{"id":271,"date":"2021-06-05T18:49:25","date_gmt":"2021-06-05T18:49:25","guid":{"rendered":"https:\/\/www.forwardai.com\/blog\/?p=271"},"modified":"2022-12-26T06:07:43","modified_gmt":"2022-12-26T06:07:43","slug":"best-business-credit-cards-in-canada-checklist-included","status":"publish","type":"post","link":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/","title":{"rendered":"Best Business Credit Cards in Canada [Checklist Included]"},"content":{"rendered":"\r\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg\" alt=\"Best Business Credit Cards in Canada\" width=\"653\" height=\"435\" class=\" wp-image-6020 aligncenter\" srcset=\"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg 300w, https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-1024x683.jpg 1024w, https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-768x512.jpg 768w, https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-1536x1024.jpg 1536w, https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-2048x1365.jpg 2048w, https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-360x240.jpg 360w, https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-272x182.jpg 272w\" sizes=\"auto, (max-width: 653px) 100vw, 653px\" \/><\/figure>\r\n\r\n\r\n\r\n<p><em>This article details the best business credit cards in Canada. To see the best business credit cards in the United State<\/em>s, <a href=\"https:\/\/www.forwardai.com\/knowledge-center\/blog\/forwardai-predict\/best-business-credit-cards-in-the-united-states\/\"><strong>click here<\/strong><\/a>.<\/p>\r\n\r\n\r\n\r\n<p>Looking for a credit card for your business? The research process for finding the best business credit cards in Canada can be a bit like one of those logic problems where the farmer plants a tree in a field, but you have to figure out how many apples are in the barn and which farmer owns a cow.\u00a0<em>(Don\u2019t panic, we\u2019re here to help. And we promise: There\u2019s no quiz at the end.)<\/em><\/p>\r\n\r\n\r\n\r\n<p>With higher limits than personal credit cards, business credit cards help small and medium-sized enterprises (SMEs) free up cash flow by delaying payment on day-to-day expenses until a set point each month. For the average business trying to make ends meet on operational cash flow alone, this is a fairly significant benefit.<\/p>\r\n\r\n\r\n\r\n<p>Business credit cards also help build a business credit history and they streamline expense tracking. Depending on your business, the rewards programs can also provide added perks. But, how do you know which credit card is the right one for your business?<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>What are the best business credit cards in Canada?<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>At\u00a0ForwardAI, we wanted to know, too. So, we started by visiting the three review pages that topped our search results for the best business credit cards in Canada:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>GreedyRates \u2014\u00a0<a href=\"https:\/\/www.greedyrates.ca\/blog\/best-business-credit-cards-canada\/#bmoairmilesnofeebus\" target=\"_blank\" rel=\"noreferrer noopener\">Best Business Credit Cards in Canada in 2018<\/a><\/strong><\/li>\r\n<li><strong>Ratehub \u2014\u00a0<a href=\"https:\/\/www.ratehub.ca\/credit-cards\/business\" target=\"_blank\" rel=\"noreferrer noopener\">Best Business Credit Cards in Canada<\/a><\/strong><\/li>\r\n<li><strong>RedFlagDeals \u2014\u00a0<a href=\"https:\/\/creditcards.redflagdeals.com\/t\/Business-Credit-Cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">Business Credit Cards<\/a><\/strong><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>We also asked our CEO, Nick Chandi for his thoughts on choosing the best business credit card. He said:<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\r\n<p>\u201cBest is subjective. There\u2019s no single make or break variable. Some business owners may want travel rewards. Others, like myself, prefer cash back. It\u2019s a matter of what\u2019s best for each business.\u201d<\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<p><em>(We knew you\u2019d pick the money, Nick.)<\/em><\/p>\r\n<p>&nbsp;<\/p>\r\n<p><strong><em>Read more:<a href=\"https:\/\/www.forwardai.com\/knowledge-center\/blog\/forwardai-predict\/10-best-businesses-for-cash-flow\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\"> The 10 best businesses for cash flow.<\/a><\/em><\/strong><\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>The top three business credit card brands in Canada<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>After comparing the tables from each of the sites above, we found that brand-wise, the top three business credit card in Canada are American Express\u00ae, Mastercard\u00ae and Visa\u00ae. In most cases, American Express offers its cards directly, while Mastercard and Visa are available through several Canadian banks.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>How do the best business credit cards in Canada compare against each other?