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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.
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 2023:
- U.S. Bank Business Platinum Card – 0% for 18 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 21 billing cycles
We recommend using a balance transfer payoff calculator ... show moreshow less
BALANCE TRANSFER BUSINESS CREDIT CARDS
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- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 3,000 points initial rewards bonus
- Balance transfer fee
- High regular APR
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- High regular APR
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- 0% intro APR on balance transfers
- No foreign fee
- High membership fees
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases
- High Regular APR
- Requires excellent credit
2023’s Best Business Credit Cards for Balance Transfers
U.S. Bank Business Platinum Card is the best business credit card for balance transfers. It offers an introductory APR of 0% for 18 billing cycles 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 card’s regular APR is 17.24% - 26.24% (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 2023:
| Credit Card | Balance Transfer Intro APR | Balance Transfer Fee | Regular APR | Annual Fee |
| U.S. Bank Business Platinum Card | 0% for 18 billing cycles | 3% (min $5) | 17.24% - 26.24% (V) | $0 |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 0% for 15 billing cycles | 3% (min $5) | 19.24% - 28.24% (V) | $0 |
| PNC Visa® Business Credit Card | 0% for 13 months | 3% (min $5) | 15.24% - 25.24% (V) | $0 |
| Edward Jones Business Credit Card | 0% for 12 months | $0 | 20.24% - 29.99% (V) | $0 |
| U.S. Bank Visa® Platinum Card | 0% for 21 billing cycles | 3% (min $5) | 18.74% - 29.74% (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: 2023’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. WalletHub independently collected information for some of the cards on this page.show more
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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