Do business cards allow balance transfers?

Absolutely! Most business cards allow balance transfers, and some offer introductory promotions that encourage you to perform balance transfers. These promotions include introductory APR rates or reduced balance transfer fees.

Can I transfer personal debt to an LLC?

In general, you cannot transfer personal credit card balances to a business credit card. The reverse is also true. You generally have to transfer from personal to personal or from business to business.

What is a balance transfer in business?

In credit cards, a business balance transfer is simply the process of moving an existing business credit card balance to a different credit card. Usually, this is done to avoid accruing interest fees as the debt is paid down over time.

Do balance transfers hurt your credit?

In general, balance transfers neither hurt nor help your credit. Your credit utilization ratio is not changing overall since your credit score is typically calculated based on an aggregate credit utilization ratio. Since your cumulative balances are neither increasing nor decreasing, the effect of balance transfers usually cancels itself out.

What credit score do I need to get a balance transfer credit card?

It depends. Having a better credit score is almost always better than having a poor credit score. Different banks have different criteria for these balance transfer credit cards, but many of these cards can be acquired with less-than-excellent credit.

Which bank is best for balance transfer?

The best business credit cards for balance transfers are actually not the nationwide banks you’re familiar with like American Express or Chase. Instead, regional banks often offer excellent business credit cards for balance transfers, but you need to shop around to find the best option for your situation.

The 17 Best Business Credit Cards for Balance Transfers [2024]

Updated: October 24, 2024, 9:49am CDT

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Best Business Cards for Balance Transfers — Overview
What To Look For in a Business Credit Card for Balance Transfers
The 17 Best Business Credit Cards for Balance Transfers
Final Thoughts

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As a business owner, cash flow management is a crucial component of ensuring operations run smoothly. However, unforeseen events happen often, and you might find yourself in a debt pickle.

Luckily, many credit card companies offer attractive promotions to business owners that can temporarily defer interest from accruing on existing balances. These are known as balance transfers.

As a way of getting a foot in the door for business owners, many banks offer attractive promotions for balance transfers on business credit cards, or even 0% apr credit card offers.

But finding these business credit cards can often feel like searching for a needle in a haystack, simply because there aren’t many nationwide banks offering balance transfer promotions on business credit cards.

So, we’ve done all of the research for you, and we’ve come up with the definitive list of the best business credit cards for balance transfers!

Best Business Cards for Balance Transfers — Overview

Below you’ll find a high-level look at our picks for the best credit cards for balance transfers:

