finance strategies can benefit from this. The card also offers cost management tools and data to simplify tax preparation and budgeting.
The card has a high annual charge, but most business owners find the benefits and rewards worth it. This card is a terrific investment for companies that can use its premium insurance coverage, flexible travel rewards program, and 1.25 RBC Rewards points per dollar spent. Due to its increased credit limit and ability to earn points on business spending, the card can become a crucial tool for developing businesses.
For Canadian entrepreneurs, the RBC Avion Visa Infinite Business Card has additional perks for developing businesses. The card enables multiple users, so business owners can provide cards to employees or partners to manage team spending and track department transactions. This is great for companies trying to grow while adhering to company regulations on business spending.
READ ALSO: Best CRM for Startups in Canada
BMO Air Miles Business Mastercard
Cash flow is crucial for many organizations, especially startups, and the BMO Air Miles Business Mastercard offers a unique approach to improve it. Earning Air Miles reward miles on every purchase makes this card stand out. Business owners who travel or want to cut costs may find these miles appealing because they may be redeemed for travel, retail, and even financial products. Startups can use daily company spending to earn Air Miles for future business benefits.
When choosing the best startup business credit cards in Canada, rewards on various spending categories are vital. Entrepreneurs can earn Air Miles on office supplies, marketing, business travel, dining, and entertainment with the BMO Air Miles Business Mastercard. Startups that need to control several costs benefit from this reward-earning potential flexibility. The card’s flexibility lets firms maximize expenditure regardless of industry or niche.
The initial bonus is another BMO Air Miles Business Mastercard selling factor. After making a certain number of purchases in the first several months of account activation, new cards generally receive a large Air Miles welcome bonus. This can enable firms swiftly earn miles for free flights, hotel stays, or other benefits that promote operations and employee morale. Every perk matters for a startup, and this bonus is a wonderful way to start using a business credit card.
It also has several business-related characteristics that make it a top Canadian startup business credit card. The capacity to separate personal and corporate costs is crucial. Startups may better manage their money, file taxes, and track business spending with this separation of bookkeeping and accounting. Financial planning and growth require clear and distinct business records, which the BMO Air Miles Business Mastercard may assist preserve.
The BMO Air Miles Business Mastercard gives startups strong insurance coverage and easy financial administration. The card’s travel insurance benefits protect business travelers from trip cancellations, delays, and luggage loss. Startups with limited funds for unexpected expenses may benefit from this coverage.
The card’s annual cost is another draw, especially compared to Canadian business credit cards. Startups can save money and get a lot of benefits with the BMO Air Miles Business Mastercard’s low annual fee. Startups must limit operational costs, and this card’s affordable fees help them get the most out of their investment.
Employee cards are available on the BMO Air Miles Business Mastercard for entrepreneurs with growing businesses. Businesses can consolidate their spending on one account and earn Air Miles on employee purchases. This streamlines expense management and increases reward prospects for businesses with small teams. The card helps business owners manage finances by combining expenditures and streamlining payments.
Another reason the BMO Air Miles Business Mastercard is one of Canada’s top startup business credit cards is its connection with BMO’s digital banking services. The card gives access to tools and services to simplify business finances. Detailed transaction histories, mobile app functionality, and incentive mile tracking are included. Busy entrepreneurs can focus on building their firm instead of administrative work using these digital resources.
Canadian small business owners need a business credit card with real advantages and rewards. BMO Air Miles Business Mastercard is ideal for this. It allows entrepreneurs to earn rewards on a variety of expenditure categories, ease financial administration, and get business travel insurance. Its reputation as one of Canada’s best startup business credit cards shows its capacity to suit entrepreneurs’ different needs in today’s competitive market.
READ ALSO: Best Startup Business Loans in Canada
American Express Business Edge Card
The rewards program on the American Express Business Edge Card makes it one of the top startup business credit cards in Canada. The card offers accelerated points on office supplies, advertising, and travel. Entrepreneurs can earn 3 points per dollar spent on these categories, greatly increasing the value of daily business spending. Along with bonus categories, cardholders earn 1 point every dollar spent on all other transactions, so businesses may quickly gain points on almost every transaction.
Maximizing rewards helps new business owners manage cash flow and optimise resources. Business owners can redeem American Express Business Edge Card points for travel, gift cards, and statement credits. Startups benefit from this flexibility since entrepreneurs can use the rewards to satisfy their most pressing needs, such as business meeting travel or productivity tools.
