Best Business Credit Cards for Balance Transfers of 2025
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A business credit card with a 0% balance transfer period can help you save money on interest, free up cash flow and pay down your debt faster. After reviewing the available options, our top pick is the U.S. Bank Triple Cash Rewards Visa® Business Card.
🏆 Our pick: The best balance transfer business credit card
After previously striking balance transfers from their intro APR offers in July 2024, U.S. Bank reintroduced this feature on multiple cards in May 2025. We think the U.S. Bank Triple Cash Rewards Visa® Business Card is the best of the bunch.
Here's the deal: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR.
We don't like this card's hefty balance transfer fee (5% or $5, whichever is greater) and short transfer window (30 days). Still, that long intro period is part of an appealing overall package. With a solid welcome offer and uncapped bonus category rewards, this is one of best cash-back business credit cards around.
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Intro APR periods for balance transfers are somewhat uncommon for business credit cards, especially those available nationally. That makes U.S. Bank's return a welcome one. You’re more likely to find this benefit with local banks, credit unions and affiliate organizations. We’d recommend seeing if any such options are available to you (we’ve highlighted some below) and comparing their fees and terms to U.S. Bank's.
Sole proprietors could also consider a consumer credit card with a balance transfer offer, though moving company debt into your name might crunch your personal credit. A business card with 0% APR for purchases is another alternative. That could reduce new expenses so you can prioritize repaying what you already owe. But that strategy won’t work if floating purchases will leave you back in debt when that intro period ends. A business debt consolidation loan could make sense if a credit line won’t cover your full transfer. Just don't expect a 0% interest rate.
Why trust NerdWallet
Our guide to balance transfer business credit cards
How we chose the best balance transfer business credit card
NerdWallet rates business credit cards on their overall value. Factors in that evaluation include fees, rewards, eligibility criteria and other noteworthy perks. For balance transfer business credit cards, we paid particularly close attention to the following:
Key features for balance transfer business cards
🤓 How long is the intro APR period? We only considered cards with 0% intro APRs for balance transfers, with a period of a year or longer ideal.
🤓 How long do you have to transfer a balance? Even if an intro APR period lasts a year, you may not have that whole time to take advantage of it. Odds are, if you’re opening a balance transfer card, you already have the debt you plan to move. But additional flexibility is appreciated.
🤓 How much is the balance transfer fee? Most card issuers charge you to transfer a balance. This is typically either a percentage of the balance or a flat fee, whichever is more. The smaller the fee, the better.
🤓 What other benefits does the card offer? Balance transfer cards serve a distinct purpose. Still, it’s a plus when they include features like ongoing cash back that ensure you’ll use the card once its intro APR period ends.
What’s the best balance transfer business credit card?
The U.S. Bank Triple Cash Rewards Visa® Business Card is our pick for best balance transfer business credit card. Here's it's current offer: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR.
Evaluating it strictly as a balance transfer card, there are plusses and minuses. The biggest positive is the intro APR period length. Twelve months isn't the longest term we've seen — nor is it as long as U.S. Bank used to offer on this card. Still, it's competitive. The ongoing APR after that period ends is, too.
The rest of its offer is less favorable. You have to pay $5 or 5% of each balance transferred, whichever is greater. Almost all issuers charge such fees, but 5% is a couple potentially costly ticks above some providers. It's also more than the 3% U.S. Bank previously charged.
For instance, let’s say you transferred a $5,000 balance. With a 5% charge, you’d end up owing a $250 fee. If that rate was still 3%, you’d pay $100 less.
The card lacks a long runway to transfer balances as well. You have just 30 days after account opening to take advantage of that intro offer. That's one-third the time of our previous top choice, the PNC Visa® Business Credit Card. That card had no ongoing rewards, though. And those are what put the U.S. Bank Triple Cash Rewards Visa® Business Card over the top.
If you’re going to jump through the hoops of getting a new business credit card, it’s nice to have a reason to keep using it beyond tapping into extra capital. This card offers that incentive: Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
There's no limit on that cash back, making this card a lucrative option if your spending aligns with those categories. There's a good welcome bonus, too: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account. Keep in mind that transferred balances don't count toward that spending requirement.
Other balance transfer credit cards we considered
The PNC Visa® Business Credit Card was our top choice in previous versions of this guide. That card offers a 13-month 0% intro APR period on balance transfers, followed by an ongoing variable APR that currently ranges from 16.24% to 26.24%. It also has a long, 90-day transfer period. But with no ongoing rewards and a more limited footprint than U.S. Bank (only existing PNC banking customers can apply online), we give the U.S. Bank Triple Cash Rewards Visa® Business Card the overall edge.
U.S. Bank also reintroduced balance transfers on the U.S. Bank Business Platinum Card in May 2025. The main selling point for this card used to be an 18-month intro APR period. Its length now matches the one on the U.S. Bank Triple Cash Rewards Visa® Business Card — without a lower balance transfer fee, longer transfer runway or other reason to choose it. The U.S. Bank Business Platinum Card doesn't have any ongoing rewards either.
The State Farm Business Cash Rewards Visa Signature® Card is a strong option for State Farm customers (or those in the market for business insurance). This no-annual-fee card has an 0% intro APR period for 12 months for balance transfers, followed by a variable APR of 18.24% to 27.24%, with a 60-day transfer window. Each transfer has a fee of 3% (minimum $5). The card also offers 3% cash back on State Farm insurance premiums (up to $4,000) annually, as well as on the following: gas stations and electric vehicle charging stations, cell phone service providers, office supply stores and dining.
