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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
January 3, 2022
*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated January 3, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
If you’ve ever used credit cards to help fund your business expenses, you probably know how easy it is to rack up a large amount of debt quickly. A balance transfer credit card can provide a great opportunity to transfer high-interest debt to a card with a lower interest rate — helping you save money and pay off debt faster.
While there are a good handful of business credit cards that allow balance transfers, there are very few that offer 0% intro APRs on balance transfers. Based on our research of cards available through LendingTree, as well as the top cards offered by issuers, we compiled a list of the best business credit cards for balance transfers for the following categories.
The U.S. Bank Business Platinum Card offers a 0% intro APR on balance transfers for 20 billing cycles; after, a 14.24% - 23.24% (variable) APR applies. The card’s balance transfer fee is Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
There’s also a lengthy 0% intro APR on purchases for 20 billing cycles, after which a 14.24% - 23.24% (variable) APR applies.
The U.S. Bank Business Platinum Card is ideal for business owners who need a long interest-free period to pay off other high-interest debt, since it offers one of the longest intro APR periods on balance transfers currently available for a business credit card.
The card doesn’t offer a rewards program — but when your goal is to pay down debt, it’s best to focus on paying off your transferred balance in full within the promotional period rather than racking up rewards. However, once you’ve taken advantage of the balance transfer promotion, this may be a good card to keep around, as it carries a very reasonable APR once the promotion expires.
Plus, the U.S. Bank Business Platinum Card comes with a $0 annual fee.
The U.S. Bank Business Platinum Card offers a 0% intro APR on balance transfers for 20 billing cycles; after, a 14.24% - 23.24% (variable) APR applies. The card’s balance transfer fee is Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
There’s also a lengthy 0% intro APR on purchases for 20 billing cycles, after which a 14.24% - 23.24% (variable) APR applies.
The U.S. Bank Business Platinum Card is ideal for business owners who need a long interest-free period to pay off other high-interest debt, since it offers one of the longest intro APR periods on balance transfers currently available for a business credit card.
The card doesn’t offer a rewards program — but when your goal is to pay down debt, it’s best to focus on paying off your transferred balance in full within the promotional period rather than racking up rewards. However, once you’ve taken advantage of the balance transfer promotion, this may be a good card to keep around, as it carries a very reasonable APR once the promotion expires.
Plus, the U.S. Bank Business Platinum Card comes with a $0 annual fee.
Check out our review of the U.S. Bank Business Platinum Card
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® comes with an APR of 0% intro on balance transfers for 15 billing cycles, then a 16.24% - 25.24% (variable) APR applies. The card charges a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
In addition, cardholders receive a 0% Intro APR for 15 billing cycles on purchases, then a 16.24% - 25.24% (variable) applies.
If you’re a business owner looking for a reasonable intro APR period and strong ongoing value after the intro period ends, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® could be a good fit.
The card offers cashback rewards in popular business spending categories: 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.
This $0 annual fee card also offers a sign-up bonus: 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.
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® comes with an APR of 0% intro on balance transfers for 15 billing cycles, then a 16.24% - 25.24% (variable) APR applies. The card charges a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
In addition, cardholders receive a 0% Intro APR for 15 billing cycles on purchases, then a 16.24% - 25.24% (variable) applies.
If you’re a business owner looking for a reasonable intro APR period and strong ongoing value after the intro period ends, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® could be a good fit.
The card offers cashback rewards in popular business spending categories: 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.
This $0 annual fee card also offers a sign-up bonus: 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.
The PNC Visa® Business Credit Card offers an intro 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening, after which a 10.74% to 20.74% variable APR applies.
The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.
Keep in mind, however, that while the PNC Visa® Business Credit Card offers a reasonable ongoing APR after the balance transfer intro APR period ends, it does not offer an intro APR on purchases or a rewards program.