<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>The best ways to show a comparison is to create a table, which is exactly what we did. We took the best business credit cards in Canada from each of the top comparison sites and compiled them into this table.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Table: The best business credit cards in Canada<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Our table comparing the best business credit cards in Canada is organized alphabetically by brand. It includes links to each brand\u2019s or issuer\u2019s main website as well as links to details for each individual card.<\/p>\r\n\r\n\r\n\r\n<p>There\u2019s a lot to compare and consider when choosing a credit card for your business. This is why we\u2019ve also created a checklist with questions to ask and variables to consider. You\u2019ll find it right below the table.<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-group\">\r\n<div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\r\n<figure class=\"wp-block-table is-style-stripes\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong><a href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/carddetails\" target=\"_blank\" rel=\"noreferrer noopener\">American Express<sup>\u00ae<\/sup><\/a><\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/carddetails\/cards\/small-business-gold-card\" target=\"_blank\">Business Gold Reward Card<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Charge card (Balance must be paid in full each month.)<br \/><br \/><strong>Rewards:<\/strong>\u00a01 point for every $1 in purchases and 1\u00a0extra point\u00a0for every $1\u00a0in eligible purchases from your choice of 3 participating\u00a0<strong><a rel=\"noreferrer noopener\" href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/businessgold\/rewards\" target=\"_blank\">vendors<\/a><\/strong>.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0$50 each<br \/><br \/><strong>Interest:<\/strong>\u00a030% annual interest rate for balances not paid in full.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0$250<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a030,000 points with $5,000 in purchases in the first 3 months.<br \/><br \/><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/carddetails\/cards\/small-business-platinum-card\" target=\"_blank\">Business Platinum Card<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Charge card (Balance must be paid in full each month.)<br \/><br \/><strong>Rewards:<\/strong>\u00a01.25 points for every $1\u00a0in purchases.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0$199 each<br \/><br \/><strong>Interest:<\/strong>\u00a030% annual interest rate for balances not paid in full. | 55-day\u00a0<strong><a rel=\"noreferrer noopener\" href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/Resources\/CashFlow\" target=\"_blank\">grace period<\/a><\/strong>.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0$499<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a040,000 points with $5,000 in purchases in the first 3 months.<br \/><br \/><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/carddetails\/cards\/american-express-airmiles-for-business-card\" target=\"_blank\">AIR MILES<sup>\u00ae<\/sup>\u00a0for Business<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Charge card (Balance must be paid in full each month.)<br \/><br \/><strong>Rewards:<\/strong>\u00a0Earn 1 mile for every $10 in purchases from participating vendors and 1 mile for every $15 in other purchases.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0$50 each<br \/><br \/><strong>Interest:<\/strong>\u00a030% annual interest rate for balances not paid in full.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0$180<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a02,000 miles with $5,000 in purchases in the first 3 months.<br \/><br \/><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/smallbusiness.americanexpress.com\/ca\/en\/carddetails\/cards\/bgam\" target=\"_blank\">AIR MILES<sup>\u00ae<\/sup>\u00a0Gold<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit card<br \/><br \/><strong>Rewards:<\/strong>\u00a01 mile for every $15 in purchases from participating vendors and 1 mile for every $20 in other purchases.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free (Misuse protection not included.)<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 19.99% | Advances 22.99% | Missed payments 23.99% and\/or 26.99%.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0None<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a0150 miles with $1,000 in purchases in the first 3 months.<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Mastercard<sup>\u00ae<\/sup><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.bmo.com\/main\/business\/credit-cards\/\" target=\"_blank\">BMO<sup>\u00ae<\/sup><\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.bmo.com\/main\/business\/credit-cards\/bmo-rewards-business-mastercard\/\" target=\"_blank\">Rewards<sup>\u00ae\u00a0<\/sup>Business Mastercard<sup>\u00ae<\/sup><\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a03 points for every $1 you spend on gas, office supplies and cell phone\/internet bill payments. Earn 1.5 points for other expenses.