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Compare business balance transfer credit cards

Help your business improve its cash flow, save interest and consolidate debt.

Compare business balance transfer credit cards using our table. Select "Show filters" to narrow your options to products that fit your credit score range and have features that will benefit you most.

Name Product Amount saved Balance transfer APR Balance transfer fee Minimum Credit Score Filter values
Wells Fargo Business Platinum Credit Card
0% intro for the first 9 months (then 11.24% to 21.24% variable)
$10 or 4% of the transaction, whichever is greater
Get a one-time $300 cash back bonus when you enroll in the cash back rewards program and spend $3,000 in the first 3 months
U.S. Bank Business Platinum
0% intro for the first 15 billing cycles (then 11.99% to 20.99% variable)
$5 or 3% of the transaction, whichever is greater
Enjoy a 0% intro APR on purchases and balance transfers for the first 15 billing cycles, reverting to a variable 11.99% to 20.99% APR. Rates & Fees
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
$5 or 3% of the transaction, whichever is greater
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees

Compare up to 4 providers

A business balance transfer credit card with a 0% intro APR can help your company save on interest charges. It can also free up cash flow, reduce debt and even improve your credit score. And as a bonus, some cards even offer rewards on purchases.

What are the best business balance transfer cards?

When comparing balance transfer business cards, you might find cards with long intro APR periods or ones that offer rewards in addition to balance transfer promos. We’ve selected a couple of examples to give you an idea of what’s available on the market.

Best for a long intro APR period

U.S. Bank Business Platinum

Finder rating 3.4 / 5 ★★★★★

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Terms apply, see rates & fees
U.S. Bank Business Platinum doesn't offer rewards, but it offers a long introductory APR. It's ideal if you're looking to save on interest from another card, or want to stock up on inventory to pay off later.

Best for earning rewards on business purchases

PNC Points® Visa® Business Credit Card

The PNC Points® Visa® Business Credit Card offers a solid intro APR on purchases and balance transfers. It's also one of the few remaining reward business cards that feature balance transfer capabilities. You can redeem your points on cash back, gift cards, travel and more.

Add employee cards to earn extra points, which can either be spent individually or combined across all cards.

Best for earning cashback on business purchases and enjoying an intro APR

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
The U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers businesses accelerated cash back on certain business expenses, including gas, office supplies and cell phone services, all without limit. You'll also enjoy an annual bonus based on the cashback you earned on the previous year. And the new 15 billing cycles intro APR on purchases and balance transfers sweetens this card's status as a great business builder.

How to compare balance transfer business credit cards

When comparing business credit cards for balance transfers, consider the following:

  • Length of intro period. If you’re looking for a long intro APR period, U.S. Bank Business Platinum could be an option. But you should also compare other perks, especially if you think a shorter intro APR period could be enough to pay off your debt.
  • Rewards. PNC Points® Visa® Business Credit Card is a strong credit card for earning accelerated rewards on everything you buy for your business. And you’ll get an interest-free period on balance transfers and purchases.
  • Annual fee. Consider whether paying an annual fee is worth it. If you’re looking to save money on interest with a balance transfer, maybe getting a no-annual-fee card would be the better choice to minimize unnecessary spending.
  • Additional perks. Before choosing a balance transfer card for your business, it’s always good to look for aditional perks. This includes access to credit card monitoring tools or setting spending limits on employee cards.

Pros and cons of business balance transfer credit cards


  • Saves your business money. With a low or 0% intro APR, you can cut down on unnecessary interest.
  • Gets you out of debt faster. Without paying any interest, your monthly payments go solely toward your principal balance, meaning you can get your debt under control faster.
  • Simplifies your finances. Transferring multiple credit card balances over to one balance transfer card can consolidate your monthly payments into just one bill.
  • Additional credit card perks. After you’ve paid off your debt and you’re using this card for everyday business purchases, you could enjoy travel perks, cashback rewards and more with your new balance transfer card.


  • Your interest rate could be higher in the long-run. If you don’t pay off your debt within the intro period, you could end up with a higher APR than the one you originally had.
  • You could fall into more debt. If you continue to use your old credit card after the balance has been paid off, you could find yourself with even more debt.
  • They can get expensive. If your card charges balance transfer fees on top of a high annual fee, you may end up paying more to transfer your debt over than you thought.
  • Your credit score could take a dip. Whenever you apply for a credit card, the issuer does a hard pull on your credit, which likely causes your score to drop. Moreover, if you continue to use your old credit card and rack up more debt, your credit utilization ratio could rise and further lower your score.

