Best Business Balance Transfer Credit Cards in 2025
Best overall
Best overall
PNC Visa® Business Credit Card
The PNC Visa® Business Credit Card has a balance transfer intro APR that’s over a year long for a $0 annual fee. It’s also one of the only business balance transfer cards issued by a large bank rather than a local credit union.
Key takeaways
- A 0% intro APR offer eliminates interest charges on your balance for a period of time, so 100% of your payments go toward reducing your debt.
- The longest intro APR offer typically available on a business credit card is 18 billing cycles.
- Although balance transfer fees are typically 3% to 5% of the amount transferred, the amount saved on interest payments often outweighs the one-time cost.
Compare balance transfer credit cards for businesses
| Credit Cards | Our Ratings | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | |
|---|---|---|---|---|---|
PNC Visa® Business Credit Card*
|
Business balance transfers and low ongoing APR
|
0% Intro APR on balance transfers for 13 billing cycles | 16.24% to 26.24% Variable | Either $5 or 5% of the amount of each balance transfer, whichever is greater. | |
Edward Jones Business Plus MasterCard Credit Card*
|
No balance transfer fee
|
0% intro APR for 12 billing cycles | 19.24%–29.24% Variable | 0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum | |
Umpqua Bank Visa® Business Card*
|
Pacific Northwest business owners
|
0% intro APR for 18 billing cycles | 16.99%-25.99% Variable | 3% of the amount of each transfer or $5 minimum, whichever is greater | |
Synovus Business Visa® Credit Card*
|
Southeastern U.S. business owners
|
0% intro APR for 6 months | 13.49%-24.99% Variable | $0 |
Methodology
To select the best card for each of these categories, our credit card experts compared balance transfer credit cards on LendingTree.com and major issuer and credit union sites. We should note the following: While the number of credit cards offering 0% intro APRs on balance transfers is fairly limited, there are even fewer business credit cards with balance transfer benefits.
We chose our top picks primarily based on factors like the length of the intro APR period on balance transfers and the balance transfer fee.
Other factors that come into play when making our selections include the annual fee, the ongoing APR, rewards programs and other benefits offered by the card.
Best for business balance transfers and low ongoing APR
PNC Visa® Business Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% Intro APR on balance transfers for 13 billing cycles; after, a 16.24% to 26.24% Variable APR applies
- $0 annual fee
- Intro APR on balance transfers and new purchases
- Low ongoing APR
- Balance transfer fee
- No rewards program
- High penalty APR
The PNC Visa® Business Credit Card offers one of the longest intro balance transfer APRs for a business credit card that’s widely available. You’ll get a 0% Intro APR on balance transfers for 13 billing cycles. It also offers a low ongoing APR of 16.24% to 26.24% Variable.
But while this is a good card for balance transfers or carrying a balance, it won’t a good fit for some types of business owners — for example, it doesn’t offer a sign-up bonus. Further, you should also make sure that all payments are made on time, since the card charges one of the highest penalty APRs on this list (33.24% variable).
- 0% intro APR on balance transfers for 13 months, after which a 16.24% to 26.24% Variable APR applies
- Set spending limits on employee cards
- No annual fee
No balance transfer fee
Edward Jones Business Plus MasterCard Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% intro APR for 12 billing cycles; after, a 19.24%–29.24% Variable APR applies
- No balance transfer fee during first 60 days of account opening
- Rewards on every purchase
- $25 annual fee
- No foreign transaction fees
- Must be an Edward Jones customer
- $25 annual fee if you don’t use your card
- No 0% intro APR on purchases
While there are business credit cards available that offer intro APRs on balance transfers, the Edward Jones Business Plus MasterCard Credit Card also comes without an initial balance transfer fee — there’s no fee charged during the first 60 days after opening an account.
The Edward Jones Business Plus MasterCard Credit Card has a $25 annual fee and charges $0 in foreign transaction fees. You’ll also Earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000. Plus, new cardholders can earn 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening.
- Earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000. Redeem them for cash back, travel, gift cards, charitable donations or cash deposits directly into an Edward Jones account.
- Scoreboard Online Reporting - to help you track and manage business expenses.
- Have the support and personalised service of your Edward Jones financial advisor.
Pacific Northwest business owners
Umpqua Bank Visa® Business Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% intro APR for 18 billing cycles; after that, a 16.99%-25.99% Variable APR applies
- $0 annual fee
- Long intro APR on purchases and balance transfers
- Free employee cards
- Required to apply at a branch location
- Branch locations are mostly available in Pacific Northwest
- No rewards or sign-up bonus
The Umpqua Bank Visa® Business Card is a great option for balance transfers if your business is located in Oregon or Washington. It has a long introductory APR on both balance transfers and purchases, which is uncommon for business cards. But since this card has no sign-up bonus or rewards, it might not be worth using past the intro APR period — though it is worth it for paying off high-interest credit card debt.
- $0 annual fee
- Intro APR on purchases and balance transfers
- Free employee cards
- Zero fraud liability
Best for Southeast U.S. business owners
Synovus Business Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% intro APR for 6 months; after that, a 13.49%-24.99% Variable APR applies
- $0 annual fee
- No balance transfer fee (if you request a balance transfer over the phone or with your local banker)
- Intro APR on both purchases and balance transfers
- Required to apply at a branch location
- Branch locations only available in Alabama, Florida, Georgia, South Carolina and Tennessee
- Employee cards are limited to 25
The Synovus Business Visa® Credit Card can be helpful if you need to pay off a smaller balance transfer for your business, as the intro APR isn’t that long. You’ll get a 0% intro APR for 6 months; after that, a 13.49%-24.99% Variable APR applies.