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 14.99% | Cash advances 22.99% | 25-day grace period.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0$120<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a035,000\u00a0points after you spend $5,000 in the first 3 months. Plus, no annual fee for 1 year.<br \/><br \/><a rel=\"noreferrer noopener\" href=\"https:\/\/www.bmo.com\/main\/business\/credit-cards\/bmo-airmiles-business-mastercard\/\" target=\"_blank\"><strong>AIR MILES<sup>\u00ae<\/sup>\u00a0Business Mastercard<sup>\u00ae<\/sup><\/strong><\/a><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a01 mile for every $10 in purchases and 1.5 miles for every $1 spent at Shell\u00ae.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 19.99% | Cash advances 22.99% | 25-day grace period.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0$120<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a0Up to 3,000 miles after you spend $5,000 in the first 3 months. Plus, no annual fee for 1 year.<br \/><br \/><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.bmo.com\/main\/business\/credit-cards\/bmo-cashback-no-fee-business-mastercard\/\" target=\"_blank\">CashBack<sup>\u00ae\u00a0<\/sup>Business Mastercard<sup>\u00ae<\/sup><\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a01.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments. | 1.75% cash back at Shell\u00ae. | .75% cash back on other purchases.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 19.99% | Cash advances 22.99%. | 25-day grace period.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0None<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a06% cash back\u00a0on gas, office supplies and cell phone\/internet bills for 4 months.<br \/><br \/><a rel=\"noreferrer noopener\" href=\"https:\/\/www.bmo.com\/main\/business\/credit-cards\/bmo-airmiles-no-fee-business-mastercard\/\" target=\"_blank\"><strong>AIR MILES<sup>\u00ae<\/sup>\u00a0No-Fee Business Mastercard<sup>\u00ae<\/sup><\/strong><\/a><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a01 mile for every $20 in purchases and 1.25 miles for every $1 spent at Shell\u00ae.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 19.99% | Cash advances 22.99% | 25-day grace period.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0None<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a0500 bonus miles\u00a0after the first purchase.<br \/><br \/><a rel=\"noreferrer noopener\" href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/index.html\" target=\"_blank\"><strong>RBC<\/strong><\/a><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/small-business-credit-cards\/business-cash-back-mastercard.html\" target=\"_blank\">Business Cash Back Mastercard<sup>\u00ae<\/sup><\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a01% cash back on eligible purchases. | Save 3\u00a2\/L on fuel and earn 20% more Petro-Points\u00a0at Petro-Canada locations.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 19.99%<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0None<br \/><br \/><strong>Welcome Bonus:<\/strong>\u00a02% cash back on eligible purchases for the first 3 months.<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Visa<sup>\u00ae<\/sup><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.cibc.com\/en\/small-business\/credit-cards.html\" target=\"_blank\">CIBC<\/a><\/strong><br \/><br \/><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.cibc.com\/en\/small-business\/credit-cards\/bizline-visa.html\" target=\"_blank\">bizline<sup>\u00ae<\/sup>\u00a0VISA<sup>\u00ae<\/sup>\u00a0Card<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a0None |\u00a0<br \/><br \/><strong>Selling Point:<\/strong>\u00a0Up to $50,000 credit limit.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Between CIBC Prime Rate +1.5% and Prime Rate +13%.<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0None<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a0None<br \/><br \/><a rel=\"noreferrer noopener\" href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/index.html\" target=\"_blank\"><strong>RBC<\/strong><\/a><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/small-business-credit-cards\/visa-business.html\" target=\"_blank\">VISA<sup>\u00ae<\/sup>\u00a0Business Card<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a0None | Save 3\u00a2\/L on fuel and earn 20% more Petro-Points\u00a0at Petro-Canada locations.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0$12<br \/><br \/><strong>Interest Rate:<\/strong>\u00a0Purchases 19.99%<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0$12<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a0None<br \/><br \/><a rel=\"noreferrer noopener\" href=\"https:\/\/www.scotiabank.com\/ca\/en\/0,,565,00.html\" target=\"_blank\"><strong>Scotiabank<\/strong><\/a><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.scotiabank.com\/ca\/en\/small-business\/borrowing\/credit-cards\/visa-business-credit-card.html\" target=\"_blank\"> VISA<sup>\u00ae<\/sup>\u00a0Business Card<\/a><\/strong><br \/><br \/><strong>Card Type:<\/strong>\u00a0Credit Card<br \/><br \/><strong>Rewards:<\/strong>\u00a01% cash back on all eligible purchases.