Find your perfect card in 30 seconds.

Check your approval odds so you can shop smarter.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Best Business Balance Transfer Credit Cards in 2024

Updated on:

Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our .

U.S. Bank Business Platinum Card

The U.S. Bank Business Platinum Card is our top pick for balance transfer business credit cards since it offers one-and-a-half years of interest-free financing without charging an annual fee. This is one of the longest intro APR promotions on balance transfers available for a business credit card.

A 0% intro APR offer eliminates interest charges on your balance for a period of time, so 100% of your payments go toward reducing your debt.
The longest intro APR offer typically available on a business credit card is 18 billing cycles.
Although balance transfer fees are typically 3% to 5% of the amount transferred, the amount saved on interest payments often outweighs the one-time cost.

4 Best business balance transfer credit cards

Overall winner: U.S. Bank Business Platinum Card
Business expenses: U.S. Bank Triple Cash Rewards Visa^® Business Card
Low ongoing APR: PNC Visa® Business Credit Card
No balance transfer fee: Edward Jones Business Plus MasterCard Credit Card

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Compare balance transfer credit cards for businesses

Credit Cards	Our Ratings	Intro Balance Transfer APR	Regular Balance Transfer Rate	Balance Transfer Fee
U.S. Bank Business Platinum Card* Learn More	4.5 Winner	N/A	17.24% to 26.24%	Either 3% of the amount of each transfer or $5 minimum, whichever is greater	Learn More
U.S. Bank Triple Cash Rewards Visa^® Business Card* Learn More	4.7 Business expenses	N/A	18.29% to 27.29% variable	Either 3% of the amount of each transfer or $5 minimum, whichever is greater	Learn More
PNC Visa® Business Credit Card* Learn More	3.3 Low ongoing APR	Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers	17.24% to 27.24% Variable	Either $5 or 5% of the amount of each balance transfer, whichever is greater.	Learn More
Edward Jones Business Plus MasterCard Credit Card* Learn More	2.3 No balance transfer fee	0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening	19.49%–29.49% Variable	0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum	Learn More

*The information for the U.S. Bank Business Platinum Card, U.S. Bank Triple Cash Rewards Visa^® Business Card, PNC Visa® Business Credit Card and Edward Jones Business Plus MasterCard Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

Overall best business credit card for balance transfers

U.S. Bank Business Platinum Card*

LendingTree's Review

4.5

LendingTree's Review

4.5

Learn More

Long 0% intro APR

N/A, then 17.24% to 26.24% APR

Lengthy intro APR on balance transfers
$0 annual fee
Purchases also qualify for the intro APR offer

No rewards program
Balance transfers must be completed within 30 days
Foreign transaction fees of 3% on each foreign transaction

The U.S. Bank Business Platinum Card is our pick for the best overall business balance transfer card because of its long interest-free period, during which you can pay off other high-interest debt. In addition, the card charges a $0 annual fee.

The card doesn’t come with a rewards program — however, when your goal is to pay down debt, it’s best to focus on paying off your transferred balance in full within the promotional period rather than racking up rewards. Still, this may be a good card to keep around if you need to carry a balance in the future — it has a very reasonable APR once the promotion expires.

Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24% to 26.24%.
U.S. Bank Business Platinum Card
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ 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 2024 World's Most Ethical Company® - Ethisphere Institute
Terms and conditions apply

*The information related to the U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Business expenses

U.S. Bank Triple Cash Rewards Visa^® Business Card*

LendingTree's Review

4.7

U.S. Bank Triple Cash Rewards Visa<sup>®</sup> Business Card

LendingTree's Review

4.7

Learn More

Earn a valuable sign-up bonus

Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.

Intro APR on purchases and balance transfers
$0 annual fee
Sign-up bonus
Solid rewards for ongoing business expenses

3% balance transfer fee (minimum $5)
Foreign transaction fee

The U.S. Bank Triple Cash Rewards Visa^® Business Card is a solid business card that offers a reasonable intro APR period — N/A (18.29% to 27.29% variable after the intro period ends) in addition to ongoing rewards and sign-up bonus value.

Business owners can earn cash back rewards in popular business spending categories: 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.

Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
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
0% Intro APR on purchases for 12 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
No annual fee.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Terms and conditions apply

*The information related to the U.S. Bank Triple Cash Rewards Visa^® Business Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Low ongoing APR

PNC Visa® Business Credit Card*

LendingTree's Review

3.3

LendingTree's Review

3.3

Learn More

Low ongoing APR

Intro APR of 17.24% to 27.24% Variable on purchases and 17.24% to 27.24% Variable APR on balance transfers, followed by a 17.24% to 27.24% Variable APR

$0 annual fee
Intro APR on balance transfers
Low ongoing APR

No intro APR on purchases
Balance transfer fee
No rewards program
High penalty APR

The PNC Visa® Business Credit Card charges a $0 annual fee and offers a low ongoing APR — 17.24% to 27.24% Variable APR that starts after the introductory period is over. There’s an Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers.

If there’s a chance you won’t be able to pay off the entire transferred amount before the introductory period ends, you’ll enjoy a low ongoing APR. However, make sure that all payments are made on time since the card charges one of the highest penalty APRs on this list at 34.24% variable.

Although this is a good card for balance transfers or carrying a balance, it’s not a good fit for most other types of business owners. It doesn’t offer a sign-up bonus or rewards for the purchases you make.

0% intro APR on balance transfers for 13 months, after which a 17.24% to 27.24% Variable APR applies
Set spending limits on employee cards
No annual fee

*The information related to the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

No balance transfer fee

Edward Jones Business Plus MasterCard Credit Card*

LendingTree's Review

2.3

Edward Jones Business Plus MasterCard Credit Card

LendingTree's Review

2.3

Learn More

Save on fees: No annual fee, foreign transaction fee or balance transfer fee

No balance transfer fee during intro period
Rewards on every purchase
$0 annual fee
No foreign transaction fees

Must be an Edward Jones customer
$25 annual fee if you don’t use your card
No 0% intro APR on purchases

To apply, you should contact your Edward Jones financial advisor or log in to your account and visit the loans and credit section.

While there are business credit cards available that offer intro APRs on balance transfers, the Edward Jones Business Plus MasterCard Credit Card is one of the only business cards that doesn’t charge a balance transfer fee during the first 60 days after opening an account.

The Edward Jones Business Plus MasterCard Credit Card comes with a $0 annual fee and $0 in foreign transaction fees. You’ll also Earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000. Plus, new cardholders can earn 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening.

Earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000. Redeem them for cash back, travel, gift cards, charitable donations or cash deposits directly into an Edward Jones account.
Scoreboard Online Reporting - to help you track and manage business expenses.
Have the support and personalised service of your Edward Jones financial advisor.

*The information related to the Edward Jones Business Plus MasterCard Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Is a balance transfer right for your business?

Carrying high-interest credit card debt can cause stress and impact the profitability of your business. By taking advantage of an intro APR offer from a balance transfer business credit card, you can eliminate interest charges for up to 18 months.

During this promotional period, 100% of your monthly payments go toward reducing your balance to pay off your debt more quickly. Using a business credit card with balance transfer benefits can save your business hundreds – possibly thousands – of dollars in interest charges. If you took out a small business loan, you would most likely be able to get a lower interest rate, but these loans do not offer an introductory 0% APR period.

If you aren’t able to qualify for a small business loan or credit card, sole proprietors and some other small business owners may be able to transfer business debt to a personal credit card or get a personal loan instead of using a balance transfer card.

Pros and cons of balance transfer business credit cards

0% interest during the introductory period
Can help consolidate debt to reduce or eliminate interest charges
Possibility of earning rewards on the purchases you make
May come with a $0 annual fee

Balance transfer fees of 3% to 5% typically apply
May have a high APR once the interest-free period ends
May require good to excellent credit to qualify

How to choose a balance transfer business credit card

If you are a business owner looking to open a balance transfer business credit card, you should consider the following:

Length of interest-free period on balance transfers

When looking for a business balance transfer card, it’s important to take into account the amount of time you’ll have to pay off the transferred balance before the card’s regular APR kicks in. Business balance transfer credit cards often offer 0% intro APRs on balance transfers of up to 18 months.
Ongoing APR after intro period ends

If you don’t pay off your balance before the intro APR expires, the bank will start charging interest on the remaining balance. Having a low ongoing APR reduces interest charges on unpaid balances. Plus, it will reduce your costs if you need to carry a balance in the future.
Balance transfer window

