Carrying a large balance on your business credit card keeps getting more expensive as credit card interest rates rise. A business credit card with a 0% balance transfer period can help you save money, free up cash flow and pay down your debt faster.
The best balance transfer cards for small businesses offer a long 0% APR window on purchases and transfers — anywhere from 12 to 20+ months — alongside cash-back rewards and sign-up bonuses, extending the card's value beyond the introductory period. These business credit cards give small-business owners the opportunity to consolidate high-interest business debt and pay it off interest-free.
All of our selections for the best balance transfer business cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Featured Partner
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Here are the best balance transfer business credit cards from our partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website | 4.7/5 | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles | 18.74%-27.74% Variable APR | Apply now on US Bank's website Rates & Fees |
Citi Simplicity® Card Apply now on Citibank's application | 4.5/5 | $0 | 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases | 18.74%-29.49% Variable APR | Apply now on Citibank's application |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.74%-27.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.74%-27.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.74%-27.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- 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 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 and balance transfers for 15 billing cycles. After that, a variable APR currently 18.74% - 27.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- View Rates & Fees
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.74%-27.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Citi Simplicity® Card
Read Review
Apply now
on Citibank's application
Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.74%-29.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Personal credit cards like the
Citi Simplicity® Card
tend to have more generous balance transfer options and can be a great option for sole proprietors and business owners with no employees.Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.74%-29.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Personal credit cards like the
Citi Simplicity® Card
tend to have more generous balance transfer options and can be a great option for sole proprietors and business owners with no employees.Citi Simplicity® Card
Read Review
Apply now
on Citibank's application
Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.74%-29.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Personal credit cards like the
Citi Simplicity® Card
tend to have more generous balance transfer options and can be a great option for sole proprietors and business owners with no employees.Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.74%-29.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Personal credit cards like the
Citi Simplicity® Card
tend to have more generous balance transfer options and can be a great option for sole proprietors and business owners with no employees.FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS FOR BALANCE TRANSFERS
U.S. Bank Business Platinum Card
0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 Billing Cycles, and then the ongoing APR of 16.24%-25.24% 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 — "Either 3% of the amount of each transfer or $5 minimum, whichever is greater
" — is on the low end, as well. The card's main drawbacks: No ongoing perks or rewards and a 3% foreign transaction fee, making it a poor choice for spending abroad.0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.74%-27.74% 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 on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.74%-27.74% Variable APR
. 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 11.49%-21.49% (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 on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 18.74%-29.49% Variable APR
Personal credit cards tend to have more generous balance transfer options and can be a great option for sole proprietors and business owners with no employees. Consider the
Citi Simplicity® Card
, which offers 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 18.74%-29.49% Variable APR
. The APR clock starts ticking when you make your first transfer, so if you plan to consolidate multiple debts onto one card, it's best to move them all at once. In addition to a long APR window, the Citi Simplicity® Card
has a $0
annual fee and no late fees or penalty rates. Learn more and apply.Last updated on February 3, 2023
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.