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Best Business Credit Cards for Balance Transfers of February 2023

Consolidate business debt and save on interest with these cards, which offer 0% interest for up to 21 months.
By Kelsey Sheehy
Last updated on January 4, 2023
Edited byChristine Aebischer

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.

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

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Here are 2 balance transfer business credit cards from our partners

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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

18.24%-27.24% 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

18.24%-28.99% Variable APR

Apply now

on Citibank's application

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

4.7
NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.24%-27.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long 0% period, a generous sign-up bonus ($
500
) and great cash-back rewards.

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.24%-27.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long 0% period, a generous sign-up bonus ($
500
) and great cash-back rewards.

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

4.7
NerdWallet rating 
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
18.24%-27.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.24%-27.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat balance transfer card, with a long 0% period, a generous sign-up bonus ($
500
) and great cash-back rewards.

Citi Simplicity® Card

4.5
NerdWallet rating 
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
18.24%-28.99% 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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.5/5
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
18.24%-28.99% 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

4.5
NerdWallet rating 
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
18.24%-28.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Citi Simplicity® Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.5/5
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
18.24%-28.99% 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.

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

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 18.24%-27.24% 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 on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.24%-27.24% 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 18.24%-28.99% 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 18.24%-28.99% 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. Learn more and apply.
Last updated on January 4, 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.