the catalog

cheaper business-liability aeroplan card with lounge passes and a 75k bonus.

best small-business aeroplan card per most reviewers.

big bonus, big spend requirement.

td's premium aeroplan card. lounges, priority everything, visa acceptance.

cibc's premium aeroplan card. 2027 fee tba.

lounges + companion pass. fee jumps to $799 in 2027.

business twin of the reserve with 2x hotels. same 2027 fee jump, no dining credit.

asia miles card. 1x base and 2x on fx spend that still eats a 2.5% fee. niche.

no-fee blue rewards card. 5x at partners, 0.5x elsewhere. meh.

the old air miles we, now blue points at ~0.67c. 10x at partners is the only real draw.

5x travel and 4 lounge passes, fee waived year one. bmo points don't transfer though.

bmo's $599 flex: 5x on basically everything daily plus $200 credit, but the points are weak.

free 1% on daily categories, 5% intro. that's the whole pitch.

new aug 2026: free flat 1% biz card. simple, nothing more.

$79 biz cash back: 3% gas, dining, office supply. no caps listed.

4% groceries and bills up to $25k, solid cash back if you don't care about points.

5% groceries is real but the monthly caps are tiny. $139 after year one.

canada's first world legend. no fx fee, uncapped 2% for rogers people, but $495 is a lot.

$70 nbc card with ok travel insurance. 2x groceries + dining up to $1k/mo.

porter's top card, free bags, companion pass and status, fee waived year one.

100k avion bonus with the first year free. flat 1.25x for the business.

rbc's flagship. flat 1.25x, 6 lounge passes, needs $200k income though.

no-fee starter with 1.5x on groceries, gas and streaming. fine, not exciting.

$4/month for 3x on basically all everyday spend. points are avion select though, so gift-card value.

no-fee amex with 2x on most daily stuff. better than the scene+ visa if amex works for you.

biz passport. no fx fee, 6 lounge visits, flat 1.5x scene+.

the free-bag card. first year free, 80k right now.

admirals club membership in card form. fee jumped to $695 in the aug 2026 refresh.

automatic 25k status every year, 3x on all travel.

4x auto-picks your top 2 business categories. new credits mostly offset the $375.

business coupon book with lounges. 300k bonus if you can spend $20k fast.

cheap free night card. 4x dining is worldwide now, gas is us-only.

2x on everything for $95, and the miles go 1:1 to aeroplan.

2% flat for big spenders. the fee vanishes at $150k a year.

uncapped 2% for big spenders, no fx fee. $295 fee only makes sense at volume.

5% on your top category automatically, up to 3.5% on everything if your balances are fat. $295 though.

the business csr. 200k bonus and google/ziprecruiter credits, if your company spends like a company.

free checked bag for the whole booking. first year free so it's a no-brainer trial.

business twin of delta gold. free bags, first year free.

companion cert + mqd headstart. pays off if you fly delta a few times a year.

companion cert + mqd headstart on the business side. stacks with the personal one.

sky club + first-class companion cert. earn rate is weak, it's a perks card.

200k miles bonus and sky club for the business. big spend, big payoff.

the ihg keeper. 50k night + $100 airline credit easily beat $150.

ihg business with platinum built in. free night + airline credit cover the $200.

new premium ihg card. platinum, 12x at ihg and $300 of f&b vouchers if you stay a lot.

the default united card. free bag + 2 club passes for $150 after a free first year.

business explorer. free bag, club passes, and 5k bonus miles if you hold a personal one.

the united road warrior card. $200 travelbank and 2 free bags do most of the lifting.