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Card	Balance Transfer Benefits	Areas Served
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard^®	0% APR on balance transfers for 15 billing cycles 3% balance transfer fee (or $5, whichever is greater)	Nationwide
U.S. Bank Business Platinum Card	0% APR on balance transfers for 20 billing cycles 3% balance transfer fee (or $5, whichever is greater)	Nationwide
Edward Jones Business Plus Mastercard^®	0% APR on balance transfers for 12 billing cycles 0% introductory balance transfer fee for balances transferred within the first 60 days (after that, 3% or $5, whichever is greater)	Nationwide
Zions Bank AmaZing Cash^® Business Credit Card	0% APR on balance transfers for 12 months 3% balance transfer fee (or $5, whichever is greater)	Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington
PNC Visa^® Business Credit Card	0% APR on balance transfers for 13 months 3% balance transfer fee (or $5, whichever is greater)	Nationwide
Union Bank^® Business Platinum™ Visa^® Credit Card	0% APR on balance transfers for 6 months 3% introductory balance transfer fee or $10, whichever is greater, for balance transferred within the first 6 months (after that, 5% or $10, whichever is greater)	California, Oregon, and Washington
Bank of the West Business Mastercard^®	0% introductory APR on balance transfers for 12 months 4% balance transfer fee (or $10, whichever is greater)	Nationwide
First Citizens Bank Business Rewards Visa	0% introductory APR on balance transfers for the first 9 months 3% balance transfer fee (or $5, whichever is greater)	Arizona, California, Colorado, Florida, Georgia, Hawaii, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin
Synovus Business Visa^® Credit Card	0% introductory APR on balance transfers for the first 6 months	Alabama, Florida, Georgia, South Carolina, and Tennessee
South State Visa^® Business Card	0% introductory APR on balance transfers for the first 18 billing cycles 3% balance transfer fee (or $5, whichever is greater)	Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia
Umpqua Bank Visa^® Business Card	0% introductory APR on balance transfers for the first 18 billing cycles 3% balance transfer fee (or $10, whichever is greater)	California, Idaho, Nevada, Oregon, and Washington
MidFirst Bank Business Credit Card	0% introductory APR on balance transfers for the first 6 billing cycles 3% balance transfer fee (or $10, whichever is greater)	Arizona, Colorado, Oklahoma, and Texas
Flagstar Bank Visa^® Business Card	0% introductory APR on balance transfers for the first 18 billing cycles 3% balance transfer fee (or $5, whichever is greater)	California, Indiana, Michigan, Ohio, and Wisconsin
Evergreen^® by FNBO Business Edition^® Credit Card	0% introductory APR on balance transfers for the first 12 billing cycles 5% balance transfer fee (or $10, whichever is greater)	Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, and Texas
First Bank Business Edition^® Mastercard^® with Reward Simplicity	0% introductory APR on balance transfers for the first 12 billing cycles 5% balance transfer fee (or $10, whichever is greater)	California, Illinois, and Missouri
Atlantic Union Bank Business Card	0% introductory APR on balance transfers for the first 18 billing cycles 3% balance transfer fee (or $5, whichever is greater)	Maryland, North Carolina, and Virginia
United Community Bank Business Card	0% introductory APR on balance transfers for the first 18 billing cycles 3% balance transfer fee (or $5, whichever is greater)	Florida, Georgia, North Carolina, South Carolina, and Tennessee

What To Look For in a Business Credit Card for Balance Transfers

If you’re a business owner looking to consolidate debt from your existing business credit cards, you may benefit from a balance transfer credit card.

However, if you’re looking for one of these cards, you must look for a business balance transfer credit card — you cannot perform balance transfers from personal credit cards to business credit cards and vice-versa.

The 3 most important criteria for picking a balance transfer credit card are:

Balance transfer promotional APR
Balance transfer promotional period
Balance transfer promotional fee

So, for example, if a credit card is offering a 0% introductory balance transfer APR for 6 months with a reduced balance transfer fee of 3% instead of 5%, any balances transferred will not accrue interest fees for the first 6 months of card opening.

To expand on this, let’s say you have a balance of $25,000 and you perform a balance transfer to this new business credit card.

For the first 6 months of card opening, you won’t accumulate any credit card interest, and the fee for performing that balance transfer will be $750 (3%) instead of $1,250 (5%).

In general, most business owners look for a business credit card with 0% APR for the longest period, and this factor becomes more important if you’re looking to transfer large balances.

Another consideration to keep in mind is that you cannot transfer balances from 1 business card to another within the same financial institution.

For example, if you have a lot of debt on a U.S. Bank credit card, you can’t perform a balance transfer to another U.S. Bank credit card.

The 17 Best Business Credit Cards for Balance Transfers

Although balance transfer credit cards for personal use are relatively ubiquitous, business credit cards with 0% balance transfer APRs are surprisingly difficult to find.

In fact, it’s actually quite difficult to find nationwide banks that offer balance transfer business credit cards — most of them are regional banks.

Without further ado, let’s take a look at our favorite business credit cards for balance transfers!

Hot Tip: Almost all business credit cards that offer balance transfers have no annual fees, but they’re extremely bare-bones when it comes to benefits, so these cards are best used for the sole purpose of performing balance transfers!

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

Our top business credit card for balance transfers is offered to business owners nationwide, meaning you don’t have to worry about which state your business operates in or about finding a branch to visit in person.

Somewhat unique in its class, the U.S. Bank Business Triple Cash Mastercard earns significant rewards and offers a sizable welcome bonus.

