Credit Cards for Business Travel: Top Picks for Canadian Companies in 2025

Travelling for business is a great way to network with potential partners, connect with remote team members and expand your small business beyond borders—or simply past your city limits. If work takes your team out of town or across the globe, looking into the best business credit cards for travel is well worth it. 

Manufacturing, construction, finance and insurance companies tend to spend the most on business travel. But any company that needs to attend conferences or trade shows, hold meetings in other cities, visit production facilities or host team offsites and retreats should have business credit cards on hand to cover travel costs.

In this piece, we’ll talk about why you need to use a business credit card for travel and give you some pointers about how to select the right one. We’ve also rounded up some of the top travel cards out there to reveal the best business travel credit card for Canada.

What is a business credit card? 

A business credit card is a credit card that’s used exclusively for business-related spending. Business travel credit cards are a type of business credit card that gives you more bang for the bucks (pesos, euros, pounds, yuan or rupees) you spend when you travel. The best business travel credit cards can be used for all types of business purchases, but they also offer rewards around travel expenses such as points or cashback on transportation, hotels, meals and entertainment. Many also include built-in travel insurance and opportunities to access airport lounges or executive suites at hotels. 

Why is a business credit card important for travel expenses? 

Using a business credit card on trips helps you keep track of what you and your team spend when travelling for work. Business travel expenses, meals and entertainment can be deducted from your taxes. With a business credit card, all your eligible travel expenses end up in the same place, making it easy to accurately claim them during tax season. 

A business credit card also gives you more control over how your team spends company money while travelling. For example, Float Corporate Cards allow you to select where each card can be used and set daily or weekly spending limits. 

Which team members should get a credit card for business travel expenses? 

Ideally, everyone who takes a trip as part of their job should get a corporate card they can use to cover their eligible expenses. Paying travel costs out of pocket and waiting to be reimbursed can be stressful for your team members. With a solution like Float, team members can cover costs on the company’s dime while you make sure everyone spends only where they should.

Key considerations when choosing the best credit card for business travel expenses

You don’t necessarily have to use a business credit card that’s branded as a travel card for travelling—you can use any business credit card that works for you. Here are a few things you should keep in mind when researching the best business credit cards for travel:

• Annual fees: Do they balance out with the rewards you get? 
• Interest rate and grace period: Will they support your cash flow strategy? 
• Travel insurance: Make sure you’re covered for common issues like flight cancellation and lost baggage. 
• Points: Can you use points for more than just travel? 
• Benefits: Look for benefits that make trips more comfortable like airport lounge access, hotel upgrades and car rental discounts. 
• Partner ecosystem: Check if the airlines, hotel chains and restaurants that provide card benefits line up with your travel needs.

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Best business credit cards for travel in Canada—and beyond

Choosing the right business credit card is a challenge in a sea of options. We’ve put together a shortlist to help you find the best travel business credit card Canada has to offer.

Float Corporate Card

If you’re looking for the best credit card for business travel expenses, look no further than Float. With Float Corporate Cards, you get exceptional purchase controls, automatic receipt capture and real-time expense insights so you can track and optimize how your team spends when they travel. You can issue unlimited physical and virtual cards for your whole team. Plus, Float puts money in your pocket with 1% cashback, a total average savings of 7%, and 4% interest when you keep a cash balance in Float. 

Scotiabank® Passport Visa Infinite Business Card

With no foreign transaction fees, this card is a great option for globetrotters and companies that make international purchases. Scotiabank offers expense management tools that include employee spend controls and expense tracking, plus automatic transaction export to major accounting software. 

CIBC Aeroplan® Visa Business Card

CIBC’s card offers 1.5x points on core business purchases like dining, shipping, internet, phone and transportation. Unfortunately, you have to book with Air Canada to get the most out of this option—sorry, WestJet loyalists. You can only get up to nine additional cards.

TD® Aeroplan® Visa Business Card

The slightly better-looking cousin of the CIBC card, TD offers pretty much the same points per dollar on business purchases but delivers on expense management tools. You still have to book with good ol’ Air Canada to max out the benefits. 

RBC Avion Visa Infinite Business

If you’re looking for an airline-agnostic option, RBC’s in your corner. You can book with any airline and get access to over 1,200 airport lounges. The card doesn’t offer the highest points per dollar but what it lacks in rewards, it makes up for in spend management features, such as multiple cardholders with basic limits and reports. But you’ll need to integrate with a third-party tool for true spend control, approval workflows or receipt capture. And this option only provides up to nine additional cards.