To take advantage of a business credit card balance transfer offer, you’ll generally need to complete your transfer request quickly. The transfer window varies by card, but you typically have 30, 60 or 90 days to complete the request. If you miss this window, your transfer won’t receive the card’s 0% intro APR.
Balance transfer fee

It’s common for balance transfer credit cards to charge a balance transfer fee of 3% to 5% of the amount of each transfer. Because the balance transfer fee is added to the card balance at the time of the transfer, it reduces the amount you’re able to transfer. Therefore, you’ll want to make sure that the amount you’re eligible to transfer to your new card is high enough to accommodate your existing credit card debt as well as the balance transfer fee.
Annual fee

Paying an annual fee for a balance transfer business credit card adds to the cost while you’re trying to pay off debt. It’s not a good idea to pay an annual fee if you’re only using the card for the balance transfer, as there are many balance transfer cards that don’t charge an annual fee.

However, if the card offers additional value that offsets the cost of an annual fee — such as statement credits, elite status, flight benefits or free nights at a hotel — it may be worth the price.

How to transfer your balance

The balance transfer process varies depending on which card you have, but the process is pretty straightforward. Many banks allow you to submit your request during the application process for a new balance transfer credit card. Otherwise, when your new card arrives in the mail, call customer service or initiate a balance transfer online. Make sure to request the balance transfer during the 0% intro APR window in order to qualify for the interest-free financing.

When submitting your request, have your existing account number and transfer amount ready. Keep making payments on your existing account until the balance transfer is complete and your balance is zero. That way you avoid late fees, penalty APR interest and negative marks on your personal or business credit report.

Learn how to do a U.S. Bank balance transfer.

Frequently asked questions

Balance transfers can impact your credit in a number of different ways. While simply transferring your balance from one credit card to another generally won’t impact your credit score, if you only do it once, doing it repeatedly can hurt your credit. Opening new credit cards can temporarily lower your credit score, and your credit score can also be impacted if you continue spending on your cards and increase your credit utilization ratio.

Yes, it is possible to do balance transfers on business credit cards, and several business credit cards offer balance transfer intro periods that last up to 18 months. These promotional APRs can help business owners pay off debt or avoid interest charges while waiting to collect payments from customers.

The amount you can transfer will depend on a number of different factors. Your credit limit is the biggest factor, but you won’t know what it is until you’re approved. The balance transfer amount, including all fees, must be less than your credit limit. Some credit cards have a maximum balance transfer amount that is below your credit limit. If your credit limit isn’t high enough, you have other options to reduce your interest charges, including getting a second balance transfer card or applying for a small business loan.

Yes, you can generally transfer a balance from a business credit card to a consumer card as long as your card’s terms and conditions allow it. However, there may be tax or legal consequences from moving debt from a business’s balance sheet to a personal credit card. Make sure to contact a tax or financial advisor to make sure that you understand all of the ramifications.

Methodology

To select the best card for each of these categories, our credit card experts compared balance transfer credit cards on LendingTree.com and major issuer and credit union sites. We should note the following: While the number of credit cards offering 0% intro APRs on balance transfers is fairly limited, there are even fewer business credit cards with balance transfer benefits.

We chose our top picks primarily based on factors like the length of the intro APR period on balance transfers and the balance transfer fee.

Other factors that come into play when making our selection include the annual fee, the ongoing APR, rewards programs and other benefits offered by the card.

The information related to the U.S. Bank Business Platinum Card, U.S. Bank Triple Cash Rewards Visa^® Business Card, PNC Visa® Business Credit Card and Edward Jones Business Plus MasterCard Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Lee Huffman

Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full-time in 2018. Lee has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better through the power of travel rewards. When Lee is not getting his passport stamped around the world, he’s researching methods to earn more miles and points toward his next vacation.

His writing can be found on many popular travel and credit card websites such as The Points Guy, Forbes Advisor and NerdWallet. You can follow Lee’s travels at BaldThoughts.com or listen to his weekly travel podcast at WeTravelThere.com.

13 Best Business Credit Cards in 2024

Best Secured Business Credit Cards in 2024

Best Business Balance Transfer Credit Cards in 2024