Currently, there’s a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles. The 0% introductory APR on balance transfers applies only to balances transferred within the first 30 days of card opening, so don’t procrastinate when performing those balance transfers!

A 3% balance transfer fee will apply, and there’s a minimum of $5 per balance transferred.

On the rewards front, you’ll earn up to 5% cash back on your purchases:

5% cash-back on prepaid hotels and rental cars booked through the Travel Rewards Center
3% cash-back at gas and EV-charging stations, office supply stores, cell phone service providers, and restaurants
1% cash-back on other purchases

This card also has an annual $100 statement credit for recurring software subscription expenses.

Plus, enjoy expense management tools with Visa Spend Clarity, zero fraud liability, 24/7 fraud monitoring, no additional fee for employee cards, and no annual fee.

U.S. Bank Business Platinum Card

Yet another fabulous business credit card for balance transfers is the U.S. Bank Business Platinum card, which is also available nationwide.

The most compelling use case for this card is its extraordinarily long balance transfer APR period. You’ll get a 0% introductory APR on purchases and balance transfers for the first 20 billing cycles! There’s a 3% balance transfer fee (minimum $5).

Other perks on this card include 24/7 customer service, Visa Spend Clarity, no additional fee employee cards, mobile wallets, and contactless payments. There’s no annual fee on this card.

Edward Jones Business Plus MasterCard^®

The Edward Jones Business Plus card is available to Edward Jones financial services clients. However, if you’re not a client, you might have success reaching out to an Edward Jones financial advisor.

Currently, there’s a welcome bonus available on the card, but you’ll enjoy an attractive 0% introductory APR on balance transfers for the first 12 billing cycles, as well as a special 0% balance transfer fee for balances transferred within the first 60 days of account opening.

After that, the rate reverts back to 3% with a minimum of $5.

This card earns up to 6x Loyalty Points:

1.5x Loyalty Points on the first $40,000 spent per year
2x Loyalty Points for every dollar spent after that

You’ll also earn 4 Loyalty Points on prepaid hotels and car rentals booked through the Rewards Travel Center.

This card has travel insurance, no foreign transaction fees, purchase assurance, extended warranty, zero fraud liability, and no annual fee with at least 1 purchase per year (otherwise, the annual fee is $25).

Zions Bank AmaZing Cash^® Business Credit Card

The Zions Bank AmaZing Cash Business card is available for those based in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington.

Currently, it offers 0% introductory APR on balance transfers for the first 12 months with a 3% balance transfer fee ($10 minimum). It also has a 0% introductory APR on purchases for 6 months.

You can earn up to 3% cash-back:

3% cash-back on select business purchases, including office supplies, cellular services, internet services, telecommunications, and cable TV
2% cash-back on select business travel purchases including airlines and vehicle rentals
1% cash-back on other purchases

This credit card also has credit limits of up to $250,000 and automatic savings through Visa SavingsEdge.

There’s no annual fee on this credit card.

PNC Visa^® Business Credit Card

One of the most well-known business credit cards with balance transfer promotions is the PNC Visa Business card, which is available nationwide.

The PNC Visa Business card is offering a 0% introductory APR on balance transfers for the first 13 billing cycles, as long as the balance is transferred within the first 90 days of account opening.

The balance transfer fee is 3% with a $5 minimum.

This card doesn’t earn rewards, but you can manage your account online, keep your business purchases separate from personal, and there’s no annual fee for this card.

Union Bank^® Business Platinum™ Visa^® Credit Card

The Union Bank Business Platinum card is available in-branch only. Union Bank has branches in California, Oregon, and Washington.

With this card, you’ll get a 0% introductory APR on purchases and balance transfers for 6 months, plus an introductory balance transfer fee of 3% or $10. After that, a balance transfer fee of 5% or $10 will apply, whichever is greater.

The Union Bank Business Platinum card has zero fraud liability, emergency card replacement or cash disbursement, Visa SavingsEdge, fraud protection, secondary rental car insurance, purchase security, extended warranty, and no annual fee.

