For sole proprietors, the best cards are business cards a one-person business can get on a personal SSN/ITIN with self-reported income — no incorporation needed — that reward everyday operating spend and keep the fee low. We track 272 Canada cards.
Free supplementary employee/authorized-user cards scale cleanly if the sole proprietor later brings on contractors.
WelcomeGet 10% cash back on gas, office supplies and cellphone and internet bill payments for 3 months!** Plus, get a 0.00% introductory interest rate on balance transfers for 9 months with a 3% transfer fee.∆
A second genuinely no-fee option for sole proprietors who are already RBC-banked or simply want the simplest possible cash-back math with zero category-tracking. The Petro-Canada per-litre discount is a small but genuinely 'free' add-on for a solo operator who drives for client visits or deliveries.
Sole proprietors apply with their SIN; no incorporation or business number is required at this tier.
Includes baseline travel insurance and purchase protection the no-fee cash-back cards on this list lack, useful for a solo operator who travels for client work.
A sole proprietor specifically chasing Avion points should verify the actual redemption tier before choosing this over the Infinite Business version above it.
These picks come from dedicated research for sole proprietors, which drew on issuers' published terms and independent sources — listed under “sources” on each pick. The order is the research's. Every fee, welcome offer and earn rate shown on a pick is the figure our catalogue holds for that card, the same one its card page shows. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero. Each researched shortlist is marked as pending editorial review until the site's editor approves it.