<br \/><br \/><strong>Employee Cards:<\/strong>\u00a0Free<br \/><br \/><strong>Interest:<\/strong>\u00a0Purchases 22.99% | Cash advances 22.99%<br \/><br \/><strong>Annual Fee:<\/strong>\u00a0Silver card $75 | Gold card $105<br \/><br \/><strong>Welcome Offer:<\/strong>\u00a0None<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<p><em><strong>Read More:<\/strong><\/em><span><em><strong><a href=\"https:\/\/www.forwardai.com\/knowledge-center\/whats-a-business-credit-report-and-why-you-should-care\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-wpel-link=\"internal\"> What\u2019s a Business Credit Report?<\/a><\/strong><\/em><\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<h2 class=\"wp-block-heading\"><strong>Choosing the best business credit card<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>When you visit the comparison sites and the credit card sites themselves, you\u2019ll find that you get bits and pieces of information on the best business credit cards in Canada.<\/p>\r\n\r\n\r\n\r\n<p>Once you identify your best choices, contact the credit card company and get answers to all your questions. Make sure you know exactly what you\u2019re committing to and if it\u2019s the right fit for your business.<\/p>\r\n\r\n\r\n\r\n<p>Getting your questions answered will also give you a chance to experience the provider\u2019s level of customer service. And \u2014 as a final step \u2014\u00a0don\u2019t forget to do the math.<\/p>\r\n\r\n\r\n\r\n<p>While we\u2019ve found some of the best business credit cards in Canada, what really matters is finding the one that\u2019s best for your business.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Checklist: Choosing a business credit card in Canada<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>According to the Forbes Coaches Council, asking questions represents a\u00a0<strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.forbes.com\/sites\/forbescoachescouncil\/2017\/09\/12\/how-you-can-benefit-by-asking-more-questions\/#7a5f2e152118\" target=\"_blank\">growth mindset<\/a><\/strong>. And, seriously, how else are you going ensure you understand exactly how your business credit card works? As promised, here\u2019s our checklist:<\/p>\r\n<p>&nbsp;<\/p>\r\n<p><em><strong>Read More:<a href=\"https:\/\/www.forwardai.com\/knowledge-center\/blog\/forwardai-predict\/cash-flow-consulting-in-the-real-world\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\"> A real-life cash flow case study.<\/a><\/strong><\/em><\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Do you need a business charge card or credit card?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>While a charge card has no pre-set limit, it won\u2019t let you carry a balance from one month to the next and the interest for unpaid balances is high.\u00a0 Purchases are reviewed based on your spending and payment patterns. (It\u2019s not a blank cheque.)<\/p>\r\n\r\n\r\n\r\n<p>A credit card has a set limit, but it also gives you the flexibility to carry a balance when needed. However, you\u2019ll pay interest on the outstanding amount.<\/p>\r\n\r\n\r\n\r\n<p><strong>Note:<\/strong>\u00a0If you already know that you\u2019re likely to carry a balance, consider the interest rate you\u2019ll be paying. This might either lower or\u00a0<a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/credit-cards\/choose-credit-card.html\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>outweigh<\/strong><\/a>\u00a0the value of the rewards.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Will you need employee cards?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>All of the cards listed offer employee cards. The difference is whether or not there\u2019s a fee for each card. Another question to ask is if the employee cards include misuse protection.<\/p>\r\n\r\n\r\n\r\n<p>The information for the American Express\u00ae AIR MILES\u00ae Gold Card made specific note of this exclusion. There\u2019s always a reason for this kind of thing. It doesn\u2019t hurt to ask why.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Do you want a rewards program?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Air miles, cash back and reward points are the main choices available. If you don\u2019t want a reward program at all, the CIBC Bizline\u00ae VISA\u00ae is your card.<\/p>\r\n\r\n\r\n\r\n<p>It\u2019s hard to beat cash as a reward. Just make sure you understand how the program works and if there are annual maximums for your main and employee accounts.<\/p>\r\n\r\n\r\n\r\n<p>If travel is a regular requirement, air miles might be a good fit. Some providers will let you roll over your miles into other travel programs, so check if this is a possibility.<\/p>\r\n\r\n\r\n\r\n<p>If simple reward points are your gig, make sure you know when and where you can redeem them If you have company vehicles, a few of the MasterCard\u00ae options had alliances with specific gas stations.<\/p>\r\n\r\n\r\n\r\n<p>If you\u2019re considering a cash back program, find out if you have to use a specific gas station or if any gas purchase qualifies as a business purchase.