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Corporate cards & spend management
Compare modern corporate cards, cashback rewards, virtual cards, multi-currency spending and expense-management platforms. Find the right solution for your business.
10 cards in Canada
Charge & prepaid · Spending controls
Employee cards with automated spend controls
Float Charge or prepaid cards with live tracking and receipt workflows.
Eligible cashback
1%
Above C$25,000 monthly spend
Float Charge terms
15 / 30
Days, subject to approval
Essentials card fee
C$0
Monthly
Corporate charge · Spend management
Company cards with controls built for finance teams
Set per-card limits, restrict merchants and automate receipt coding.
Eligible Canadian cashback
1%
On eligible CAD and USD card spend
Free plan
CA$0
Per user a month, Canada
Personal guarantee
Not required
Canadian programme
Account-funded · Multi-currency spending
International business spending
Account-funded Visa · CAD plus 30 international currencies · 1% eligible cashback.
Eligible cashback
1%
Programme terms apply
Supported currencies
31
30 international currencies plus CAD
Foreign transaction fee
C$0
FX conversion priced separately
Prepaid corporate · Multi-currency
Cashback with no minimum spend
Corporate Mastercard with 1% cashback, CAD, USD, GBP and EUR accounts, and no personal guarantee.
Cashback
1%
On all card spend, no minimum
Monthly fee
C$0
Essentials plan
Currencies
4
CAD, USD, GBP and EUR
Corporate credit · Multi-currency
Spend in four currencies without FX fees
Settle CAD, USD, GBP and EUR balances separately, with credit limits up to $1M.
Card FX fee
0%
On CAD, USD, GBP and EUR spend
Credit limit
Up to $1M
Based on business performance
Monthly fee
C$0
Free plan available
Debit · Multi-currency
Spend straight from 20+ currency balances
Visa business debit cards with no foreign card transaction fees and built-in expense management.
Cashback
Up to 1%
Cash rebates on local CAD spend
Foreign card fees
0%
Spends from held balances
Monthly fee
CA$0
Explore plan, up to 10 spend users
Debit · Multi-currency
Hold and spend in 40+ currencies
Business debit card that spends from held balances and converts at the mid-market rate when needed.
Monthly fee
C$0
No monthly account fee
Currencies
40+
Hold and spend balances
Conversion fee
From 0.48%
CAD conversions, mid-market rate
Business credit · Cash back
No-fee cash back on everyday business costs
1.5% back on gas, office supplies, phone and internet; 1.75% at Shell; 0.75% on everything else.
Cash back
1.5%
Gas, office supplies, phone and internet
Annual fee
C$0
Additional cards free
Foreign transaction fee
2.5%
On purchases in other currencies
Charge card · Points
Flexible points with quarterly bonuses
1 Membership Rewards point per $1, plus 10,000 bonus points each quarter you charge $20,000.
Earn rate
1 pt / $1
Plus 10,000 points per $20,000 quarter
Annual fee
C$199
C$50 per additional card
Card type
Charge
Due in full each month
Business credit · Cash back
Higher cash back on common business costs
Up to 3% back on gas, restaurants, office supplies and recurring bills; 1% on everything else.
Cash back
Up to 3%
Gas, restaurants, office, recurring bills
Annual fee
C$79
C$29 per additional card
Foreign transaction fee
2.5%
On purchases in other currencies
How a card is funded affects your cash flow, your eligibility and whether anyone has to sign a personal guarantee.
You spend now and pay the balance in full at the end of each cycle. Limits are usually based on your company’s cash and revenue.
You load money first and spend it down. Easier to qualify for, with no credit, but you tie up cash in advance.
Spending draws straight from a business account, often one that holds several currencies. Useful when you pay suppliers abroad.
Every rating comes from the provider’s published terms, checked against official sources and dated. Partners and non-partners are rated the same way.