BMO® Ascend World Elite® Business Mastercard®

The standout benefit of this card is the cashback offered on business travel purchases plus unique experiences at restaurants and tourist destinations—like private tours of Versaille. It’s a rewarding option for travel lovers, but it might not help you run your business better as it doesn’t provide expense management tools.

BMO AIR MILES® No-Fee Business Mastercard®

This minimalist option from BMO is a good choice if you frequently spend on fuel as that’s where you’ll earn the most points. The card doesn’t come with travel insurance or perks at the airport, so you’ll be roughing it like the rest of us!

American Express Business Platinum Card®

In stark contrast to the BMO option above, this AMEX card comes with high fees in exchange for a bevy of benefits, including credits towards travel purchases. Bear in mind that American Express isn’t as widely accepted as Visa and Mastercard. 

Compare business travel credit cards for Canadian companies

Card	Annual fee	Rewards	Travel insurance	Key benefits
Float Corporate Card	$0 (Unlimited Physical + Virtual cards)	1% cashback on all purchases after the first $25K of monthly spend.	X	Real-time expense tracking Receipt capture app CAD and USD card options Virtual and physical cards 4% interest on CAD and USD yield balances
Scotiabank® Passport Visa Infinite Business Card	$199 (First supplementary card free, each additional card $50 annually)	Earn 1.5 Scene+ points per dollar spent	✓	No foreign transaction fees Expense management tools Complimentary airport lounge access Benefits at participating hotels Avis® Preferred Plus membership Cashback on select purchases
CIBC Aeroplan® Visa Business Card	$180 ($50 per additional card annually)	Earn Aeroplan points on all purchases. Get 1.5–2x points per dollar spent in select categories.	✓	Free first checked bag with Air Canada Maple Leaf Lounge™ passes Avis® Preferred Plus membership Fuel savings at select gas stations
TD® Aeroplan® Visa Business Card	$149 ($49 per additional card annually)	Earn Aeroplan points on all purchases.Get 1.5–2x points per dollar spent in select categories.Earn Starbucks® Stars.	✓	Expense management tools Free first checked bag with Air Canada Maple Leaf Lounge™ passes Savings at Avis® and Budget® Cashback on select purchases
RBC Avion Visa Infinite Business	$175 ($75 per additional card annually)	Earn 1.25x Avion points per dollar spent.	✓	Expense management tools Receipt capture app Airport lounge access Discounts at Hertz® Benefits at participating hotels Fuel savings at Petro-Canada
BMO® Ascend World Elite® Business Mastercard®	$149 ($50 per additional card annually)	Earn 4x points for every dollar spent on core business purchases.	✓	Airport lounge access Fuel savings at Shell1%–25% cashback on hotels, meals and fuel from select merchants
BMO AIR MILES® No-Fee Business Mastercard®	$0 (no charge for additional cards)	Earn 1x Air Mile for every $20 spent and 1.25x Miles at Shell stations.	X	Fuel savings at Shell1%–25% cashback on hotels, meals and fuel from select merchants
American Express Business Platinum Card®	$799 ($250 per additional card annually)	Earn 1.5x points for every dollar spent.	✓	Expense management tools $200 in annual travel credits Airfare discounts Airport lounge access Benefits at participating hotels Discounts at Hertz® and Avis®

How to choose the right business travel credit card

If you’re thinking about getting a business credit card, you’ve got to get a little introspective. Pull out your journal and determine what you (and your business) really need from your card. Here are a few prompts:

1. Take a look at how you spend
   Revisit your expense reports and assess how much you’re currently spending on travel to determine whether a card’s rates and benefits support your business goals.
   
2. Understand how your team travels
   Choose a provider that offers benefits from hotels, restaurants and airlines that your team is likely to use. 
   
3. Consider who travels the most
   Think about which cards offer features that would truly benefit the frequent fliers on your team and make expense reporting easier for everyone.
   
4. Pay attention to customer service and support
   Make sure that your team members can get the help they need if something comes up during their trip, even if it’s 3:00 AM in Mumbai. 

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by Canadians, for Canadian Businesses.

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Get ready to fly with Float

With Float, you’ll never have to wade through an avalanche of expense receipts after a conference again. You can give all your team members a Float Corporate Card with set spending limits and allow them to seamlessly snap photos of their receipts on the go, so they can focus on working—and maybe having a little fun—while they’re away. 

Try Float free and say sayonara to tedious expense reports and hola to automatic approvals workflows, real-time spending insights and stress-free month-end reconciliation.

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