CIBC bizline® Visa* Card vs Ramp Corporate Card

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

CIBC bizline® Visa* Card

CIBC bizline® Visa* Card

2.7

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Our review
ramp

Ramp Corporate Card

4.5

Apply now
Our review

Neither card earns rewards we can work out.

So CIBC bizline® Visa* Card and Ramp Corporate Card come down to their fees, rates and perks, compared below.

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

CIBC bizline® Visa* Card

No welcome bonus right now.

Ramp Corporate Card

No welcome bonus right now.

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$0

Annual fee

$0
$0 (up to 9)

Employee cards

Not listed
2.5%

Foreign transaction fee

Better of the twoNone
No rewards

Rewards

Cash back
Visa

Network

Visa

CIBC bizline® Visa* Card

Interest rates

Purchase:

CIBC Prime plus 1.5%

Cash Advance:

CIBC Prime plus 1.5%

Balance Transfer:

CIBC Prime plus 1.5%

Recommended credit score

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$15,000

Min Household Income:

N/A

Ramp Corporate Card

Interest rates

Purchase:

N/A

Cash Advance:

N/A

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

CIBC bizline® Visa* Card

No rewards earned on purchases

Ramp Corporate Card

  • Get up to 1% cash back on all eligible transactions

Insurance and perks

What both cards include comes first in each list.

CIBC bizline® Visa* Card

Insurance

  • heart lock

    Common Carrier Travel Accident Insurance

    $100,000

Perks

  • car rental

    Car Rental Discount

    Get up to 30% off base rates with Avis® Pay Now or up to 35% off base rates with Budget

Ramp Corporate Card

Insurance

  • car insurance

    Car Rental Damage & Theft

    31 days. Reimbursed for damages caused by theft up to cash value of most rented cars
  • car accident

    Car Rental Accident

    31 days. Reimbursed for damages caused by collision up to cash value of most rented cars
  • extended warranty

    Extended Warranty

    Yes
  • purchase protection

    Purchase Protection

    First 90 days, up to $10,000 per claim and $50,000 per cardholder
  • emergency call

    Travel and Emergency Assistance Services

    Available 24 hours a day, 365 days a year

Perks

  • adapted limit

    Adapted limit

    Customizable limits and controls down to the merchant and transaction level
  • high credit limit

    High Credit Limits

    30x higher than those offered by traditional banks
  • credit-check

    No Credit Check

    No personal credit check or personal guarantee required
  • unlimited-credit-cards

    Unlimited Cards

    Issue unlimited virtual and physical cards for each employee

Our take

CIBC bizline® Visa* Card

Not a rewards card — this is a low-cost credit line for businesses that need to carry a balance or manage cash flow. With a variable rate as low as Prime + 1.5% and no annual fee, it’s one of the cheapest ways to borrow on a business credit card. There are no points, no perks, and no welcome offer. But if your priority is affordable financing rather than earning rewards, this card undercuts most of the market on interest costs. Good for newer businesses building credit or seasonal businesses that need flexible short-term financing.

  • No annual fee
  • Low interest rates
  • Accessible income requirement
  • No rewards
  • No welcome offer
  • Interest rates fluctuate
  • Lacks standard insurance categories

Ramp Corporate Card

The Ramp Corporate card offers a competitive edge with perks like higher credit limits, no credit checks, and cash back opportunities. The card pairs perfectly with Ramp's arsenal of products dedicated to expense management, bill payments, accounting automation, vendor management, and reporting. Together, these tools help Canadian businesses save both time and money.

  • No Annual Fee
  • High and Customizable Credit Limits
  • Cash Back Opportunities
  • No Credit Check
  • Unlimited Cards
  • Minimum Balance Requirements
  • Geographical Limitations
  • No Sole Proprietors

More business card comparisons

Each card against every other business card we review.

CIBC bizline® Visa* Card

Ramp Corporate Card

Legal

CIBC bizline® Visa* Card

Ramp Corporate Card

Terms and conditions apply. Cards issued by Peoples Trust Company under license from Visa International.

Must have at least $25,000 in your primary business bank account to qualify.

Businesses must be a corporation or a limited liability company registered in Canada; sole proprietorships, partnerships, and unregistered businesses are not eligible.

Certain industries may be restricted from onboarding to Ramp (e.g. cryptocurrency and cannabis businesses).

Ramp cannot serve Quebec, Saskatchewan, or the territories (Yukon, Northwest Territories, and Nunavut).