If there’s a chance you won’t be able to pay off the entire transferred amount before the introductory period ends, the PNC Visa® Business Credit Card may be a good fit. It offers the lowest ongoing balance transfer APR of the cards listed in this post: 10.74% to 20.74% variable.
In addition, the PNC Visa® Business Credit Card charges a $0 annual fee.
The PNC Visa® Business Credit Card offers an intro 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening, after which a 10.74% to 20.74% variable APR applies.
The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.
Keep in mind, however, that while the PNC Visa® Business Credit Card offers a reasonable ongoing APR after the balance transfer intro APR period ends, it does not offer an intro APR on purchases or a rewards program.
If there’s a chance you won’t be able to pay off the entire transferred amount before the introductory period ends, the PNC Visa® Business Credit Card may be a good fit. It offers the lowest ongoing balance transfer APR of the cards listed in this post: 10.74% to 20.74% variable.
In addition, the PNC Visa® Business Credit Card charges a $0 annual fee.
The Wells Fargo Business Platinum Credit Card offers an intro 0% APR for 9 months on balance transfers, after which its regular variable APR of Prime + 7.99% to Prime + 17.99% kicks in. However, the balance transfer fee is high, at 4% or $10, whichever is greater.
This card also offers an intro period on purchases of 0% APR for 9 months, then variable APR of Prime + 7.99% to Prime + 17.99%.
We don’t recommend new purchases on a card while you’re paying off a transferred balance. However, if you’re a business owner looking to earn a competitive flat rate on every purchase after first paying off your balance transfer, you may appreciate the Wells Fargo Business Platinum Credit Card. This card lets you earn 1.5% cash back on qualifying purchases or earn 1 point on every $1 spend and receive 1,000 bonus points every billing cycle when you spend at least $1,000 on qualifying purchases.
Be aware, though, that the Wells Fargo Business Platinum Credit Card has the shortest intro APR period of any card on this list — so you’ll want to do the math to make sure you can pay off the transferred balance within that time frame.
The Wells Fargo Business Platinum Credit Card offers an intro 0% APR for 9 months on balance transfers, after which its regular variable APR of Prime + 7.99% to Prime + 17.99% kicks in. However, the balance transfer fee is high, at 4% or $10, whichever is greater.
This card also offers an intro period on purchases of 0% APR for 9 months, then variable APR of Prime + 7.99% to Prime + 17.99%.
We don’t recommend new purchases on a card while you’re paying off a transferred balance. However, if you’re a business owner looking to earn a competitive flat rate on every purchase after first paying off your balance transfer, you may appreciate the Wells Fargo Business Platinum Credit Card. This card lets you earn 1.5% cash back on qualifying purchases or earn 1 point on every $1 spend and receive 1,000 bonus points every billing cycle when you spend at least $1,000 on qualifying purchases.
Be aware, though, that the Wells Fargo Business Platinum Credit Card has the shortest intro APR period of any card on this list — so you’ll want to do the math to make sure you can pay off the transferred balance within that time frame.
The Edward Jones Business Plus MasterCard Credit Card offers a 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After this time period, an APR of 16.49% to 27.49% (variable) applies.
This card comes with the following balance transfer fee: 0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum.
Edward Jones Business Plus MasterCard Credit Card holders also earn Earn points for every $2 spend on up to $40,000 and 2 points on every $1 spent over $40,000. Plus, new cardholders can earn 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening.
Along with offering an intro APR on balance transfers for a year, the Edward Jones Business Plus MasterCard Credit Card doesn’t charge a balance transfer fee for balances transferred within the first 60 days.
The Edward Jones Business Plus MasterCard Credit Card comes with a $0 annual fee. The card also charges foreign transaction fees of 1% of each foreign transaction.
Note, however, that the Edward Jones Business Plus MasterCard Credit Card is only available to current Edward Jones customers. To apply, you can either ask your Edward Jones financial advisor, or log in your account and visit the loans & credit section under the accounts tab.
