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HSBC BusinessVantage® Mastercard®

The corporate credit card designed for your small business.

Make a difference to your bottom line

The HSBC BusinessVantage® Mastercard® is a convenient and secure way to pay for business and travel-related expenses. Manage your spending, get extended warranties and automatic savings on purchases, as well as access to exclusive rewards programs.

Ready to get started?

Award-winning small business banking

Winner of “Best Small Business Bank in Canada” by Cosmopolitan Business Awards 2022.3

Make the most of your BusinessVantage® Mastercard®

Earn cash back or rewards

Earn a 1% cash back rebate annually on all eligible purchases or reward points** for travel, gift cards or merchandise.

Save with partner rebates

Get immediate rebates of up to 25% when you use your card at participating companies on fuel, car rentals, food, accommodation, services or merchandise.

Manage your account

Access best-in-class expense management tools to manage your credit card.

Protect with optional travel and medical insurance¹

Peace of mind and protection against unexpected costs – from the moment you book a business trip to the time you return home.

About this card

  • Annual fee: $35 per cardholder
  • Annual interest on cash advances: 23% 
  • Annual interest on purchases: 19.9%
  • Annual rewards program (optional): $45 per cardholder
  • Maximum unsecured limit of up to CAD $50,000
  • This card is subject to approval, as well as credit review and ongoing monitoring

Choose cash back or rewards

HSBC BusinessVantage® Rewards Program2: Gift cards, merchandise and more

Earn 1 Point for every $1 of eligible purchases** made with your card with the HSBC Business Card Rewards Program.

Reward points can be redeemed for:

  • Statement credit: With your reward points, receive credit on your next statement
  • Gift cards and merchandise: Choose from over 150 premium gift cards and merchandise options 
  • Electronic gift cards: Redeem for an electronic gift card and get it within 24 hours by email or SMS 
  • Travel: Book travel with points directly on the rewards website 

Not enough points? Not a problem! You can now buy points with your HSBC credit card to complete travel and select merchandise redemptions.


HSBC Cash Back Rewards Program: Earn cash on your purchases

Earn 1% rebate on all eligible purchases made with your card with the HSBC Cash Back Rewards Program.

Enjoy up to 25% off select partner rebates

With Mastercard Easy Savings® simply use your HSBC BusinessVantage® Mastercard® at a participating business and receive automatic rebates. Visit the Mastercard Easy Savings® website and download the app to learn more and find locations to save on fuel, car rentals, dining out, accommodation, services and merchandise.

Expense management tools

  • Set spending limits for each cardholder
  • Get access to daily transaction data
  • Stay on top of expenses using our online tools

Optional Travel and Medical Insurance

  • $109 Annual fee for each cardholder
  • Emergency travel medical insurance: Up to $1 million annually for unlimited trips of up to 17 days per trip
  • Trip cancellation insurance prior to your departure: Up to $2,000 per trip
  • Baggage delay or loss insurance: Up to $750 for items that are lost, damaged or stolen and up to $200 for a baggage delay of 12 hours or more
  • Trip interruption/delay insurance: Up to $2,000

HSBC Fusion: empowering your business and personal banking

Get more out of banking with HSBC Fusion. Manage your small business and personal accounts in one place, with one point of contact for all your banking needs. Plus, get extra services to help you thrive at work and at home.

Multiple ways to get you started

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® Mastercard, Cirrus and Mastercard Easy Savings are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

® HSBC BusinessVantage is a registered trademark of HSBC Holdings plc used under license by HSBC Bank Canada.

™HSBC eCredit is a registered trademark of HSBC Holdings plc, used under license by HSBC Bank Canada.

Cash Back rebate is earned on most purchases charged to an HSBC BusinessVantage Mastercard account, less credits for returns, refunds and adjustments. No rebate is earned on cash advances, optional services, interest charges or fees. Cash Back rebate is accumulated and credited to the individual HSBC BusinessVantage Mastercard account annually on the January statement (for the prior year), provided the account is in good standing. Please refer to the HSBC Cash Back Rewards Terms and Conditions for complete details and conditions.

* Terms and Conditions apply. 

** Rewards Points are awarded for most purchases charged to an HSBC BusinessVantage Mastercard account, less credits for returns, refunds and adjustments. No Rewards Points are earned on cash advances, optional services, interest charges or fees.

1 Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance provided subsequent to enrollment in the optional Travel and Medical insurance.

2 Rewards programs are available to individual cardholders. HSBC is not responsible for any federal and/or provincial tax liability, including income tax, arising from the issue or redemption of rewards points or cash back rebate. HSBC does not issue tax receipts. Please review tax consequences with your advisor.

3 For Cosmopolitan The Daily award information, visit site:

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