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Best Business Balance Transfer Credit Cards

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated September 29, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’ve ever used credit cards to help fund your business expenses, you probably know how easy it is to rack up a large amount of debt quickly. A balance transfer credit card can provide a great opportunity to transfer high-interest debt to a card with a lower interest rate — helping you save money and pay off debt faster.

While there are a quite a few personal credit cards that offer 0% intro APRs on balance transfers for an extended period of time, there are fewer business credit cards that offer introductory APRs on balance transfers — but there are still some. Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we compiled a list of the best business credit cards for balance transfers.

Best Business Balance Transfer Credit Cards
Best card overall U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Best for a long intro APR period U.S. Bank Business Platinum Card
Best for low ongoing APR PNC Visa® Business Credit Card
Best for rewards after the intro period Wells Fargo Business Platinum Credit Card

Best For Overall

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard<sup>®</sup>

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

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on U.S. Bank's secure site
Introductory APR 0% Intro APR for 15 billing cycles on purchases
Annual Fee $0
Regular Purchase APR 13.99% - 22.99% (Variable)

Get an intro APR of 0% intro on balance transfers for 15 billing cycles, after which a 13.99% - 22.99% (variable) APR applies. There’s a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Plus, you’ll get a 0% Intro APR for 15 billing cycles on purchases as well, after which a 13.99% - 22.99% (variable) APR applies.

There’s another card issued by U.S. Bank on this list with a longer intro APR period, but it doesn’t come with any rewards program.

If you’re a business owner looking for a reasonable intro APR period and strong ongoing value after the intro period ends, the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a good fit.

You’ll earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. No limit on total cash back earned.

The card also offers a sign-up bonus: Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

  • Annual $100 statement credit for eligible recurring software subscription expenses
  • Use your card with Apple Pay, Google Pay or Samsung Pay
  • 24/7 customer service based in the U.S.

Get an intro APR of 0% intro on balance transfers for 15 billing cycles, after which a 13.99% - 22.99% (variable) APR applies. There’s a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Plus, you’ll get a 0% Intro APR for 15 billing cycles on purchases as well, after which a 13.99% - 22.99% (variable) APR applies.

There’s another card issued by U.S. Bank on this list with a longer intro APR period, but it doesn’t come with any rewards program.

If you’re a business owner looking for a reasonable intro APR period and strong ongoing value after the intro period ends, the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a good fit.

You’ll earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. No limit on total cash back earned.

The card also offers a sign-up bonus: Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

  • Annual $100 statement credit for eligible recurring software subscription expenses
  • Use your card with Apple Pay, Google Pay or Samsung Pay
  • 24/7 customer service based in the U.S.

Best For A long intro APR period

U.S. Bank Business Platinum Card

Highlights
  • 0% Intro APR* on purchases and balance transfers for the first 18 billing cycles. After that, a variable APR of 11.99% - 20.99%*
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Cardholders with the U.S. Bank Business Platinum Card get an intro APR of 0% intro APR on balance transfers for 18 billing cycles on balance transfers. After, a 11.99%-20.99%* (variable) APR applies. There are consumer credit cards with much longer balance transfer intro periods, but for a business card, this is the longest you’re likely to find.

The balance transfer fee is 3% of the amount of each transfer or $5 minimum, whichever is greater.

There’s also a lengthy intro period of 0% intro APR on purchases for 18 billing cycles on purchases, after which a 11.99%-20.99% variable APR applies.

This card is best for business owners who need a long interest-free period to pay off debt and don’t care about having bells and whistles on their card. There’s no rewards program, but there is an interest-free intro period longer than any other card we came across during our review of business balance transfer cards.

  • Free employee cards
  • Set spending limits on employee cards
  • 24/7 customer service based in the U.S.

Cardholders with the U.S. Bank Business Platinum Card get an intro APR of 0% intro APR on balance transfers for 18 billing cycles on balance transfers. After, a 11.99%-20.99%* (variable) APR applies. There are consumer credit cards with much longer balance transfer intro periods, but for a business card, this is the longest you’re likely to find.

The balance transfer fee is 3% of the amount of each transfer or $5 minimum, whichever is greater.

There’s also a lengthy intro period of 0% intro APR on purchases for 18 billing cycles on purchases, after which a 11.99%-20.99% variable APR applies.

This card is best for business owners who need a long interest-free period to pay off debt and don’t care about having bells and whistles on their card. There’s no rewards program, but there is an interest-free intro period longer than any other card we came across during our review of business balance transfer cards.

  • Free employee cards
  • Set spending limits on employee cards
  • 24/7 customer service based in the U.S.
The information related to the U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Low ongoing APR

PNC Visa® Business Credit Card

Highlights
  • 0% intro APR on balance transfers for 13 months, after which a 9.99% – 19.99% variable APR applies
  • Set spending limits on employee cards
  • No annual fee

Enjoy more than a year interest-free with an intro period of 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening. After, a 9.99% – 19.99% variable APR applies.