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Is there an annual fee?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Each of the top three brands of the best business credit cards in Canada has cards with and without annual fees. Find out if these fees ever increase and, if so, has this happened recently in the pasts few years?<\/p>\r\n\r\n\r\n\r\n<p>Both BMO\u00ae Rewards\u00ae and AIR MILES\u00ae Business Mastercards\u00ae wave the annual fee for the first year through introductory offers.<\/p>\r\n\r\n\r\n\r\n<p>Among the cards listed, there\u2019s no clear correlation between the annual fee and the interest rate or reward program<\/p>\r\n\r\n\r\n\r\n<p>One thing to consider \u2014 in most instances, your annual credit card fee can be claimed as a\u00a0<strong><a href=\"https:\/\/www.investopedia.com\/ask\/answers\/102814\/what-credit-card-fees-are-tax-deductible.asp\" target=\"_blank\" rel=\"noreferrer noopener\">business tax deduction<\/a><\/strong>. Interest fees can be claimed as well, but why pay extra when you don\u2019t need to? It\u2019s a cost-benefit sort of thing.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>What\u2019s the interest rate?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Make sure you know and understand what interest rate you\u2019ll pay. Verify if there are different rates for specific activities, like cash advances or late payments.<\/p>\r\n\r\n\r\n\r\n<p>If you\u2019re given an\u00a0<strong><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/credit-cards\/choose-credit-card.html\" target=\"_blank\" rel=\"noreferrer noopener\">introductory rate<\/a><\/strong>, find out how long this rate will be valid and when it\u2019ll change. Ask how often the rates change and how you\u2019ll be notified of rate increases.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Where is your business credit card accepted or not accepted?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>One of the main benefits of having a business credit card is so that you can charge all of your expenses to the same account. If your business makes regular purchases from retailers or wholesalers, make sure the brand of business card you choose is accepted at those establishments.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>What information do you need to apply?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>According to\u00a0<a href=\"https:\/\/www.ratehub.ca\/credit-cards\/business\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ratehub<\/strong><\/a>, you\u2019ll need to provide proof that your business is valid business through documents including your articles of incorporation, business license, tax assessments or financial statements.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p><em><strong>Read More:<a href=\"https:\/\/www.forwardai.com\/knowledge-center\/blog\/forwardai-predict\/the-golden-rule-separating-business-and-personal-finances\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\"> Separating Business and Personal Finances.<\/a><\/strong><\/em><\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>How long is the application process?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>If you\u2019re applying for your business credit card in anticipation of making a large purchase or using it to boost cash flow, you need to know the timeline. All the business credit card sites promote a quick approval process. But, as you know all too well, there\u2019s never a one-size-fits-all solution.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>The final step: Doing the math<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>You asked your questions, you\u2019ve got all the variables. Now you need to do the math to determine which of the best business credit cards in Canada is best for you. This example from the\u00a0<strong><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency.html\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Consumer Agency of Canada<\/a>\u00a0(FCAC)<\/strong> shows you how it\u2019s done.\u00a0<em>(Note: It also assumes you don\u2019t use your card again until the balance is paid.)<\/em><\/p>\r\n\r\n\r\n\r\n<p><strong>Step 1<\/strong>\u00a0\u2014 Calculate your average owing balance or for simplicity, pick a rounded number and estimate. For this example, we\u2019ll use $4,000.<\/p>\r\n\r\n\r\n\r\n<p><strong>Step 2<\/strong>\u00a0\u2014 Take your top credit card choices and run the numbers.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Example # 1 \u2014\u00a0Comparing business credit cards based on interest rates<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>In this example, we\u2019ll pick two basic credit cards with no rewards programs. All we\u2019ll look at is interest. While one card has a fee and the other doesn\u2019t, the difference in interest rates is enough to offset any discussion of an annual fee.