Best Business Credit Cards for Balance Transfers of September 2023

Full list of editorial picks: Best business credit cards for balance transfers

U.S. Bank Business Platinum Card

0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.24%-26.24% Variable APR

The 0% introductory APR period on the

U.S. Bank Business Platinum Card

is far longer than what you’ll find on competing cards, and it applies to balance transfer and new purchases. The balance transfer fee is on the low end, as well:

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

. The card’s main drawbacks are no ongoing perks or rewards and a 3% foreign transaction fee, making it a poor choice for spending abroad.

0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR

The

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

is a triple-threat balance transfer card, with a long 0% period, a generous sign-up bonus ($

500

) and great cash-back rewards. New cardholders receive

0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR

. The balance transfer fee is:

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

.

Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases

. Learn more and apply.

PNC Visa® Business Credit Card

0% APR for 13 billing cycles on balances transferred within 90 days, and then an ongoing variable APR of 15.24% to 25.24% (as of this writing)

Most balance transfer cards give you 30 days to move your debt, but the PNC Visa Business card offers a 90-day window, providing more wiggle room to plan a debt payoff strategy. The PNC Visa Business card doesn’t offer many bells and whistles beyond that, though, so consider it solely for paying off existing debt.

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR

The

Wells Fargo Reflect® Card

is a personal credit card. It’s worth a look for sole proprietors because it has one of the longest 0% intro APR periods on the market — approaching almost two years. You’ll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. The balance transfer fee is

5%; min: $5

. Read our review.

0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR

The

Chase Freedom Unlimited®

is another personal credit card solopreneurs may want to consider. It offers a 0% introductory APR period, plus the opportunity to earn a solid cash bonus if you make other purchases on the card. The balance transfer fee is:

Either $5 or 5% of the amount of each transfer, whichever is greater.

You’ll also get

1.5

% cash back on all purchases and bonus rewards on travel booked through Chase. Read our review.

Balance transfer business cards from local and regional banks

Some local banks and credit unions offer business credit cards with 0% APR balance transfer periods.

Consider options like:

  • M&T Bank Business Rewards Credit Card, which offers 0% APR on balance transfers for the first 12 months. There is a 4% or $10 fee for balance transfers, whichever is higher. M&T Bank serves the mid-Atlantic states. 

  • First Citizens Bank Rewards Business Credit Card, which comes with 0% APR on balance transfers for the first nine months. Balance transfers come with a 3% fee ($5 minimum). First Citizens Bank has branches in 23 states.

  • The Umpqua Bank Visa Business Card, which offers 0% APR on balance transfers for the first 18 months. There’s a 3% or $5 fee for balance transfers, whichever is greater. Umpqua Bank has branches in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah and Washington, and this card is issued by Elan Financial Services.

These smaller banks may require you to visit a branch in person to open an account.

These are the steps involved in transferring a business credit card balance.

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