The Edward Jones Business Plus Mastercard® is another card that requires an affiliation. In this case, you need an Edward Jones financial advisor to be eligible. If you have one, you can take advantage of a 12-month 0% APR offer for balance transfers (with a variable APR of 19.24% to 29.24% thereafter). A nice added perk: If you transfer a balance within the first 60 days after account opening, the 3% transfer fee (minimum $5) is waived. This card earns ongoing Loyalty Points, with a base value of 1.5x points. Prepaid hotels and car rentals booked via Edward Jones’ travel center get the highest rate, at 4x.
Some local banks and credit unions offer business credit cards with 0% APR balance transfer periods as well. However, opening one often requires a branch visit. The Umpqua Bank Visa Business Card stands out among such options, with a 0% APR on balance transfers for a whopping 18 months (variable APR of 16.99% to 25.99% thereafter). 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.
Other regional options pair 12-month intro APRs — shorter than Umpqua Bank, but still solid — with potentially low ongoing rates. The M&T Bank Business Credit Card has an ongoing APR of 14.49% and 21.49% … Entrepreneurs in and around Hollywood can look at the Visa Platinum Business Card from First Entertainment Credit Union, with its ongoing APR of 14.99% – 22.65% ... First Citizens Bank’s Low-Interest Business credit card largely lives up to its name, with an ongoing APR of 15.24% to 24.24%.
Note that we didn’t consider cards like the Capital One Spark Cash Select, which don’t charge balance transfer fees (see rates and fees) but also don’t have a 0% intro period. (New cardholders aren't immediately eligible for transfers anyway.) Ditto cards like the Security Service Power Business MasterCard®, which offer excellent APRs on balance transfers (currently 7.90%) — just not 0% ones. Such cards could certainly save you money on higher-interest debt, but potentially not as much as those that slice your APR all the way down to zero.
Can I transfer business debt to a personal credit card?
Sole proprietors can use a personal credit card for business expenses, including transferring debt from a business credit card. In fact, you’ll get longer interest-free periods and more balance transfer card options. But use your new card exclusively for business purposes to avoid tax-related headaches.
Incorporated businesses, including single-member LLCs, should avoid using a personal credit card for business expenses. Using a card in your name, rather than the business name, could jeopardize your limited liability protections — though the personal guarantee means you’re responsible for any debt your business can’t repay anyway.
Keep in mind that moving business debt to a personal card means it will show up on your personal credit report. Transferring a big balance and slowly paying it off could affect your credit utilization ratio and drive down your credit score as a result. That won’t happen with a business credit card, as they typically only affect your personal credit in instances of non-payment.
If a personal card makes sense for you, the Wells Fargo Reflect® Card is a good choice. Its intro APR period (purchases and qualifying balance transfers) stretches nearly two years, and balances transferred within the first 120 days can qualify for that interest-free period. However, the card lacks perks and therefore doesn't provide much value beyond getting the longest interest-free period possible.
17.24%, 23.74%, or 28.99% Variable APR
For greater utility, consider the Chase Freedom Unlimited®. Its interest-free period is shorter at 15 months (balance transfers and purchases), but it offers a winning combo of a still-long intro APR and ongoing rewards. You'll earn an unlimited 1.5% cash back on almost all purchases and even more in certain bonus categories.
18.99%-28.49% Variable APR
How do balance transfer business credit cards work?
These are the steps involved in transferring a business credit card balance.
Choose a balance transfer credit card. Compare cards based on the 0% APR period, balance transfer fee and any ongoing perks or rewards. Keep in mind that issuers typically won’t let you transfer a balance from an existing card in their portfolio (or from the card’s underlying provider — for example, Elan Financial Services for the Umpqua Bank Visa Business Card), so that will affect your pool of options as well.
Note your credit limit. If you’re trying to consolidate $20,000 in credit card debt but your credit limit is $15,000, the maximum you’ll be able to transfer to the new card is $15,000 — and the issuer may not approve that entire amount. Business cards tend to come with higher limits than personal cards but may still limit how much you can transfer.
Pay the balance transfer fee. Even 0% APR balance transfer business credit cards can come with balance transfer fees. These are usually a percentage of the total balance. For instance, if you’re transferring $10,000 of credit card debt and your card charges a 5% fee, you’ll pay $500.
Pay down the transferred debt. If you’re using a 0% APR card, try to pay off your debt before that period ends. Make sure to avoid missing payments as well. Otherwise, your credit card issuer can end your interest-free period early and charge you an even higher APR as a penalty.
Pay the ongoing APR after the promotional period ends. If your 0% APR intro period lasts nine billing cycles, then during the tenth billing cycle, you’ll owe whatever ongoing interest rate your card charges on the remaining balance. For example, if you have $2,000 left to pay and your card charges a 20% APR, you’ll owe $33.14 in interest that month.
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
Business credit cards with 0% intro APR periods on balance transfers are somewhat rare.
See if your local bank or credit union has a balance transfer business card; sole proprietors could consider a personal credit card as well.
Make sure to make at least the minimum monthly payment on your new card; otherwise, the issuer could cancel your intro APR period and charge you a penalty interest rate.