<\/p>\r\n\r\n\r\n\r\n<h5 class=\"wp-block-heading\"><strong>Card # 1 \u2014\u00a0CIBC bizline<sup>\u00ae<\/sup>\u00a0VISA<sup>\u00ae<\/sup>\u00a0Card \u2014 no annual fee or rewards<\/strong><\/h5>\r\n\r\n\r\n\r\n<p>$4,000 X 14.99% = $599.60 in interest<\/p>\r\n\r\n\r\n\r\n<p><em>(At the time of publishing this article, the\u00a0<strong><a href=\"https:\/\/www.ratehub.ca\/banks\/cibc-prime-rate\" target=\"_blank\" rel=\"noreferrer noopener\">CIBC prime rate<\/a><\/strong>\u00a0is 3.7%. If you add 13%, you get 16.7%. As that\u2019s a worst-case scenario, we picked the lowest interest rate on our table 14.99% for estimation.)<\/em><\/p>\r\n\r\n\r\n\r\n<h5 class=\"wp-block-heading\"><strong>Card # 2 \u2014\u00a0RBC VISA<sup>\u00ae<\/sup>\u00a0Business Card \u2014\u00a0$12 annual fee, no rewards<\/strong><\/h5>\r\n\r\n\r\n\r\n<p>$4,000 X 19.99% = $799.60 in interest, even without the fee.<\/p>\r\n\r\n\r\n\r\n<p>$799.60 + $12 = $811.60 with the fee.<\/p>\r\n\r\n\r\n\r\n<h5 class=\"wp-block-heading\"><strong>The winner \u2014 CIBC<\/strong><strong>\u00a0bizline<sup>\u00ae<\/sup>\u00a0VISA<sup>\u00ae<\/sup>\u00a0Card based on interest rates alone.<\/strong><\/h5>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Example #2\u2014 Factoring in rewards, annual fees and welcome offers \u00a0<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>In this example, we\u2019ve picked two BMO\u00ae Mastercards\u00ae \u2014 each with the same interest rate. Because of this, the value of the rewards programs and the annual fee will be the determining factors. Additionally, both cards have welcome offers, which are also taken into consideration.<\/p>\r\n\r\n\r\n\r\n<h5 class=\"wp-block-heading\"><strong>Card # 1 \u2014 BMO<sup>\u00ae<\/sup>\u00a0AIR MILES<sup>\u00ae<\/sup>\u00a0Business Mastercard<sup>\u00ae<\/sup>\u00a0\u2014\u00a0$120 annual fee | rewards miles program<\/strong><\/h5>\r\n\r\n\r\n\r\n<p>$4,000 X 19.99% = $799.60 in interest<\/p>\r\n\r\n\r\n\r\n<p>Miles = 1 for every $10<\/p>\r\n\r\n\r\n\r\n<p>Using their calculator, if you spent $4,000 each month, in a year you\u2019d earn 7,800 points. This is enough for a trip from Yellowknife to Maui or a high-end coffee maker.\u00a0<em>(With the welcome offer, you get $3,000 miles, so maybe you can get a milk frother to go with the coffee maker or fly from Vancouver to Maui.)<\/em><\/p>\r\n\r\n\r\n\r\n<p>During the first year with no annual fee: $799.60 in interest<\/p>\r\n\r\n\r\n\r\n<p>After the first year with an annual fee: $799.60 + $120 annual fee = $919.60 in interest and fees<\/p>\r\n\r\n\r\n\r\n<h5 class=\"wp-block-heading\"><strong>Card # 2 \u2014 BMO<sup>\u00ae<\/sup>\u00a0CashBack<sup>\u00ae\u00a0<\/sup>Business Mastercard<sup>\u00ae<\/sup>\u00a0\u2014\u00a0No annual fee | cash back program<\/strong><\/h5>\r\n\r\n\r\n\r\n<p>$4,000 X 19.99% = $799.60 in interest<\/p>\r\n\r\n\r\n\r\n<p>Cash back = 1.5% on eligible purchases (6.0% for the first 4 months), 1.75% at Shell\u00ae and .75% on other purchases<\/p>\r\n\r\n\r\n\r\n<p>($3,000 X 6.0%) + ($500 X 1.75%) + ($500 X .75%) = $180 + $8.75 + $3.75 = $57.50 cash back<\/p>\r\n\r\n\r\n\r\n<p><em>(After the 6.0% intro offer expires, the rate resets to 1.5%, which equals $45 when you have $3,000 in eligible purchases.)<\/em><\/p>\r\n\r\n\r\n\r\n<p>During the welcome offer: $799.60 \u2013 $192.50 = $607.10<\/p>\r\n\r\n\r\n\r\n<p>After the welcome offer expires: $799.60 \u2013 $55.50 = $744.10<\/p>\r\n\r\n\r\n\r\n<h5 class=\"wp-block-heading\"><strong>The winner \u2014 BMO<sup>\u00ae<\/sup>\u00a0CashBack<sup>\u00ae\u00a0<\/sup>Business Mastercard<sup>\u00ae<\/sup>\u00a0hands down \u2014 even when the annual fee is waived for a year on the other card.<\/strong><\/h5>\r\n\r\n\r\n\r\n<p><em>(Now we really know where Nick was coming from in choosing cash back.)<\/em><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Our Pick: The Best Business Credit Card in Canada<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Our verdict is\u00a0<em>[insert drumroll]<\/em>\u2026 the\u00a0<strong><a href=\"https:\/\/www.bmo.com\/main\/business\/credit-cards\/bmo-cashback-no-fee-business-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">BMO\u00ae CashBack Business Mastercard\u00ae<\/a><\/strong>. Of all the reward formats, cash is the most universal. After all, a dollar equals a dollar. Point-based rewards have to be redeemed at specific locations and saving up miles is its own ball of wax.<\/p>\r\n\r\n\r\n\r\n<p>Of the three cash back cards on our list, this one beat out the others because it had the highest rate of return \u2014\u00a01.5% on eligible purchases. It had the best welcome offer along with no annual fee (ever) and it\u2019s the only cash back card with a 25-day grace period (perfect for those months when your cash flow doesn\u2019t flow quite as expected).<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Purchases and expenses are only part of your cash flow story<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>While a business credit card is a tool that can help you control how you track purchases and when you pay for expenses, it\u2019s really just one piece in the puzzle.<\/p>\r\n\r\n\r\n\r\n<p>A credit card statement only tells you what you\u2019ve spent, it doesn\u2019t give you any information on when you\u2019ve been paid. A\u00a0cash flow forecast\u00a0puts all the pieces together by looking at all the aspects of your business that affect the money flowing in and out of your business.