BEST OF

Best Business Credit Cards for Balance Transfers of October 2022

Consolidate business debt and save on interest with these cards, which offer 0% interest for up to 21 months.

Sep 22, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The best balance transfer cards for small businesses offer a long 0% APR window — anywhere from nine to 20+ months — alongside cash-back rewards and sign-up bonuses, extending the card's value beyond the introductory period. These business credit cards can be a powerful money-saving tool, allowing small-business owners to consolidate high-interest business debt and pay it off interest-free.

Some of our selections for the best balance transfer business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards from our partners that are available through NerdWallet, followed by the full list of our picks.

NerdWallet's Best Business Credit Cards for Balance Transfers of October 2022

Best Business Credit Cards for Balance Transfers From Our Partners

Our pick for

Sign-up bonus, cash-back categories

Apply now

on US Bank's website

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

4.7

NerdWallet rating 
Apply now

on US Bank's website

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

16.99%-25.99% Variable APR

Recommended Credit Score

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

Read full review
  • Limited Time Offer: 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 Travel 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 16.99% - 25.99%.

  • 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

Our pick for

Sole proprietors

Apply now

on Citibank's application

Citi Simplicity® Card

4.5

NerdWallet rating 
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

16.99%-26.99% Variable APR

Recommended Credit Score

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

Read full review
  • 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 16.99% - 26.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.

FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS FOR BALANCE TRANSFERS

0% intro APR on Purchases for 20 billing cycles and 0% intro APR on Balance Transfers for 20 Billing Cycles, and then the ongoing APR of 14.24%-23.24% 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 16.99%-25.99% 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 16.99%-25.99% 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.

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 16.99%-26.99% 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 16.99%-26.99% 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.

Last updated on September 22, 2022

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.