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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
BALANCE TRANSFER BUSINESS CREDIT CARDS
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Community Bank Business Edition® Mastercard® Card with Reward Simplicity Community Bank Business Edition® Mastercard® Card with Reward Simplicity
- 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
- 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
Columbia Bank Visa® Business Card Columbia Bank Visa® Business Card
- 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
Zions Bank AmaZing Rewards® Business Credit Card Zions Bank AmaZing Rewards® Business Credit Card
- 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
- Foreign fee
Mastercard® Gold Card Mastercard® Gold Card
- 0% intro APR on balance transfers
- Bonus rewards categories
- No foreign fee
- High membership fees
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
State Farm Business Cash Rewards Visa Signature® Card State Farm Business Cash Rewards Visa Signature® Card
- 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
- Foreign fee
Zions Bank AmaZing Cash® Business Credit Card Zions Bank AmaZing Cash® Business Credit Card
- 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
- Foreign fee
2022’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 20 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 14.99% - 23.99% (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 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) | 14.99% - 23.99% (V) | $0 |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 0% for 15 billing cycles | 3% (min $5) | 16.99% - 25.99% (V) | $0 |
| PNC Visa® Business Credit Card | 0% for 13 months | 3% (min $5) | 12.24% - 22.24% (V) | $0 |
| Edward Jones Business Credit Card | 0% for 12 months | $0 | 17.24% - 28.24% (V) | $0 |
| U.S. Bank Visa® Platinum Card | 0% for 20 billing cycles | 3% (min $5) | 17.49% - 27.49% (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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