Best non-amex business credit card

Assuming most of your spending would be in the "everything else" category (i.e., not groceries, dining, gas, etc.), I would say the Scotiabank Passport Visa Infinite Business would be a contender: https://www.scotiabank.com/ca/en/small- ... -card.html

I asked myself this question a few months ago too.

Ended up settling for the Commercial Avion card.
Flat 2% return when booking business class flights.

One of the highest mobile device insurance at $2k per cardholder

Unique insurance policy where other employees travelling on your flight ticket are covered by CC insurance, without needing to issue that employee a card.

https://www.rbcroyalbank.com/business/c ... -visa.html

Amex is still my main daily biz card, and RBC visa the secondary.

May want to look at the top Aeroplan cards. Privilege ones earn 1.25 ap points. Getting flights for business class can be 5-7% return. Used to anyway before new Aeroplan scheme.

Trouble is when you get up to 1 to 2m in points in a year. It's hard to use them. Trying to get flights when you actually have time to go somewhere.. Doesn't always jive.

Also if it's business spending don't do cash back, lookup the rules on taxes. You can't take cash or cash equivalents as easily as you can points.

We did a full trip on points. Aeroplan for flights and Marriott for hotel. Flight was ok. The hotel was nice but totally out of the main busy area of Valencia Spain which felt like we vacationed in Hamilton.. (no offence) but was super quiet and suburbs like.

It'd be nice if any decent all inclusive or holidays could be booked at a decent return with points. Ie not 1%

shylok wrote: ↑[snip]

May want to look at the top Aeroplan cards. Privilege ones earn 1.25 ap points. Getting flights for business class can be 5-7% return. Used to anyway before new Aeroplan scheme.

Those aren't business cards though.

efrant wrote: ↑ Those aren't business cards though.

How have you found it to be any different if you use the card specifically for business.

shylok wrote: ↑ How have you found it to be any different if you use the card specifically for business.

I don't personally have a business, but I would assume that if you are putting business expenses on a personal credit card, the liability becomes personal, and not a business liability.

Scotiabank Passport Business VISA Infinite:
- 1.5% on everything
- No FX
- 6 PP lounge passes
- $199 AF

shylok wrote: ↑ How have you found it to be any different if you use the card specifically for business.

Speaking from experience, personal cards just don't get as high of a CL as business / commercial cards. This is true even when you become a private banking client with your bank.

When a biz is spending 1.5-2m yearly, the CL will need to be 100-200k+. Even if you have 100k CL on a single VIP card, there is still the liability issue for warranty coverage and employee dishonesty.

Commercial cards don't report on your personal credit profile and have a different umbrella insurance policy. Unlimited cards can be issued vs only 9 on personal.

I wish I have that trouble of deciding which card to charge $1.5-2mil a year into....

Delight wrote: ↑ I asked myself this question a few months ago too.

Ended up settling for the Commercial Avion card.
Flat 2% return when booking business class flights.

One of the highest mobile device insurance at $2k per cardholder

Unique insurance policy where other employees travelling on your flight ticket are covered by CC insurance, without needing to issue that employee a card.

https://www.rbcroyalbank.com/business/c ... -visa.html

Amex is still my main daily biz card, and RBC visa the secondary.

Thank you for this answer. Did you ever try to negotiate a higher earnings rate or any perks and benefits? If yes, did you have any success? Considering, that they will make a significant amount in credit card fees if we spend all our 2mio per year on one of their credit cards, I was hoping that there would be any room for negotiation.

Georgeplamondon wrote: ↑ Thank you for this answer. Did you ever try to negotiate a higher earnings rate or any perks and benefits? If yes, did you have any success? Considering, that they will make a significant amount in credit card fees if we spend all our 2mio per year on one of their credit cards, I was hoping that there would be any room for negotiation.

I didn't negotiate much since it's a secondary card for my business. Was only offered a sign up bonus.

I don't think the bankers have any way to change the earn rate on the card product as it should be hard coded into the product offering. You can try and ask for 1.25x flat like the regular small biz infinite Avion, but that caps at a very small $75k.

Report back and see what RBC is able to offer you.