<\/p>\r\n\r\n\r\n\r\n<p>Businesses live and die by cash flow. This is why\u00a0<strong>ForwardAI<\/strong>\u00a0is dedicated to creating tools that help businesses take charge of their cash flow and focus on growth and financial health.<\/p>\r\n\r\n\r\n\r\n<p>Are you a QuickBooks Online user?\u00a0<strong><a href=\"https:\/\/www.forwardai.com\/forwardly\">Get started<\/a><\/strong>\u00a0managing your cash flow today.<\/p>\r\n<p>\r\n\r\n<\/p>\r\n<table class=\"table-warning\">\r\n<tbody>\r\n<tr style=\"height: 44px;\">\r\n<td style=\"width: 651px; height: 44px;\"><strong>Want to get better loans for your business?<\/strong> Forwardly helps you showcase your business potential in seconds, so you can get more cash and pay less interest. <a href=\"https:\/\/www.forwardai.com\/forwardly\"><strong>Sign up now for free.<\/strong><\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n\r\n\r\n\r\n<p><em>This information does not replace the expertise that comes from working with an accountant, bookkeeper or financial professional. It is also not an advertisement or endorsement for any of the banks or credit cards name. The credit card details are valid as of the publishing of this post.<\/em><\/p>\r\n<p>&nbsp;<\/p>\r\n<p>Image: GraphicStock.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>This article details the best business credit cards in Canada. To see the best business credit cards in the United States, click here. Looking for a credit card for your business? The research process for finding the best business credit cards in Canada can be a bit like one of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-271","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Business Credit Cards in Canada [Checklist Included] - ForwardAI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Business Credit Cards in Canada [Checklist Included] - ForwardAI\" \/>\n<meta property=\"og:description\" content=\"This article details the best business credit cards in Canada. To see the best business credit cards in the United States, click here. Looking for a credit card for your business? The research process for finding the best business credit cards in Canada can be a bit like one of [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/\" \/>\n<meta property=\"og:site_name\" content=\"ForwardAI\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-05T18:49:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-26T06:07:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg\" \/>\n<meta name=\"author\" content=\"ForwardAI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"ForwardAI\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/\"},\"author\":{\"name\":\"ForwardAI\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#\\\/schema\\\/person\\\/9970d595580fb56aed244d3a949455d1\"},\"headline\":\"Best Business Credit Cards in Canada [Checklist Included]\",\"datePublished\":\"2021-06-05T18:49:25+00:00\",\"dateModified\":\"2022-12-26T06:07:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/\"},\"wordCount\":2832,\"publisher\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg\",\"articleSection\":[\"Blog\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/\",\"url\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/\",\"name\":\"Best Business Credit Cards in Canada [Checklist Included] - ForwardAI\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg\",\"datePublished\":\"2021-06-05T18:49:25+00:00\",\"dateModified\":\"2022-12-26T06:07:43+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg\",\"contentUrl\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/blog\\\/best-business-credit-cards-in-canada-checklist-included\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Knowledge Center\",\"item\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/category\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Best Business Credit Cards in Canada [Checklist Included]\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#website\",\"url\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/\",\"name\":\"ForwardAI\",\"description\":\"ForwardAI Knowledge Center\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#organization\",\"name\":\"ForwardAI\",\"url\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/forwardai-logo.jpg\",\"contentUrl\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/forwardai-logo.jpg\",\"width\":300,\"height\":53,\"caption\":\"ForwardAI\"},\"image\":{\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/#\\\/schema\\\/person\\\/9970d595580fb56aed244d3a949455d1\",\"name\":\"ForwardAI\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e3684f627bf87a14c1f25de4f158a9e80e284b51153eb83811498a5839600ba6?s=96&d=blank&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e3684f627bf87a14c1f25de4f158a9e80e284b51153eb83811498a5839600ba6?s=96&d=blank&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e3684f627bf87a14c1f25de4f158a9e80e284b51153eb83811498a5839600ba6?s=96&d=blank&r=g\",\"caption\":\"ForwardAI\"},\"sameAs\":[\"https:\\\/\\\/www.forwardai.com\\\/\"],\"url\":\"https:\\\/\\\/www.forwardai.com\\\/knowledge-center\\\/author\\\/forwardai\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best