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Welcome to Caary!

Ceridian clients have special access to Caary. We think you will be thrilled about what Caary can do for your business. 

Learn more about Caary’s easy, accessible credit and financial platform designed for small and medium-sized businesses. 



What is Caary?

Caary is a progressive fintech platform that delivers corporate credit, spend management and expense management tools for small and medium-sized enterprises in Canada.

What our customers are saying…

“We can quickly generate virtual or physical cards as needed which lets us simplify expense management. In addition, it comes at effectively no cost to our business as the cards themselves have no fees and the cashback element actually ends up reducing our overhead costs.”

Dave Gray

Director of Operations, Metrist

“As a small business owner, the option to have a virtual or physical card for my employees is extremely beneficial. The added perk is the cashback credit. I highly recommend Cary Mastercard for all businesses.” 

Helen Tran

Owner, Specs on Bloor

To be eligible to apply, you’ll need:


To be registered as a corporation in Canada

(Quebec coming soon).

$35,000+ average account balance in a business

bank account.


$25,000+ annual spend on a credit card.

Platform features

No personal guarantees

Build business credit and leave your personal credit untouched.


No fees & 1.5% cashback

Corporate cards with no fees, no FX charges, and 1.5% cashback on all spending.

Virtual & physical cards

Virtual and physical cards with spend controls to empower your team.

As featured in

Meet our team

Caary is changing the game for the underserved small business segment. In this video, our team shares how our progressive risk assessment tools will bring more small businesses into the fold, giving them the credit they are due so they can compete, grow and thrive.


What is a Caary Business Mastercard®?

Caary is a corporate card that does not require a personal credit check or personal guarantee, and there is no annual fee. It connects to your corporate bank account and offers a number of benefits tailored to businesses.

How much does it cost?

Caary is a no-fee credit card. That means there are no annual card fees and no foreign transaction (FX) fees.

Can I control spend on my Caary card?

Caary allows you to issue employee cards and dedicate supplier cards with custom spend limits that automatically enforce your company’s spend policies.

You can also control expiry dates with virtual cards. When issuing virtual cards, you can choose a date in the future when the card will stop accepting transactions. This creates flexibility to support specific expenses or projects, like a seven-day trip or a month-long software trial.

You can also lock and unlock or cancel any card at any time online.

How is the cashback calculated?

Customers earn 1.5% cashback on all spend. This is calculated as 1.5 points per dollar. Each reward point is worth one cent.