Best Business Credit Cards for Balance Transfers of 2025

How we chose the best balance transfer business credit card

NerdWallet's editorial team rates business credit cards on their overall value. We consider factors like fees, rewards, eligibility criteria and other noteworthy perks.

Our writers and editors monitor 70+ business cards. To find the best balance transfer option among them, we looked at the following:

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. Its key balance transfer features:

• Intro APR length: 12 billing cycles.

• Ongoing variable APR: 17.74%-26.74%.

• Balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

• Time to transfer balance: 30 days.

Evaluating it strictly as a balance transfer card, there are plusses and minuses. But the math changes if you look at the card overall. Here are the key points.

The length is competitive

Twelve months isn't the longest term we've seen — nor is it as long as U.S. Bank used to offer. (The issuer ended intro APRs for balance transfers in July 2024, only to reintroduce this feature in May 2025.) Still, that length matches the industry standard. And the ongoing APR range is reasonable.

The transfer fee, less so

You have to pay $5 or 5% of each balance transferred, whichever is greater. Almost all issuers charge such fees, but 5% is more than some providers. It's also more than what U.S. Bank charged before (3%).

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.

It lacks a long transfer runway

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. That's what put the U.S. Bank Triple Cash Rewards Visa® Business Card over the top.

The other perks are great

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 Travel Center when using your card.

There's no limit on that cash back. That makes this card a lucrative option if your spending aligns with those categories. There's a good welcome bonus, too: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 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. But it has no ongoing rewards and a more limited footprint than U.S. Bank. (Only existing PNC banking customers can apply online.)

Key balance transfer features:

• Intro APR length: 13 months.

• Ongoing variable APR: 16.24% - 26.24%.

• Balance transfer fee: Greater of $5 or 5% of the transfer.

• Time to transfer balance: 90 days.

The Huntington Bank Voice Business Credit Card is a strong option if you live in the bank's service area. That's 13 states, mostly in the Midwest and Southeast U.S.

You choose a 4% cash-back category from a list of 10. Those include rare options for business cards, like warehouse stores (e.g., Costco or Walmart). You earn that rate on up to $7,000 spent per quarter, or $28,000 annually (1% thereafter). That cap is competitive. But it falls short of the U.S. Bank Triple Cash Rewards Visa® Business Card's unlimited cash back.

Key balance transfer features:

• Intro APR length: 12 months.

• Ongoing variable APR: 15.24% - 26.24%.

• Balance transfer fee: Greater of $10 or 3% of the transfer.

• Time to transfer balance: 90 days.

U.S. Bank 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. But its length now matches the U.S. Bank Triple Cash Rewards Visa® Business Card.

Without a lower balance transfer fee or longer transfer runway, there's no compelling reason to choose it. This card has no ongoing rewards either.

Key balance transfer features:

• Intro APR length: 12 Billing Cycles.

• Ongoing variable APR: 16.74%-25.74%.

• Balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

• Time to transfer balance: 30 days.

You have to be a State Farm customer to get the State Farm Business Cash Rewards Visa Signature® Card. If that's you, this card is a solid choice. You get 3% cash back on State Farm insurance premiums (up to $4,000) annually.

U.S. Bank issues this card, and the rest of the rewards mirror the U.S. Bank Triple Cash Rewards Visa Business Card. You get the same 3% cash back on gas stations and electric vehicle charging stations (transactions under $200), cell phone service providers, office supply stores and dining.

Key balance transfer features:

• Intro APR length: 12 months.

• Ongoing variable APR: 18.24% - 27.24%.

• Balance transfer fee: Greater of $5 or 3% of the transfer.

• Time to transfer balance: 60 days.

Some smaller 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 Columbia Bank Business Card (formerly the Umpqua Bank Visa Business Card) stands out among such options. It has 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. Columbia Bank has branches in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah and Washington. Elan Financial Services issues this card.

Other regional options pair 12-month intro APRs 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 mostly lives up to its name. Its ongoing APR of 15.24% to 24.24%.

Note that we didn’t consider cards that don't charge balance transfer fees, but also don't have a 0% intro period. For instance, the Capital One Spark Cash Select. (New cardholders aren't immediately eligible for transfers anyway.)