The Edward Jones Business Plus MasterCard Credit Card offers a 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After this time period, an APR of 16.49% to 27.49% (variable) applies.
This card comes with the following balance transfer fee: 0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum.
Edward Jones Business Plus MasterCard Credit Card holders also earn Earn points for every $2 spend on up to $40,000 and 2 points on every $1 spent over $40,000. Plus, new cardholders can earn 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening.
Along with offering an intro APR on balance transfers for a year, the Edward Jones Business Plus MasterCard Credit Card doesn’t charge a balance transfer fee for balances transferred within the first 60 days.
The Edward Jones Business Plus MasterCard Credit Card comes with a $0 annual fee. The card also charges foreign transaction fees of 1% of each foreign transaction.
Note, however, that the Edward Jones Business Plus MasterCard Credit Card is only available to current Edward Jones customers. To apply, you can either ask your Edward Jones financial advisor, or log in your account and visit the loans & credit section under the accounts tab.
Credit card | Best for | Balance transfer intro APR | Balance transfer ongoing APR |
---|---|---|---|
U.S. Bank Business Platinum Card | Overall | 0% intro APR on balance transfers for 20 billing cycles | 14.24% - 23.24% (variable) |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Business expenses | 0% intro on balance transfers for 15 billing cycles | 16.24% - 25.24% (variable) |
PNC Visa® Business Credit Card | Low ongoing APR | 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening | 10.74% to 20.74% variable |
Wells Fargo Business Platinum Credit Card | Simple rewards structure | 0% APR for 9 months on balance transfers | Variable APR of Prime + 7.99% to Prime + 17.99% |
Edward Jones Business Plus MasterCard Credit Card | No balance transfer fee | 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening intro APR for 12 billing cycles | 16.49% to 27.49% (variable) |
The information related to the U.S. Bank Business Platinum Card, PNC Visa® Business Credit Card, Wells Fargo Business Platinum Credit Card and Edward Jones Business Plus MasterCard Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
To select the best card for each of these categories, our credit card experts compared balance transfer credit cards on LendingTree.com and on major issuer and credit union sites. We should note the following: While the number of credit cards that offer 0% intro APRs on balance transfers is currently very limited, the amount of balance transfer cards that charge a $0 balance transfer fee is even less.
We chose our top picks primarily based on factors like the length of the intro APR period on balance transfers and the balance transfer fee.
Other factors that come into play when making our selection may include the annual fee, rewards program and benefits offered by the card.
Moving debt via a balance transfer from a high-interest credit card to one with an intro APR period can often save you money, even if you have to pay a balance transfer fee. But before choosing a balance transfer card to apply for, make sure to do the math — and ask yourself the following questions:
By answering the questions above, you can ensure a smooth balance transfer experience, pay off your transferred balance before the regular APR kicks in and get ongoing value from your new business credit card.
A balance transfer is a transaction that involves moving high-interest debt to another credit card. Since balance transfer credit cards offer introductory APRs that are typically much lower than standard interest rates, they provide a means to pay down your debt more quickly, since they allow more of your payments to go toward the debt principal rather than the principal plus interest.
Most balance transfer cards charge a fee when you transfer an existing balance to the new card, one that typically ranges from 3% to 5% of the amount of each transfer.
The balance transfer fee is added to the card balance at the time of your transfer, so you can pay the fee over time as you pay down your transferred balance.
The best credit card for your business depends on how you plan to use the card. For example, if you need to transfer high-interest credit card debt, a business card that offers a 0% intro APR on balance transfers for a year or longer is ideal. But if you need to finance large business expenses, like company travel or equipment, a card with a 0% intro APR on purchases for an extended period of time may be a better fit.
Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field.
Before joining LendingTree in 2019, Tracy worked as a products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.
Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.
She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.
Tracy studied marketing at the Ohio State University and Florida International University.
Read MoreThe above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.