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The information for the following product(s) has been collected independently by Business Insider: BMO Business Platinum Credit Card, PNC Visa Business Credit Card, First Citizens Bank Rewards Business Visa, M&T Business Rewards Credit Card. The details for these products have not been reviewed or provided by the issuer.
The best 0% intro APR business credit cards for balance transfers charge low transaction fees and offer zero-interest terms. Some also earn rewards on new purchases, including money spent on employee cards, so you can maximize your card benefits well after you've paid off your outstanding balance.
Here are some of the best business balance transfer credit cards we've found, as well as some guidance on finding the best option for you.
Best Business Credit Cards for Balance Transfers
- U.S. Bank Business Platinum Card: Best overall
- BMO Business Platinum Credit Card : Best for long 0% intro APR
- Chase Freedom Unlimited®: Best for new sole proprietors
- PNC Visa Business Credit Card : Best for extended balance transfer period
- First Citizens Bank Rewards Business Visa : Best for simple rewards
- M&T Business Rewards Credit Card : Best for unlimited cash back
Balance Transfer Business Credit Card Reviews
Best Overall: U.S. Bank Business Platinum Card
The no-annual-fee U.S. Bank Business Platinum Card is ideal for business owners looking for a no-frills balance transfer card with a long 0% APR for both new and existing balances.
This is our top-choice business balance transfer credit card for its 0% intro APR on purchases and balance transfers for the first 18 billing cycles (then 16.24% - 25.24% Variable)— a generous metric by any standard. You'll pay a balance transfer fee of 3% or $5, depending on which one is greater.
U.S. Bank Business Platinum Card cardholders are eligible for U.S. Bank's ExtendPay Plan, which allows you to divide payments for larger purchases into equal monthly payments with no interest. Each ExtendPay payment comes with a low monthly fee, and you can choose from repayment periods of three, six, 12, 18, or 24 months.
Best for Long 0% Intro APR: BMO Business Platinum Credit Card
The runner-up on our list is BMO Business Platinum Credit Card, which offers an 18-month period of 0% APR for both balance transfers and new purchases.
The balance transfer fee is a little higher than that of some other cards, at $10 or 4% of the balance being transferred (whichever is greater). However, this card does offer a lower standard APR of 16.49% - 25.49% variable for card users with excellent credit, and savings of up to 25% at over 40,000 merchants with Mastercard Easy Savings®.
Mastercard Easy Savings a rebate program that automatically applies rebates when business owners use their BMO Business Platinum Card for purchases like gas, fuel, hotels, office supplies, and more. Cardholders also get discounts on TurboTax and Intuit QuickBooks® and up to $600 in cellphone protection when you pay your mobile bill with this card.
The BMO Business Platinum Credit card is best for someone looking for a balance transfer with a longer 0% APR period and the opportunity to receive discounts and earn rebates easily for everyday business expenses.
Best for New Sole Proprietors: Chase Freedom Unlimited®
The Chase Freedom Unlimited® offers a lengthy 0% intro APR on purchases and balance transfers for the first 15 months, then 20.49% - 29.24% Variable. This no-annual-fee card isn't a business credit card, so it's best suited for sole proprietors who aren't ready for a dedicated business product but want to keep business purchases separate from personal expenses.
This card is fantastic for earning rewards. The Chase Freedom Unlimited® comes with a welcome offer of additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). It also earns unlimited cash back on new purchases, with several lucrative bonus categories: Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. 5% back (in the form of Chase Ultimate Rewards® points)on all travel purchases through Chase, 3% back on dining and drug stores, and 1.5% back on all other purchases.
Read more about this card in our Chase Freedom Unlimited card review.
Best for Extended Balance Transfer Period: PNC Visa Business Credit Card
The PNC Visa Business Credit Card offers a 0% intro APR on balance transfers for the first 13 months when transferred in the first 90 days following account opening, then a variable interest rate ranging from 15.24% - 25.24% variable. It has a balance transfer fee of $5 or 3% of the amount of the balance being transferred, whichever is greater.
Most balance transfer cards only allow up to 30 days to transfer your balance. In contrast, the PNC Visa Business Credit Card gives you a 90-day window to complete the task, so you have more time to plan your financial strategy for debt payoff.
This card has no annual fee, and offers lower interest rates long-term in lieu of rewards such as points or cash back.
The PNC Visa Business Credit Card is best for business owners who want to pay down credit card debt within one year, and value low-interest rates over rewards and perks. If you have good or excellent credit, you can qualify for PNC's low interest rates to reduce the cost of any balance you carry after the 13-month promotional period ends.
Best for Simple Rewards: First Citizens Bank Rewards Business Visa
The First Citizens Bank Rewards Business Visa offers a 0% intro APR on purchases and qualifying balance transfers for 9 months, followed by a 17.24% - 26.24% variable APR.
There's a balance transfer fee of $5 or 3% of the transferred balance depending on which one is greater. For new purchases, this card also offers rewards points on gas and a welcome offer of 10,000 bonus points when you spend $3,000 on the card in the first 90 days.
This card is ideal for businesses that are looking to pay down credit card balances quickly and maximize rewards faster with the help of employee cards. While the First Citizens Bank Rewards Business Visa has a shorter 0% introductory APR period than many competitors offer, the card benefits and rewards for new purchases make this credit card a solid option for businesses to keep long term.
Card users earn 3 points per dollar spent on gas, 2 points on restaurants and travel, and 1 point on all other purchases. You can maximize rewards by adding employee cards and redeeming points for travel, cash back, gift cards, and merchandise.
