BEST OF

Best Business Credit Cards for Balance Transfers of December 2022

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

Aug 25, 2022

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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 December 2022

Best Business Credit Cards for Balance Transfers From Our Partners

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

17.74%-28.49% 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 17.74% - 28.49%, 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 and $0 liability on unauthorized charges.

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

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 15.74%-24.74% 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 17.74%-26.74% 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 17.74%-26.74% 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.

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 17.74%-28.49% 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 17.74%-28.49% 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.

Last updated on August 25, 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.