The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.

This card doesn’t earn rewards, but if what you need is more than a year to pay off a transferred balance before interest charges start accruing and a reasonable APR after the intro period ends, the PNC Visa® Business Credit Card is a solid choice.

If you think you might not be able to pay off the entire transferred balance before the intro period ends, you want a card with a reasonable ongoing APR. With an APR of 9.99% – 19.99% variable, the PNC Visa® Business Credit Card fits that need — especially if you get approved for a rate at the lower end of the range.

  • Extended protection (adds up to an additional year on on eligible warranties)
  • Purchase security on eligible items for 90 days against theft or damage

Enjoy more than a year interest-free with an intro period of 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening. After, a 9.99% – 19.99% variable APR applies.

The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.

This card doesn’t earn rewards, but if what you need is more than a year to pay off a transferred balance before interest charges start accruing and a reasonable APR after the intro period ends, the PNC Visa® Business Credit Card is a solid choice.

If you think you might not be able to pay off the entire transferred balance before the intro period ends, you want a card with a reasonable ongoing APR. With an APR of 9.99% – 19.99% variable, the PNC Visa® Business Credit Card fits that need — especially if you get approved for a rate at the lower end of the range.

  • Extended protection (adds up to an additional year on on eligible warranties)
  • Purchase security on eligible items for 90 days against theft or damage
The information related to the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Rewards after the intro period

Wells Fargo Business Platinum Credit Card

Highlights
  • New customer offer: Get $500 cash back bonus when you enroll in the cash back rewards program and spend $5,000 in the first three months.
  • Earn 1.5% cash back.
  • $0 annual rewards fee.
  • 0% introductory rate for 9 months. After, a variable APR of Prime + 7.99% to Prime + 17.99% applies.
  • No foreign transaction fee.

This card offers an intro period of 0% APR for 9 months on balance transfers, after which the regular variable APR of Prime + 7.99% to Prime + 17.99% kicks in. The balance transfer fee is high, though, at 4% or $10, whichever is greater.

You’ll also get an intro period on purchases of 0% APR for 9 months, after which a variable APR of Prime + 7.99% to Prime + 17.99% applies.

We don’t recommend new purchases on a card while you’re paying off a transferred balance. However, business owners looking to earn a competitive flat rate on every purchase after first paying off their balance transfer will appreciate the Wells Fargo Business Platinum Credit Card, which lets you earn 1.5% cash back on every $1 spent if you choose the cashback program or 1 point per $1 spent (plus 1,000 bonus points when your company spend is $1,000 or more within a billing period) if you choose the points option.

Be aware that the Wells Fargo Business Platinum Credit Card has the shortest intro APR period of any card on this list, so do the math and make sure you can pay off your transferred balance in the time that it offers, otherwise you could start seeing interest charges before you know it.

  • Up to 99 employee cards at no cost
  • Visa Purchase Security for items that are lost, stolen, or accidentally damaged
  • $0 foreign transaction fee

This card offers an intro period of 0% APR for 9 months on balance transfers, after which the regular variable APR of Prime + 7.99% to Prime + 17.99% kicks in. The balance transfer fee is high, though, at 4% or $10, whichever is greater.

You’ll also get an intro period on purchases of 0% APR for 9 months, after which a variable APR of Prime + 7.99% to Prime + 17.99% applies.

We don’t recommend new purchases on a card while you’re paying off a transferred balance. However, business owners looking to earn a competitive flat rate on every purchase after first paying off their balance transfer will appreciate the Wells Fargo Business Platinum Credit Card, which lets you earn 1.5% cash back on every $1 spent if you choose the cashback program or 1 point per $1 spent (plus 1,000 bonus points when your company spend is $1,000 or more within a billing period) if you choose the points option.

Be aware that the Wells Fargo Business Platinum Credit Card has the shortest intro APR period of any card on this list, so do the math and make sure you can pay off your transferred balance in the time that it offers, otherwise you could start seeing interest charges before you know it.

  • Up to 99 employee cards at no cost
  • Visa Purchase Security for items that are lost, stolen, or accidentally damaged
  • $0 foreign transaction fee
The information related to the Wells Fargo Business Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Which balance transfer card is right for your business?

Moving debt via a balance transfer from a high-interest credit card to one with an intro APR period can often save you money, even if you have to pay a balance transfer fee. But before choosing a balance transfer card to apply for, make sure to do the math — and ask yourself the following questions:

  • What issuer is your old business card from? You can’t transfer debt between cards from the same issuer.
  • How long do you need to pay off the debt? The cards on this list offer intro APR periods from 9 to 18 months.
  • What do you need after the balance transfer? Consider whether you’ll want to earn rewards in the long term.

By answering the questions above, you can ensure a smooth balance transfer experience, pay off your transferred balance before the regular APR kicks in and get ongoing value from your new business credit card.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.