Best for Unlimited Cash Back: M&T Business Rewards Credit Card
The M&T Business Rewards Credit Card offers 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening. This card also has no annual fee or foreign transaction fees. Once the introductory period ends, this card charges a 17.49% - 24.49% variable APR — lower than many competing business credit cards.
This card also offers unlimited 2% cash back on all new purchases during the first year followed by 1.5% cash back on purchases each year after. If you open a business bank account with M&T Bank, you can also link your credit card to your checking account as overdraft protection. This helps you avoid overdraft fees, and gives you enough time to pay off your purchase before your credit card statement closes.
M&T Bank also lets you add employee cards for free and manage each card's spending limit. All of these factors make this card a great option for businesses seeking a standard balance transfer card that also offers a simplified and unlimited potential for cash back.
M&T Bank is a regional bank with physical locations mainly on the East Coast, so it isn't a good fit for businesses located elsewhere that want local branches they can visit in person. However, the bank offers online banking, and credit cardholders can sign up for bank alerts and manage other aspects of their accounts online.
Why Consider a Balance Transfer for Your Business?
A business credit card that offers 0% intro APR on balance transfers can help your business save money on interest while you pay down an existing credit card balance.
Consolidate Your Debt at Lower Interest
A balance transfer allows you to combine outstanding debt from various credit cards under a single account, usually one with little to no interest. This simplifies your monthly repayments and can save your business a lot of money, since you'll have many months to pay down your balance without accruing interest.
Earn Rewards and Incentives While Paying Down Debt
A business credit card that offers 0% interest balance transfers may also make sense if you can use the card even after the 0% APR promotion ends. Some business credit cards earn rewards such as points or cash back on everyday spending. The BMO Business Platinum Credit Card reviewed in this guide offers rebates on business purchases, for example, and provides complimentary cellphone insurance if you pay your monthly phone bill with your card.
Compare Options, Benefits, and Fees
It's important to understand each credit card's features and offers, because some cards may only offer 0% APR on new purchases. In contrast, others may only offer the promotional APR on balance transfers, but charge the regular interest rate for new purchases.
Some balance transfer business credit cards offer both 0% APR for new purchases and a balance transfer for several months, which is the best option for most businesses.
How to Maximize the Benefits of Your Balance Transfer
Once you've been approved for your balance transfer business credit card, make sure you transfer the balance you owe as quickly as possible. Most credit cards only offer 0% interest to new cardholders, usually within 30 to 90 days from when you open the account.
Request the Highest Credit Limit Possible
To maximize your 0% interest balance transfer offer, you'll need the issuer to grant you a credit limit high enough to receive the full amount you want to transfer, ideally without maxing out your new card.
Pay Off Your Debt Before the Zero-Interest Period Ends
Create a plan to pay off your balance before the 0% APR period ends. Let's say your new card offers 12 months of 0% interest and you have a $6,500 balance. You'll need to pay at least $542 each month to clear your outstanding balance within those 12 months.
Balance Transfer Business Credit Card Frequently Asked Questions
Why should I consider a business balance transfer?
The right business credit card can help you minimize debt from a high-interest credit card by offering an introductory period of zero interest, allowing you to pay down your outstanding balance at lower cost.
Can you do a balance transfer with a business credit card?
Yes, business credit cards often offer balance transfer options. Make sure to compare the fees and rates on different balance transfer business credit cards. Most charge a balance transfer fee, typically a low percentage of the transfer amount.
Does the Chase Ink Business offer 0% interest balance transfers?
No, Chase Ink business credit cards don't offer 0% intro APR balance transfers. The Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card offer 0% intro APR on purchases for the first 12 months (then 18.49% - 24.49% Variable), but not for balance transfers. but currently don't have any balance transfer offers.
Will a business credit card impact my personal credit?
Business credit cards typically do not appear on your personal credit report since business credit card issuers tend to report to commercial credit bureaus. However, some credit card issuers might report your business credit card activity to a credit reporting agency, especially if there is delinquent activity to report.
Can I transfer my business credit card balance to my personal credit card?
You can transfer your business credit card balance to your personal credit card, although we don't recommend overlapping business and personal finances. Your personal credit will be impacted, and the balance on the personal card will be subject to an interest rate based on your personal credit score after the promotional APR period ends.
What are balance transfer credit card drawbacks?
Most balance transfer credit cards require you to pay a fee for the transaction, typically ranging from 3% to 5% of the amount of debt you transfer. You'll also incur interest at higher rates once the initial 0% APR ends.
How long is the 0% intro APR period?
Zero-interest intro periods vary, but many credit cards offer between 6 to 18 months of 0% intro APR on balance transfers. These promotions usually come with conditions or restrictions: You'll usually have to transfer the balance within 30 days to qualify for 0% interest, for example, and you must pay the minimum payment each month in order to retain the benefit.
Why You Should Trust Us: How We Chose the Best Business Credit Card for Balance Transfers
Credit card offers change constantly, and comparing fees and fine print can be tedious and time-consuming. So we've done the legwork for you and consulted our own credit card experts to narrow down the best balance transfer cards based on factors such as the following:
- Length of 0% APR promotional period for both a balance transfer and new purchases
- Balance transfer fee and annual fee
- Type of rewards or cash back offered for new purchases
Read more here about how we rate credit cards at Business Insider.
Choncé Maddox is a freelance personal finance writer who enjoys writingabout credit, loans, saving, and helping people achieve financialwellness. Her work has been featured on LendingTree, Forbes Advisor, andThe New York Post. She earned a Bachelor's degree in Journalism andCommunications from Northern Illinois University and resides with herfamily in the Nashville area.
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