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.
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.
We recommend using a balance transfer payoff calculator … show more show less
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.
Best Business Balance Transfer Credit Cards of 2020:
- The Blue Business® Plus Credit Card from American Express – 0% for 12 months
- U.S. Bank Business 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
- Wells Fargo Platinum card – Intro 0% for 18 months on qualifying balance transfers
We recommend using a balance transfer payoff calculator … show more show less
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Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
→
13.24% - 19.24% (V)
Rewards Details
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About TheAmerican Express Blue Business Cash™ Card
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
→
13.24% - 19.24% (V)
Rewards Details
- Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 6 monthsTransfer Fee: 3% (min $10)
Regular APR
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11.99% - 21.99% (V)
Annual Fee
$0
Rewards Rate
5 - 10 points / $1
Minimum Credit
Excellent Credit
Rewards Details
- 100,000 bonus points - redeemable for $200 when you spend $1,000 within the first 60 days.
- Earn 10 points per $1 in combined purchases on gas, restaurants, travel and telecommunications.
- Earn 5 rewards points for every $1 in eligible purchases
- Redeem points for cash back, gift cards, travel, electronics, merchandise and charity donations.
Additional Info
- 0% Intro APR on balance transfers requested within 60 days of account opening.
- Purchase Assurance on qualifying purchases.
- Lost/Stolen reporting available 24/7.
- Car Rental Insurance.
- See More Details & Reviews About TheKeyBank Business Rewards Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $10)
Regular APR
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14.24% (V)
Annual Fee
$0
Rewards Rate
1 - 3 points / $1
Minimum Credit
Excellent Credit
Rewards Details
- 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.
- 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.
Additional Info
- 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
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $10)
Regular APR
→
14.24% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Excellent Credit
Rewards Details
- Earn 3% cash back on office supplies, wireless telephone services, computer network services and telecommunications services and equipment.
- Earn 2% cash back on airlines and car rentals when the purchase is made directly with the airline or car rental company; 1% cash back on all purchases with no limit and no expiry.
- 3% and 2% cash back apply to the first $150,000 in combined purchases per calendar year, then 1% cash back applies thereafter.
- Get cash back in any whole-dollar amount after you have $25 earned. Get it as a credit to your card (credits are not applied as a payment) or as a credit to a Zions Bank deposit account. You can also choose to automatically get cash back in $500 increments.
Additional Info
- 0% Intro APR on balance transfers received within 60 days of account opening.
- Personalize your card with our myPHOTO Card® Service.
- Automatic savings on qualified purchases when you enroll in Visa SavingsEdge®
- See More Details & Reviews About TheZions Bank AmaZing Cash® Business Credit Card
Purchase Intro APR
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N/A
Transfer Intro APR
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0% for 6 monthsTransfer Fee: 3% (min $5)
Regular APR
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9.99% - 18.99% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Excellent Credit
Additional Info
- Get employee cards at no additional cost to you and with credit limits you set.
- Get automatic savings at participating merchants by enrolling in Visa SavingsEdge®.
- Auto Rental Collision Damage Waiver, Purchase Security, Extended Protection and Travel and Emergency Assistance Services.
- See More Details & Reviews About TheFirst Citizens Business Visa® Card
Purchase Intro APR
→
N/A
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: $0
Regular APR
→
14.99% - 25.99% (V)
Annual Fee
$0
Rewards Rate
1.5 - 2 points / $1
Minimum Credit
Excellent Credit
Rewards Details
- Earn 15,000 bonus Loyalty Points with this offer when you spend $1,000 within the first 90 days of account opening.
- Earn 1.5 Loyalty Points® for every eligible net $1 spent up to $40,000 and 2 Loyalty Points® on every eligible net $1 spent over $40,000 during each 12 month cycle.
- Redeem for rich rewards from Edward Jones Loyalty Invest™ and cash back to travel awards, gift cards and charitable donations.
Additional Info
- 0% Intro APR for 12 months and 0% Introductory fee on Balance Transfers requested within 60 days from account opening.
- *Annual Fee: $0 the first year and every year that you charge at least one purchase to the account, otherwise $25
- Spend Analysis - A free online tool to help track business expenses
- Zero fraud liability for unauthorized transactions
- Exclusive Mastercard privileges
- See More Details & Reviews About TheEdward Jones Business Credit Card
NO FOREIGN FEE
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2020’s Best Business Credit Cards for Balance Transfers
The Blue Business® Plus Credit Card from American Express is the best business credit card for balance transfers. It offers an introductory APR of 0%
for 12 months on balance transfers with a balance transfer fee of 3% (min $5) and a $0 annual fee. That is months longer without interest than the average balance transfer card provides, along with fairly standard fees. The Blue Business Plus Card’s regular APR is 13.24% - 19.24% (V), however, so it’s best to pay off any balance transfers by the end of the 0% intro term.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 2020:
| Credit Card | Balance Transfer Intro APR | Balance Transfer Fee | Regular APR | Annual Fee |
| The Blue Business® Plus Credit Card from American Express | 0% for 12 months | 3% (min $5) | 13.24% - 19.24% (V) | $0 |
| U.S. Bank Business Cash Rewards World Elite™ Mastercard® | 0% for 15 months | 3% (min $5) | 11.99% - 22.99% (V) | $0 |
| PNC Visa® Business Credit Card | 0% for 13 months | 3% (min $5) | 11.49% - 21.49% (V) | $0 |
| Edward Jones Business Credit Card | 0% for 12 months | $0 | 14.99% - 25.99% (V) | $0 |
| Wells Fargo Platinum card | 0% for 18 months on qualifying balance transfers | 3% for 120 days, then 5% | 15.49% - 24.99% Variable | $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: 2020’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 moreshow less
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