Bank of the West Business Mastercard^®

Bank of the West offers a great product known as the Bank of the West Business card. It provides a 0% introductory APR on both purchases and balance transfers for the first 12 months.

Available nationwide, this card has a 4% or $10 balance transfer fee, whichever is greater.

Get rental car insurance, emergency services, ID theft protection, mobile wallets, and up to 25% in automatic rebates through Mastercard Easy Savings.

This card has no annual fee, and you can add employee cards for no additional cost.

First Citizens Bank Business Rewards Visa

The First Citizens Bank Business Rewards card offers a welcome bonus, plus up to 3x points on select purchases:

3x points on gas
2x points at restaurants and travel
1x points on other purchases

But what you’re definitely going to be interested in is the 0% introductory APR on balance transfers and purchases for the first 9 months. Each balance transfer has a 3% fee with a $5 minimum.

Notably, this credit card also has no foreign transaction fees, purchase security, fraud protection, travel assistance, cell phone insurance, and contactless payments!

Plus, there’s no annual fee and employee cards can be added for no additional cost.

Synovus Business Visa^® Credit Card

The Synovus Business Visa card helps you simplify your expenses and get access to 0% balance transfers.

Currently, Synovus services customers in Alabama, Florida, Georgia, South Carolina, and Tennessee.

With this card, you’ll get a 0% introductory APR for the first 6 months on purchases and balance transfers, as well as overdraft protection.

There’s also the ability to earn up to 5x points:

Earn 5x points on travel purchases (up to $5,000 annually)
Earn 3x points in a Dynamic Earn category of your choice (up to $3,000 quarterly)
Earn 1x points on other purchases

You can have up to 25 total employee cards (including yourself), and this card offers travel accident insurance, rental car insurance, hotel theft protection coverage, lost luggage reimbursement, purchase security, extended warranty, and emergency evacuation and transportation coverage — all for no annual fee.

South State Visa^® Business Platinum Card

South State Bank is a Florida-based financial institution that serves consumers and business owners alike. And with the South State Visa Business Platinum card, you can save big on interest payments.

Right now, this card offers a 0% introductory APR for the first 18 billing cycles on both purchases and balance transfers, which is an exceptional duration. There’s a 3% balance transfer fee with a minimum of $5.

Covered states include Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia.

This credit card has purchase protection, fraud protection, extended warranty, zero fraud liability, secondary rental car insurance, Visa SavingsEdge discounts, no additional fee employee cards, and no annual fee.

Umpqua Bank Visa^® Business Card

The Umpqua Bank Visa Business card is a non-rewards credit card designed for business owners who need to consolidate debt, especially if your business is in California, Idaho, Nevada, Oregon, or Washington.

Right now, this card has a 0% introductory APR on purchases and balance transfers for the first 18 billing cycles. Interestingly, this credit card offers 0% APR on balances transferred up to 558 days after card opening!

The balance transfer fee is 3% or $10, whichever is greater.

There’s also no annual fee, zero fraud liability, no additional fee for employee cards, online reporting tools, and increased purchasing power.

MidFirst Bank Business Credit Card

MidFirst Bank offers 3 business cards, but the one you’ll want to focus on is the MidFirst Bank Business card, which is available for residents of Arizona, Colorado, Oklahoma, and Texas.

Applications must be submitted in person or over the phone with your current MidFirst business relationship manager.

Right now, the introductory 0% APR promotion covers both purchases and balance transfers for the first 6 billing cycles after card opening. There’s a 3% balance transfer fee and a minimum fee of $10.

Standard perks apply, including no annual fee, zero liability against unauthorized purchases, online account management, and the ability to separate business and personal expenses.

Flagstar Bank Visa^® Business Card

Flagstar Bank, which is focused primarily in the Midwest, offers a series of business credit cards. Our favorite for balance transfers is the Flagstar Bank Visa Business card, which focuses on helping business owners pay down debt.

Currently, Flagstar Bank serves clients in California, Indiana, Michigan, Ohio, and Wisconsin.

With this card, you’ll get 0% introductory APR on purchases and balance transfers for 18 billing cycles, as long as the balances are transferred within 558 days from account opening. There’s a 3% balance transfer fee with a minimum of $5.

