Best Business Credit Cards for Balance Transfers of 2024

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A business credit card with a 0% balance transfer period can help you save money on interest, free up cash flow and pay down your debt faster. Unfortunately, these business credit cards are rare — even more so after U.S. Bank struck balance transfers from their intro APR offers in July 2024.

After reviewing the available options, our top pick is the PNC Visa® Business Credit Card. It earns that spot almost by default, as no other major business credit card currently has a 0% intro APR period on balance transfers. Still, the card’s balance transfer terms are competitive with those from niche providers. And even though new PNC customers may need to call or visit a branch to apply, the card's wider availability makes it the best choice for most small-business owners.

🏆 Our pick: The best balance transfer business credit card

The PNC Visa® Business Credit Card offers a longer-than-most 13-month 0% intro period on balance transfers (purchases, too), followed by an ongoing variable APR of 17.24% to 27.24%. You also get an extra-big window — up to 90 days — to transfer balances and take advantage of that offer. But there’s a hefty balance transfer fee and no rewards. Consider it solely for paying off existing debt.

Business credit cards with intro APR periods for balance transfers are somewhat uncommon. You’re more likely to find this benefit with issuers like local banks, credit unions and affiliate organizations. We’d strongly recommend seeing if any such options are available to you (we’ve highlighted some below) and comparing their fees and terms to the PNC Visa® Business Credit Card before opting for the latter.

Sole proprietors could also consider a consumer credit card with a balance transfer offer, though moving company debt into your name might crunch your personal credit. A business card with 0% APR for purchases is another alternative. That could reduce new expenses so you can 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. A business debt consolidation loan could make sense if a credit line won’t cover your full transfer. Just don't expect a 0% interest rate.

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Our guide to balance transfer business credit cards