CWB business credit cards
Explore business credit cards designed with small business owners in mind
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Business credit cards for small business owners
Whether you want to earn cash back, save on fees, or make purchases in U.S. dollars, every CWB business credit card comes with advanced digital account management tools and actionable financial insights that give you ultimate control and convenience over your account.
CWB business credit card options
CWB Echelon Rewards+ Business Mastercard®
Put your business expenses to work for you. Every dollar you spend earns you accelerated rewards points that go back to building your business—and keep it reaching new heights.
CWB Echelon Rewards Business Mastercard®
Rewards without the annual fee. Spend smarter, earn rewards, and grow your business.
CWB Business Mastercard®
Our low rate card. Put your financial goals first with low interest and instalment pay options to respond to different transaction needs when every dollar matters.
CWB USD Business Mastercard®
Take your small business beyond borders. Make purchases in U.S. dollars, minimize fees, and gain control over currency fluctuations.
Compare our business credit cards
| Fees and features | CWB Echelon Rewards+ BusinessTM Mastercard® |
CWB Echelon Rewards BusinessTM Mastercard® |
CWB Business Mastercard® |
(Coming soon) CWB USD Business Mastercard® |
| Annual fee | $150 | $0 | $40 | $50 |
| Additional card fee | $50 (15 max) | $0 (15 max) | $8 (15 max) | $15 (15 max) |
| CWB Business Pro Package (optional - $5/month, per account) | Includes: • One-time digital card issuance • Unlimited additional cards* • Accounting software integration |
Includes: • One-time digital card issuance • Unlimited additional cards* • Accounting software integration |
Includes: • One-time digital card issuance • Unlimited additional cards* • Accounting software integration |
Includes: • One-time digital card issuance • Unlimited additional cards* • Accounting software integration |
| Interest rate (APR) | 19.99% | 19.99% | 12.90% | 19.99% |
| Interest on Cash advances | 22.99% | 22.99% | 22.99% | 22.99% |
| FX fees | 2.50% | 2.50% | 2.50% | 2.50% |
| Rewards earn rate | • 1.5% back in points on all purchases • Up to 30% back in points with participating retail partners |
• 0.5% back in points on all purchases • Up to 30% back in points with participating retail partners |
N/A | N/A |
| Insurance | • Purchase Security & Extended Warranty • Car Rental Collision/Loss Damage Insurance • Common Carrier Accident Insurance • Flight Delay & Baggage Insurance • Trip Cancellation/Trip Interruption Insurance • Hotel Burglary Insurance • Mobile Device Insurance • Waiver of Liability1 |
• Purchase Security & Extended Warranty • Car Rental Collision/Loss Damage Insurance • Waiver of Liability1 |
• Purchase Security & Extended Warranty • Car Rental Collision/Loss Damage Insurance • Waiver of Liability1 |
• Purchase Security & Warranty • Car Rental Collision/Loss Damage Insurance • Waiver of Liability1 |
| Benefits | • Free Boingo® Wi-Fi • Lounge Access via Mastercard Travel Pass • Zero Liability2 • Mastercard Global Emergency Services • Mastercard Savings and Discounts |
• Free Boingo® Wi-Fi • Lounge Access via Mastercard Travel Pass • Zero Liability2 • Mastercard Global Emergency Services • Mastercard Savings and Discounts |
• Free Boingo® Wi-Fi • Lounge Access via Mastercard Travel Pass • Zero Liability2 • Mastercard Global Emergency Services • Mastercard Savings and Discounts |
• Free Boingo® Wi-Fi • Lounge Access via Mastercard Travel Pass • Zero Liability2 • Mastercard Global Emergency Services • Mastercard Savings and Discounts |
1The Waiver of Liability program is administered by Royal & Sun Alliance Insurance Company of Canada.
2Zero Liability - Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete terms and conditions.
CWB Business Mastercards are issued by Brim Financial Inc. Brim is a trademark of Brim Financial Inc.
All insurance coverage(s) included with Brim credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada, 700
Avenue University, 1500A , Toronto, Ontario M5G 0A1, pursuant to a Master Policy issued to Brim Financial Inc. You may contact the insurer
at 1 833 429-2746 in Canada and the U.S. or collect from elsewhere at 416 920-0938 or visit www.rsagroup.ca. Different cards will have
different coverage(s). To learn about which coverage(s) are included with a specific card and important information regarding coverage
eligibility requirements, benefits, limitations and exclusions, go to brimfinancial.com/legal/ or review the Certificates of Insurance in your
card package. Some insurance coverages may require that purchases, vehicle rentals, common carrier fares, accommodations and other trip
costs be charged to the card to activate coverage. Other conditions may also apply, so please read the Certificates of Insurance carefully.
The information provided in this section is intended as general information only. Please refer to your Certificates of Insurance for the specific
terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. Canadian Western Bank’s trademark ownership details can be found here.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
All fees for the CWB USD Business Mastercard are charged in US dollars.
1 rewards point = $0.01.
Boingo® is a registered trademark of Boingo Wireless, Inc.
Find the right CWB solutions for your business size
Small business criteria
Read below to see if your business fits our small business category
Manage finances, grow investment, access key insights, and utilize dedicated support.
Small businesses can grow and maintain their operations with confidence using our tailored financial solutions. These solutions are designed for digitally savvy business owners looking for over-the-phone support and who have non-complex lending needs up to $50,000.
Generally, your business would be considered a small business if you:
- Employ up to 20 people
- Generate up to $2 million in annual revenue
- Have no more than 4 signatories
- Have no greater than 4 people acting as owners
- Are not owned by another business.
If you meet this criteria, continue on to explore our small business products and solutions. If your business is larger than described, explore our mid-large business products and solutions instead.
See the complete listing of related service charges including payment and other sundry services.
Canadian Western Bank is a member of the Canada Deposit Insurance Corporation (CDIC).