Business Credit Cards in Canada [Checklist Included] - ForwardAI","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/","og_locale":"en_US","og_type":"article","og_title":"Best Business Credit Cards in Canada [Checklist Included] - ForwardAI","og_description":"This article details the best business credit cards in Canada. To see the best business credit cards in the United States, click here. Looking for a credit card for your business? The research process for finding the best business credit cards in Canada can be a bit like one of [&hellip;]","og_url":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/","og_site_name":"ForwardAI","article_published_time":"2021-06-05T18:49:25+00:00","article_modified_time":"2022-12-26T06:07:43+00:00","og_image":[{"url":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg","type":"","width":"","height":""}],"author":"ForwardAI","twitter_card":"summary_large_image","twitter_misc":{"Written by":"ForwardAI","Est. reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#article","isPartOf":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/"},"author":{"name":"ForwardAI","@id":"https:\/\/www.forwardai.com\/knowledge-center\/#\/schema\/person\/9970d595580fb56aed244d3a949455d1"},"headline":"Best Business Credit Cards in Canada [Checklist Included]","datePublished":"2021-06-05T18:49:25+00:00","dateModified":"2022-12-26T06:07:43+00:00","mainEntityOfPage":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/"},"wordCount":2832,"publisher":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/#organization"},"image":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#primaryimage"},"thumbnailUrl":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg","articleSection":["Blog"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/","url":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/","name":"Best Business Credit Cards in Canada [Checklist Included] - ForwardAI","isPartOf":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#primaryimage"},"image":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#primaryimage"},"thumbnailUrl":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg","datePublished":"2021-06-05T18:49:25+00:00","dateModified":"2022-12-26T06:07:43+00:00","breadcrumb":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#primaryimage","url":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg","contentUrl":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2021\/06\/c-41604-1672033733912-82df6c3a792cab0c6e37cf0b7e911378-1-300x200.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.forwardai.com\/knowledge-center\/blog\/best-business-credit-cards-in-canada-checklist-included\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Knowledge Center","item":"https:\/\/www.forwardai.com\/knowledge-center\/"},{"@type":"ListItem","position":2,"name":"Blog","item":"https:\/\/www.forwardai.com\/knowledge-center\/category\/blog\/"},{"@type":"ListItem","position":3,"name":"Best Business Credit Cards in Canada [Checklist Included]"}]},{"@type":"WebSite","@id":"https:\/\/www.forwardai.com\/knowledge-center\/#website","url":"https:\/\/www.forwardai.com\/knowledge-center\/","name":"ForwardAI","description":"ForwardAI Knowledge Center","publisher":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.forwardai.com\/knowledge-center\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.forwardai.com\/knowledge-center\/#organization","name":"ForwardAI","url":"https:\/\/www.forwardai.com\/knowledge-center\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.forwardai.com\/knowledge-center\/#\/schema\/logo\/image\/","url":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2023\/10\/forwardai-logo.jpg","contentUrl":"https:\/\/www.forwardai.com\/knowledge-center\/wp-content\/uploads\/2023\/10\/forwardai-logo.jpg","width":300,"height":53,"caption":"ForwardAI"},"image":{"@id":"https:\/\/www.forwardai.com\/knowledge-center\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.forwardai.com\/knowledge-center\/#\/schema\/person\/9970d595580fb56aed244d3a949455d1","name":"ForwardAI","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/e3684f627bf87a14c1f25de4f158a9e80e284b51153eb83811498a5839600ba6?s=96&d=blank&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e3684f627bf87a14c1f25de4f158a9e80e284b51153eb83811498a5839600ba6?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e3684f627bf87a14c1f25de4f158a9e80e284b51153eb83811498a5839600ba6?s=96&d=blank&r=g","caption":"ForwardAI"},"sameAs":["https:\/\/www.forwardai.com\/"],"url":"https:\/\/www.forwardai.com\/knowledge-center\/author\/forwardai\/"}]}},"_links":{"self":[{"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=271"}],"version-history":[{"count":11,"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/271\/revisions"}],"predecessor-version":[{"id":6021,"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/271\/revisions\/6021"}],"wp:attachment":[{"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.forwardai.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}