Ditto cards like the Security Service Power Business MasterCard® that offer excellent APRs on balance transfers (currently 7.90%) — just not 0% ones. Such cards could save you money on higher-interest debt. But not as much as those that slice your APR to zero.

What is a balance transfer business credit card?

A balance transfer business credit card is a debt-consolidation tool. These cards allow business owners to combine debt — ideally at a lower interest rate — and repay it over time.

Balance transfer cards offer convenience. You may be able to pay one bill, instead of juggling multiple creditors. But the main benefit is saving money. Some cards pair balance transfer offers with 0% intro APR periods. Your balance won't accrue interest during that time. This can not only decrease what you owe, but also free up cash flow.

Who can get a balance transfer business card?

Most business credit cards require at least good personal credit to qualify. That's a FICO score starting at 690. Factors like time in business and annual revenue are less important for approvals. In fact, you can get a business credit card without a business.

Business financials can affect your credit limit, though. That could matter if you want to transfer a hefty balance.

Also, even if you qualify for a card, you may not qualify for the balance transfer you want. Issuers must approve these requests. They may not OK the full transfer amount. You also typically can't move debt among cards from the same issuer.

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. That includes cards from any underlying provider — for example, Elan Financial Services for the Columbia Bank Business Card. This will affect your pool of options as well.

• Note your credit limit. If your credit limit is $15,000, that's the maximum you’ll be able to transfer to the new card. And the issuer may not approve that entire amount.

• Transfer your debt. You'll submit this request to the card issuer. You may have limited time to do this and get 0% interest. This window may be as small as 30 days.

• 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. Otherwise, your credit card issuer can end your interest-free period early. They can charge you an even higher APR as a penalty as well.

• 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.

What alternative debt consolidation options are there for businesses?

The main alternative is a business debt consolidation loan. These loans require good credit and healthy business financials. Going this route could make sense if a credit line won’t cover your full transfer. Business debt consolidation loans can reach six figures. You won't get that from a credit card issuer. The trade-off? A loan may lower your APR, but not to 0%.

You could consider a business card with 0% APR for purchases as well. More of those cards are available. This wouldn't consolidate your debt, but it could reduce new expenses. In turn, you could 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.

Sole proprietors could also consider a consumer credit card with a balance transfer offer. However, moving company debt into your name might crunch your personal credit.

Can you transfer business debt to a personal credit card?

Sole proprietors can use a personal credit card for business expenses. That includes transferring debt from a business credit card. There are some benefits to this strategy:

• There are more balance transfer cards for consumers.

• These cards tend to have longer interest-free periods.

But personal cards also tend to have lower credit limits than business cards. You may be unable to transfer your full balance as a result. You'll also want to use your new card exclusively for business purposes. Otherwise, you could run into headaches trying to spot tax deductions.

Should some businesses not use personal cards?

Incorporated businesses, including single-member LLCs, should avoid using a personal credit card for business expenses. Even if that card has a great balance transfer offer, the risk outweighs the reward.

Using a card in your name, rather than the business name, could jeopardize your limited liability protections. Also, most business cards require a personal guarantee. That means you’d be individually responsible for any debt on the card anyway.

Will transferring business debt to a personal card affect your credit?

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. That may drive down your credit score as a result.

This won’t happen if you use a business credit card with 0% intro APR period. Business cards typically only affect your personal credit in instances of non-payment.

What are some good personal cards for business owners?

If a personal card makes sense for your business, the Wells Fargo Reflect® Card is a good choice. The card lacks perks. But it will give you one of the longest interest-free period possible.

Key balance transfer details:

• Intro APR length: 21 Months.

• Ongoing variable APR: 16.99%, 23.49%, or 28.74%.

• Balance transfer fee: 5%, min: $5.

• Time to transfer balance: 120 days.

For greater utility, consider the Chase Freedom Unlimited®. Its interest-free period is shorter, 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.

Key balance transfer details:

• Intro APR length: 15 Months.

• Ongoing variable APR: 18.99%-28.49%.

• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

• Time to transfer balance: No limit.

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