This credit card doesn’t earn rewards, but there’s zero fraud liability, online reporting tools, free employee cards, and no annual fee.

Evergreen^® by FNBO Business Edition^® Credit Card

The Evergreen by FNBO Business Edition card is one of the business credit cards offering rewards and a welcome bonus to go along with a 0% introductory APR on balance transfers.

At the moment, this credit card has a 0% introductory APR on both purchases and balance transfers for the first 12 billing cycles. You’ll notice that there’s a 5% balance transfer fee ($10 minimum), which is slightly higher than the ordinary 3%.

FNBO currently services clients in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, and Texas.

Beyond that, this card gets you an unlimited 2% cash back on all purchases every day, everywhere, plus a welcome bonus. And every anniversary, you’ll get 10,000 bonus points after spending $10,000 in a year.

Key benefits on this card include no annual fee, access to Mastercard Easy Savings, zero fraud liability, a TurboTax discount, a QuickBooks Online discount, contactless payments, and additional employee cards at no extra cost.

First Bank Business Edition^® Mastercard^® with Reward Simplicity

First Bank, which operates in California, Illinois, and Missouri, issues a business credit card designed to help business owners maximize business transfers and earn rewards according to a simple structure.

Specifically, the First Bank Business Edition Mastercard with Reward Simplicity offers a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles with a 5% balance transfer fee ($10 minimum).

This card earns 1.5% cash back on all purchases and a small welcome bonus.

You can access your account online 24/7 and you won’t have to worry about paying an annual fee for this card.

Atlantic Union Bank Business Card

The Atlantic Union Bank Business card could be a great fit for those located in Virginia or a couple of other nearby states: Maryland and North Carolina.

Business owners focused on managing cash flow will love this product because you’ll get 0% introductory APR on purchases and balance transfers for 18 billing cycles on balances transferred within 558 days after account opening.

The balance transfer fee is 3% with a $5 minimum.

Finally, this card has perks like zero fraud liability, online expense management, cost-free employee cards, and no annual fee.

United Community Bank Business Card

The last credit card we’ll be discussing is the United Community Bank Business card.

The United Community Bank Business card could be great for business owners in Florida, Georgia, North Carolina, South Carolina, or Tennessee.

Its biggest selling point is the 0% introductory APR on purchases and balance transfers for 18 billing cycles. Balances must be transferred within 558 days of new account opening.

Keep in mind that there’s a 3% balance transfer fee, which also has a minimum of $5.

Basic credit card benefits apply, including zero liability protection for unauthorized transactions, complimentary employee cards, and no annual fee.

Final Thoughts

Finding business credit cards that offer 0% balance transfer promotions is surprisingly difficult. Because nationwide banks generally don’t offer these products, your best bet is to find regional banks that service your local area.

Overall, the best business balance transfer card for the longest possible 0% APR period is the U.S. Bank Business Platinum card, which offers an astonishing 20 months without interest.

The only business credit card we found that also has a 0% introductory balance transfer fee to go along with a 12-month 0% balance transfer APR is the Edward Jones Business Plus card.

On average, balance transfer fees are around 3%, but if you do enough digging, you can find business credit cards with a 0% balance transfer APR for a whopping 18 months!

The information for the U.S. Bank Business Platinum Card, Edward Jones Business Plus MasterCard^®, Zions Bank AmaZing Cash^® Business Credit Card, PNC Visa^® Business Credit Card, Union Bank^® Business Platinum™ Visa^® Credit Card, Bank of the West Business Mastercard^®, First Citizens Bank Business Rewards Visa, Synovus Business Visa^® Credit Card, South State Visa^® Business Platinum Card, Umpqua Bank Visa^® Business Card, MidFirst Bank Business Credit Card, Flagstar Bank Visa^® Business Card, Evergreen^® by FNBO Business Edition^® Credit Card, First Bank Business Edition^® Mastercard^® with Reward Simplicity, Atlantic Union Bank Business Card, and United Community Bank Business Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.