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.
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.
Here are the best balance transfer business credit cards from our partners
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 Rates & Fees | 5.0/5 Best for Best overall balance transfer business card | $0 | 0% intro APR for 15 billing cycles on purchases and balance transfers | 19.24%-28.24% Variable APR | Apply now on US Bank's website Rates & Fees |
Wells Fargo Reflect® Card Apply now on Wells Fargo's website Rates & Fees | 4.5/5 Best for Sole proprietors (personal card) + long interest-free period | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 18.24%, 24.74%, or 29.99% Variable APR | Apply now on Wells Fargo's website Rates & Fees |
Chase Freedom Unlimited® Apply now on Chase's website | 5.0/5 Best for Sole proprietors (personal card) + high rewards | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 20.49%-29.24% Variable APR | Apply now on Chase's website |
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 Rates & Fees | 5.0/5 Best for Best overall balance transfer business card | $0 | 0% intro APR for 15 billing cycles on purchases and balance transfers | 19.24%-28.24% Variable APR | Apply now on US Bank's website Rates & Fees |
Wells Fargo Reflect® Card Apply now on Wells Fargo's website Rates & Fees | 4.5/5 Best for Sole proprietors (personal card) + long interest-free period | $0 | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 18.24%, 24.74%, or 29.99% Variable APR | Apply now on Wells Fargo's website Rates & Fees |
Chase Freedom Unlimited® Apply now on Chase's website | 5.0/5 Best for Sole proprietors (personal card) + high rewards | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 20.49%-29.24% Variable APR | Apply now on Chase's website |
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I'M INTERESTED IN:
Our pick for
Best overall balance transfer business card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
on US Bank's website
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
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- 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 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.
- 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 (personal card) + long interest-free period
Wells Fargo Reflect® Card
on Wells Fargo's website
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
View Rates & Fees
Our pick for
Sole proprietors (personal card) + high rewards
Chase Freedom Unlimited®
on Chase's website
Pros
- No annual fee
- Intro APR period
- High rewards rate
- No minimum redemption amount
Cons
- Requires good/excellent credit
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
U.S. Bank Business Platinum Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
PNC Visa® Business Credit Card
Wells Fargo Reflect® Card
Chase Freedom Unlimited®
- M&T Bank Business Rewards Credit Card, which offers 0% APR on balance transfers for the first 12 months. There is a 4% or $10 fee for balance transfers, whichever is higher. M&T Bank serves the mid-Atlantic states.
- First Citizens Bank Rewards Business Credit Card, which comes with 0% APR on balance transfers for the first nine months. Balance transfers come with a 3% fee ($5 minimum). First Citizens Bank has branches in 23 states.
- The Umpqua Bank Visa Business Card, which offers 0% APR on balance transfers for the first 18 months. 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.
- Choose a balance transfer credit card. Compare cards based on the 0% APR period, balance transfer fee and any ongoing perks or rewards. Only a handful of business cards offer a 0% APR period for balance transfers. Sole proprietors can consider a personal card with a 0% balance transfer offer, expanding the list of options.
- 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. Just avoid missing payments — 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.
🤓 Nerdy Tip
All business owners should keep their business and personal spending separate to avoid tax-related headaches. But incorporated businesses especially should avoid using a personal credit card for business expenses. Using a card in your own name, rather than the business name, could jeopardize your limited liability protections. See our picks for the best business credit cards for LLCs.