The card also has a big welcome bonus, which is important when choosing the top starting company credit cards in Canada. First-time cardholders can earn a lot of points by spending a lot in the first few months. A new firm may require a financial boost, and this bonus lets them start earning rewards right away. American Express Business Edge Card excels in the instant value of this welcome incentive, which is important for entrepreneurs choosing a credit card.
The American Express Business Edge Card’s business tools and expenditure control capabilities make it ideal for entrepreneurs. The card offers reporting features to track corporate spending, categorize expenses, and provide thorough reports. This function is essential for small business owners who want to organize and improve financial management. The American Express Business Edge Card helps entrepreneurs make informed decisions and manage their finances by showing where and how money is spent.
This card offers extensive travel insurance, which is great for firms that travel frequently. Insurance covers trip interruption, lost baggage, and automobile rental damage. As many startups have tight schedules and must travel for meetings or conferences, these safeguards give piece of mind and can save money in the event of unanticipated occurrences. These features can make an already strong card offering even more appealing for entrepreneurs who travel frequently to expand their firm.
Business owners value the American Express Business Edge Card’s customer care and assistance. American Express has excellent customer service, which is especially important in the early phases of a firm. Cardholders may expect fast, professional help with billing, charges, and incentives, so they can focus on expanding their business rather than administrative difficulties.
There are many starting business credit cards in Canada, but the American Express Business Edge Card is unique because it caters to small business entrepreneurs. Its amazing rewards program, superb customer care, and broad business capabilities make this card a top choice for entrepreneurs who want to optimize their spending power from the start.
American Express also provides other perks for startups. The card offers extended warranty protection, which is essential for startups that buy equipment and supplies. Providing supplementary warranty coverage for certain purchases can save a business money over time, especially if they are essential. Purchase protection covers businesses if things are destroyed or stolen after purchase.
Compared to other Canadian startup cards, the American Express Business Edge Card offers a balanced package of rewards, incentives, and flexibility. Its incentives on business needs, complete insurance coverage, and expenditure management features make it ideal for entrepreneurs that want to optimize every dollar spent. This card helps entrepreneurs manage cash flow, earn incentives, and obtain vital financial support, making it more than a payment card.
READ ALSO: Best Startup Job Sites in Canada
TD Business Travel Visa Card
A strong rewards program makes the TD Business Travel Visa Card one of the top starting business credit cards in Canada. All purchases earn entrepreneurs TD Points, which can be redeemed for travel, goods, and gift cards. These points help reduce the cost of business visits for busy business owners by offsetting business-related travel expenses including flights, hotels, and car rentals. These rewards allow businesses that frequently travel to meet clients or attend events to reinvest in growth at a low cost.
TD Business Travel Visa Card new cardholders get a good introductory offer and rewards program. Bonus TD Points are generally given following a certain number of transactions in the first few months after account opening. This form of campaign helps startups quickly earn awards that may be redeemed for business needs. The card’s structure helps businesses maximize spending from the start, ensuring that every dollar spent grows their firm.
Business credit is built well with the TD Business Travel Visa Card. Startup founders can better oversee costs and cash flow by separating their personal and corporate money with a business credit card. Responsible card use and timely payment can also boost the business’s credit score, which is essential for future funding. Startups need good business credit to get larger loans, better financial terms, and vendor and supplier trust.
Travel perks make the TD Business Travel Visa Card one of the top startup business credit cards in Canada. The card offers travel injury, flight delay, and trip cancellation insurance in addition to TD Points. These insurance alternatives help businesses secure their finances if something goes wrong while traveling for work. These travel protections might let entrepreneurs focus on their business rather than worrying about travel disruption fees in an unpredictable world.
Startups worry about cash flow, but the TD Business Travel Visa Card has various features to help. Business owners can pay off their card amount without interest for 21 days. This can help optimize cash flow while allowing for credit purchases by balancing income and expenses.
TD company Travel Visa Card is a comprehensive solution for controlling company spending. Startup owners may track and control spending across departments or team members with this card’s detailed monthly statements, internet banking, and flexibility to issue more cards to staff. This can simplify resource allocation and budgeting for business operations.
Customer service and assistance make the TD Business Travel Visa Card one of Canada’s top starting business credit cards. Entrepreneurs can obtain 24/7 help with lost or stolen cards, disputes, and account management from TD. For busy startup entrepreneurs, 24/7 help can be vital for business and financial management.
A company credit card like the TD company Travel Visa Card can help Canadian entrepreneurs get financing. company owners can make strategic decisions that boost profits by earning incentives on common company expenditures, enjoying travel benefits, and building credit. The card’s extensive features make it a top pick for individuals seeking to maximize resources and build their business in a competitive market.