How do I know if I need a balance transfer card for my business?

Before you apply for a balance transfer card, it’s best you calculate if it makes financial sense. Consider:

  • Balance transfer fees. These typically go between 3% and 5% of the amount. This means a balance transfer of $10,000 can cost you either $300 or $500.
  • The length of the intro APR period. Calculate your monthly payment based on the length of your 0% intro APR period. If you have nine months to pay off your debt, you’ll need to make larger monthly payments than if you chose a card with 12 months of 0% intro APR period.
  • APR after the intro period. If you fail to pay off your balance during the 0% intro APR period, your remaining balance will accrue interest at the revert rate. Make sure you factor in whether you can afford to pay off the balance after the intro APR period.

Case study

Suppose you want to transfer $20,000 and your credit card has a 3% fee, that’s $600 on top. You get a 0% intro APR period for 12 months.

To pay off your balance without accruing interest, you’ll need to pay $1,716 every month to clear off your debt ($20,600 divided by 12 months).

Should you make balance transfers between your personal and business credit card?

You could make transfers between your personal and business credit cards, but consider the following first:

  • Wider choice. There are more personal credit card options for balance transfers than balance transfer cards for businesses.
  • APR protection. With the CARD Act of 2009, personal credit card providers aren’t allowed to unexpectedly raise interest rates or charge excessive fees during your first 12 months, unless there’s a change in the Fed rate.
  • Hard to track. Using personal credit card for business expenses makes it hard to track. This complicates bookkeeping and you may miss on tax deductions.
  • Authorized users monitoring. Business credit cards make employee card monitoring simple. You can set spending limits, export expenses to accounting software and more.

How to do a balance transfer

The process is the same for business and personal credit cards. Here’s how to do a balance transfer:

  1. Compare balance transfer credit cards.
  2. Apply for the card you find most appealing.
  3. Request to make a balance transfer.
  4. Keep making payments on your old card until your transfer is complete.
  5. Start paying off your debt with no interest while the introductory period lasts.

How to manage a business balance transfer credit card

So you got a business balance transfer credit card. What’s next? Here are a few things to keep in mind when managing your card:

  • Confirm your balance transfer has been processed. Many business balance transfer credit cards take up to 14 days to process a balance transfer request. After two weeks, call your old credit card issuers to make sure they’ve been paid off by your new credit card provider.
  • Make timely payments. A lot of credit card providers allow you to sign up for autopay, making paying your credit card bill one less thing on your business’s monthly to-do list.
  • Avoid using your card to make new purchases. If you got the business balance transfer credit card to pay off your business’s debt faster and more cheaply, try to avoid using the card for new purchases until after you’ve paid down the balance.
  • Avoid fees. Many credit card providers charge late and returned payment fees, as well as fees on cash advances, foreign transactions and balance transfers. Read the terms and conditions of the credit card to understand the costs you could incur.
  • Contact customer service. Keep an eye on your bill, and reach out to your credit card provider if you notice any problems.

Bottom line

A business balance transfer credit card can be useful for managing your company’s finances, but there are some traps to watch out for. Mainly, try to make your payments on time to avoid a high penalty APR, and know that the amount you can transfer is limited — usually less than $15,000.

Be sure to compare multiple credit card options and make the necessary calculations before deciding which card is best suited for your business’s needs.

Frequently asked questions

  • Do any of the business balance transfer cards have an annual fee?
    No. None of our selected cards have an annual fee for the main card or additional employee cards.
  • Can I transfer debt from a personal credit card to a business balance transfer credit card?
    Yes, if you’ve been using a personal credit card for your business and want to transfer the balance over to your new business credit card, you can. However, you generally can’t transfer balances across the same provider.
  • What happens if I don’t pay off my balance before the end of the intro APR period?
    Any balance you have remaining on your card after the introductory period ends, including the original balance transfer, reverts to a higher APR. To get the most out of your business balance transfer credit card, you should pay off your balance before the promotional period ends. To do this, don’t use your card for new purchases until after you’ve paid off your old debt.
  • How can I improve my chances of approval for a business balance transfer credit card?
    First, you should look at the eligibility requirements for the card you’re interested in. If your personal or business credit score is lower than what they recommend, then perhaps you should look for a different credit card that you’re more qualified for.

    Another tip? Credit card issuers don’t like seeing multiple hard pulls on your credit report, so avoid applying for multiple credit cards or loans at the same time. This usually leads banks to believe that you’re desperate for credit and that you’re struggling to manage your business’s finances.

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