However, to apply for the Synovus Business Visa® Credit Card, you’ll have to apply at one of its branches — which are only available in Southeastern U.S. states, including Florida, Georgia and Tennessee.
- $0 annual fee
- $0 balance transfer fee if you request a balance transfer over the phone or with your local banker
- Intro APR on purchases and balance transfers
- Up to 25 employee cards
Is a balance transfer right for your business?
Carrying high-interest credit card debt can cause stress and impact the profitability of your business. By taking advantage of an intro APR offer from a balance transfer business credit card, you can eliminate interest charges for as long as 18 months.
During this promotional period, 100% of your monthly payments go toward reducing your balance to pay off your debt more quickly. Using a business credit card with balance transfer benefits can save your business hundreds — possibly thousands — of dollars in interest charges. If you took out a small business loan, you would most likely be able to get a lower interest rate, but these loans do not offer an introductory 0% APR period.
Pros and cons of balance transfer business credit cards
- 0% interest during the introductory period
- Can help consolidate debt to reduce or eliminate interest charges
- Possibility of earning rewards on the purchases you make
- May come with a $0 annual fee
- Balance transfer fees of 3% to 5% typically apply
- May have a high APR once the interest-free period ends
- May require good to excellent credit to qualify
How to choose a balance transfer business credit card
If you’re a business owner looking to open a balance transfer business credit card, you should consider the following:
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Length of interest-free period on balance transfers
When looking for a business balance transfer card, it’s important to take into account the amount of time you’ll have to pay off the transferred balance before the card’s regular APR kicks in. Business balance transfer credit cards often offer 0% intro APRs on balance transfers of up to 18 months.
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Ongoing APR after intro period ends
If you don’t pay off your balance before the intro APR expires, the bank will start charging interest on the remaining balance. Having a low ongoing APR reduces interest charges on unpaid balances. Plus, it will reduce your costs if you need to carry a balance in the future.
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Balance transfer window
To take advantage of a business credit card balance transfer offer, you’ll generally need to complete your transfer request quickly. The transfer window varies by card, but you typically have 30, 60 or 90 days to complete the request. If you miss this window, your transfer won’t receive the card’s 0% intro APR.
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Balance transfer fee
It’s common for balance transfer credit cards to charge a balance transfer fee of 3% to 5% of the amount of each transfer. Because the balance transfer fee is added to the card balance at the time of the transfer, it reduces the amount you’re able to transfer. Therefore, you’ll want to make sure that the amount you’re eligible to transfer to your new card is high enough to accommodate your existing credit card debt as well as the balance transfer fee.
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Annual fee
Paying an annual fee for a balance transfer business credit card adds to the cost while you’re trying to pay off debt. It’s not a good idea to pay an annual fee if you’re only using the card for the balance transfer, as there are many balance transfer cards that don’t charge an annual fee.
However, if the card offers additional value that offsets the cost of an annual fee — such as statement credits, elite status, flight benefits or free nights at a hotel — it may be worth the price.
How to transfer your balance
The balance transfer process will vary depending on which card you have, but the process is pretty straightforward. Many banks allow you to submit your request during the application process for a new balance transfer credit card. Otherwise, when your new card arrives in the mail, call customer service or initiate a balance transfer online. Make sure to request the balance transfer during the 0% intro APR window in order to qualify for the interest-free financing.
When submitting your request, have your existing account number and transfer amount ready. Keep making payments on your existing account until the balance transfer is complete and your balance is zero. That way, you avoid late fees, penalty APR interest and negative marks on your personal or business credit report.
4 Best business balance transfer credit cards
- Low ongoing APR: PNC Visa® Business Credit Card
- No balance transfer fee: Edward Jones Business Plus MasterCard Credit Card
- Pacific Northwest businesses: Umpqua Bank Visa® Business Card
- Southeastern U.S. businesses: Synovus Business Visa® Credit Card
Frequently asked questions
Balance transfers can impact your credit in a number of different ways. While simply transferring your balance from one credit card to another generally won’t impact your credit score if you only do it once, doing it repeatedly can hurt your credit. Opening new credit cards can temporarily lower your credit score, and your credit score can also be impacted if you continue spending on your cards and increase your credit utilization ratio.
Yes, it is possible to do balance transfers on business credit cards, and several business credit cards offer balance transfer intro periods that last as long as 18 months. These promotional APRs can help business owners pay off debt or avoid interest charges while waiting to collect payments from customers.
The amount you can transfer will depend on a number of different factors. Your credit limit is the biggest factor, but you won’t know what it is until you’re approved. The balance transfer amount, including all fees, must be less than your credit limit. Some credit cards have a maximum balance transfer amount that is below your credit limit. If your credit limit isn’t high enough, you have other options to reduce your interest charges, including getting a second balance transfer card or applying for a small business loan.
Yes, you can generally transfer a balance from a business credit card to a consumer card, as long as your card’s terms and conditions allow it. However, there may be tax or legal consequences from moving debt from a business’s balance sheet to a personal credit card. Make sure to contact a tax or financial advisor to make sure that you understand all of the ramifications.
The information related to the PNC Visa® Business Credit Card, Edward Jones Business Plus MasterCard Credit Card, Umpqua Bank Visa® Business Card and Synovus Business Visa® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
