Balance Transfer Business Credit Cards
WalletHub makes it easy to find the best business credit card for balance transfers.
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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 2021:
- U.S. Bank Business Platinum – 0% for 15 billing cycles*
- 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
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.
- 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

- 0% Introductory APR for 15 months on balance transfers made within 465 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.
- 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
Zions Bank AmaZing Cash® Business Credit Card Zions Bank AmaZing Cash® Business Credit Card

- 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.
- 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
First Citizens Business Visa® Card First Citizens Business Visa® Card

- Get employee cards at no additional cost to you and with credit limits you set.
- 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
Edward Jones Business Credit Card Edward Jones Business Credit Card

- Earn 15,000 bonus Loyalty Points (redeemable for $150 Edward Jones Loyalty Investâ„¢ Deposit) 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.
- Earn 4 additional Loyalty Points® for every $1 in eligible net purchases spent on prepaid car and hotel reservations made in the online Rewards Travel Center.
- Redeem for rich rewards from Edward Jones Loyalty Investâ„¢ and cash back to travel awards, gift cards and charitable donations.
- 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
First National Bank of Omaha Business Edition® Visa® Card First National Bank of Omaha Business Edition® Visa® Card

- Introductory fee of either $10 or 4% of the amount of each transfer, whichever is greater, for balance transfers made in the first 6 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater.
- With Cell Phone Protection receive automatic coverage, at no additional cost, when you pay your monthly cell phone bill with your Visa business card.
- Free Management Reports to help you track your expenses, monitor your spending, spot tax deductions, prepare your tax filings and forecast expenses more easily.
- Free 24/7 Online Access for managing your account. View transaction activity and history, pay your bill, set up alerts and more.
- Automatic Discounts on qualifying purchases with Visa SavingsEdge®.
- Added Security with fraud protection, extended warranties, travel accident insurance and identity theft protection.
- See More Details & Reviews About TheFirst National Bank of Omaha Business Edition® Visa® Card
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2021’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 2021:
Credit Card | Balance Transfer Intro APR | Balance Transfer Fee | Regular APR | Annual Fee |
U.S. Bank Business Platinum | 0% for 15 billing cycles* | 3% (min $5) | 11.99% - 20.99%* (V) | $0* |
U.S. Bank Business Cash Rewards World Elite™ Mastercard® | 0% for 12 months | 3% (min $5) | 13.99% - 22.99% (V) | $0 |
PNC Visa® Business Credit Card | 0% for 13 months | 3% (min $5) | 9.99% - 19.99% (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% intro for 120 days, then 5% | 16.49% - 24.49% 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: 2021’s best 0% APR business credit cards.
Questions & Answers
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