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Balance Transfer Business Credit Cards
WalletHub makes it easy to find the best business credit card for balance transfers.
Balance transfer business credit cards offer low introductory APRs (sometimes 0% APRs) on debt transferred from another credit card or loan. The two main factors to consider when evaluating a business credit card balance transfer are the length of the introductory APR and the amount of the balance transfer fee. Both impact the savings a particular card will provide (some cards are from WalletHub partners). You don’t need to limit yourself to business credit cards for balance transfers just because you’re a small business owner, either. You’re going to be held personally liable for unpaid balances anyway. So, if you can get a better deal with a general-consumer balance transfer credit card, that might be the way to go.Â
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To help you find the right balance transfer credit card for your business, WalletHub’s editors compared more than 1,000 credit card offers based on their balance transfer APRs, balance transfer fees, annual fees, approval requirements, and business benefits. Below, you can check out the resulting picks for the best business balance transfer cards available right now.  Â
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Best Business Balance Transfer Credit Cards of 2022:
- U.S. Bank Business Platinum Card – 0% for 20 billing cycles
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard® – Cash Back
- PNC Visa® Business Credit Card – No Annual Fee
- Edward Jones Business Credit Card – No Transfer Fee / Existing Customers
- U.S. Bank Visa® Platinum Card – Intro 0% for 20 billing cycles
We recommend using a balance transfer payoff calculator … show moreshow less
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U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- 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.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- Terms and conditions apply
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 14.74% - 23.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPayâ„¢ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Platinum Card U.S. Bank Business Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.74% - 21.74%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPayâ„¢ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- See More Details & Reviews About TheU.S. Bank Business Platinum Card
Community Bank Business Edition® Mastercard® Card with Reward Simplicity Community Bank Business Edition® Mastercard® Card with Reward Simplicity

- $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
- Unlimited 1.5 points per $1 spent on purchases everywhere you shop.
- Points can be redeemed for travel, cash back, gift cards, and merchandise.
- Plus, you have 3 years from when points are awarded to use them before they expire.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 3,000 points initial rewards bonus
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
KeyBank Business Rewards Credit Card KeyBank Business Rewards Credit Card

- 100,000 bonus points - redeemable for $200 when you spend $1,000 within the first 60 days.
- Earn 10 points per $1 (cash equivalent of 2%) in combined purchases on gas, travel, restaurants, and telecommunications.
- Earn 5 rewards points for every $1 (cash equivalent of 1%) in eligible purchases.
- There’s no limit to the amount of rewards you can earn.
- Redeem points for cash back, travel, merchandise, gift cards, charity donations and more.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on balance transfers requested within 60 days of account opening.
- Discounts for software including QuickBooks, TurboTax and Intuit Payroll.
- Cybersecurity and ID Theft Protection.
- Car Rental Insurance, Global Emergency Services and access to Mastercard’s TPC Golf Privileges.
- See More Details & Reviews About TheKeyBank Business Rewards Credit Card
Columbia Bank Visa® Business Card Columbia Bank Visa® Business Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 0% Introductory APR for 20 months on balance transfers made within 620 days of account opening.
- Access to expense management tools to help you organize and track your overall spending.
- Free employee cards with individual credit limits.
- Free Online Reporting with Spend Analysis.
- Zero Fraud Liability and Verified by Visa.
- Visa-Specific Benefits like Extended Warranty, Purchase Protection, Auto Rental Collision Damage Waiver Insurance, Special discounts with Visa SavingsEdge and more.
- See More Details & Reviews About TheColumbia Bank Visa® Business Card
Zions Bank AmaZing Rewards® Business Credit Card Zions Bank AmaZing Rewards® Business Credit Card

- 3 points for every $1 you spend on select business purchases, including office supplies, cellular services, internet services, telecommunications and cable TV.
- 2 points for every $1 you spend on select business travel purchase, including airline and car rentals; 1 point for every $1 you spend.
- 3 points and 2 points earning rates apply to the first $150,000 in combined purchases per calendar year, then one rewards point applies thereafter.
- Earn reward points that never expire, with no limit on the number of points you can earn.
- Apply your business rewards points for any purchase made with your card. Redeem business rewards points online or by phone, 24x7.
- Doesn’t limit your choices to a catalog of merchandise or select airline seats.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 0% Intro APR on balance transfers received within 60 days of account opening.
- Automatic savings on qualified purchases when you enroll in Visa SavingsEdge®.
- Credit limit up to $250,000.
- myPHOTOcard® to customize your business rewards card with your own logo, photo or image.
- See More Details & Reviews About TheZions Bank AmaZing Rewards® Business Credit Card
State Farm Business Cash Rewards Visa Signature® Card State Farm Business Cash Rewards Visa Signature® Card

- Earn 3% cash back on insurance premium payments, up to $4,000 spent annually.
- Earn 3% cash back at gas stations (up to $200 per purchase), cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.
- Earn 1% cash back on all other eligible purchases.
- Cash back is redeemed in the form of a statement credit or a deposit made to a savings or checking account, or as a U.S. Bank Rewards Card ($25 minimum redemption)..
- Receive a $100 credit to your account after 11 consecutive months of eligible software service subscription purchases.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- The 0% introductory APR applies to balance transfers made within 60 days of account opening.
- Protect your cell phone every time you pay your bill. Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill.
- Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security, available when you pay with your card.
- Auto rental collision damage waiver.
- See More Details & Reviews About TheState Farm Business Cash Rewards Visa Signature® Card
2022’s Best Business Credit Cards for Balance Transfers

There are plenty of other worthwhile balance transfer credit cards available to small business owners, though, including both business-branded cards and offers marketed to the general-consumer population. To tee up the top deals for you, WalletHub’s editors compared all the balance transfer cards in our database of 1,000+ credit card offers. You can see how their resulting picks for the best business balance transfer credit cards stack up against each other below.
Best Business Credit Cards for Balance Transfers in 2022:
Credit Card | Balance Transfer Intro APR | Balance Transfer Fee | Regular APR | Annual Fee |
U.S. Bank Business Platinum Card | 0% for 20 billing cycles | 3% (min $5) | 12.74% - 21.74% (V) | $0 |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 0% for 15 billing cycles | 3% (min $5) | 14.74% - 23.74% (V) | $0 |
PNC Visa® Business Credit Card | 0% for 13 months | 3% (min $5) | 10.24% - 20.24% (V) | $0 |
Edward Jones Business Credit Card | 0% for 12 months | $0 | 15.74% - 26.74% (V) | $0 |
U.S. Bank Visa® Platinum Card | 0% for 20 billing cycles | 3% (min $5) | 15.24% - 25.24% (V) | $0 |
All of the best business balance transfer credit cards require at least good credit for approval. You can check your latest credit score for free on WalletHub to get a sense of your odds.
Finally, if you’re looking for a business credit card with low interest on purchases, there’s another page for that: 2022’s best 0% APR business credit cards.
Questions & Answers
Comparing balance transfer business credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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