The 11 Best Business Credit Cards for Balance Transfers [2026]

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:

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 11 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 Triple Cash Rewards Visa^® Business Card

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 Triple Cash Visa Business card earns significant rewards and offers a sizable welcome bonus.

Currently, there’s a 0% introductory APR on purchases and balance transfers for the first 12 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 5% 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 (on purchases of $200 or less), 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 Shield™ Visa^® Card

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

The most compelling use case for this card is its balance transfer APR period. You’ll get a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles! However, if you visit a U.S. Bank branch to apply in person, you may get 18 billing cycles. There’s a 5% balance transfer fee (minimum $5).

There’s no annual fee for the U.S. Bank Business Shield card, and the benefits include purchase protection, 5% cash-back on prepaid air, hotel, and car rentals made through the U.S. Bank Travel Center, a $50 annual statement credit after spending at least $5,000 in the U.S. Bank Travel Center, and zero fraud liability.

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 5% 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.

First Citizens Bank Business Rewards Visa

Cardholders of the First Citizens Bank Business Rewards card earn up to 3x points per $1 spent on select purchases:

• 3x points on gas
• 2x points at restaurants and on 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 Rewards Visa^® Credit Card

The Synovus Business Rewards 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 is no fee for balance transfers.

There’s also the ability to earn up to 3x points:

• Earn 3x points per $1 spent in a Dynamic Earn category of your choice (up to $3,000 quarterly)
• Earn 1x points per $1 spent on other purchases, with no cap

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.

SouthState Visa^® Business Zero+ Card

SouthState Bank is a Florida-based financial institution that serves consumers and business owners alike. And with the SouthState Visa Business Zero+ 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 an introductory 3% balance transfer fee with a minimum of $5.

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

This credit card has cell phone protection, purchase security, fraud protection, extended warranty, zero fraud liability, rental car insurance, no-additional-fee employee cards, and no annual fee.

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 Business Edition^® Visa^® Card with Reward Simplicity

Flagstar Bank offers 2 business credit cards. Our favorite for balance transfers is the Flagstar Bank Business Visa with Reward Simplicity, which has no annual fee and offers unlimited rewards — cardholders earn 1.5x points per $1 spent on eligible purchases — alongside an intro 0% APR on purchases and balance transfers for 6 months. 

Currently, Flagstar Bank serves clients in Arizona, California, Florida, Indiana, Michigan, New Jersey, New York, Ohio, and Wisconsin.

Rewards are redeemable for cash back, gift cards, travel, or merchandise. Card benefits include extended warranty, auto rental insurance, zero liability for fraudulent charges, and roadside dispatch.

First Bank Business Platinum Mastercard^®

First Bank, which operates in California, Illinois, Kansas, and Missouri, has the First Bank Business Platinum card, a business credit card designed to help business owners consolidate debt to pay it off faster.

The First Bank Business Platinum card offers a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles with a 3% balance transfer fee ($10 minimum).

The card does not earn rewards on spending, but has no annual fee and comes with Mastercard benefits like ID theft protection and car rental coverage, plus there is no additional fee for employee cards.

Atlantic Union Bank Visa^® Business Cash Preferred Card

The Atlantic Union Bank Visa Business Cash Preferred card could be a great fit for those located in Virginia, Maryland, North Carolina, or Washington, D.C., who don’t need a long 0% intro APR period on balance transfers and want to earn rewards on their future spending.

The card offers a 0% introductory APR on purchases and balance transfers for 6 billing cycles on balances transferred within 186 days after account opening. The introductory balance transfer fee is 3% with a $5 minimum.

The Atlantic Union Bank Visa Business Cash Preferred card has no annual fee, and cardholders can earn 3% cash-back on gas and EV charging stations (when the transaction is $200 or less and excluding discount stores/supercenters and wholesale clubs), cell phone service providers, office supply stores, and dining, including takeout and food delivery. 

Another benefit of the card is a $100 annual statement credit if you make a software purchase for 11 consecutive months.

Huntington Voice Business Credit Card℠

With the ability to earn rewards on common business expenses alongside a 0% intro APR on balance transfers for 12 months, the Huntington Voice Business card is worth considering if you reside in one of the 13 states Huntington Bank operates in. 

Balance transfers must be completed within the first 90 days of account opening to qualify for the 0% intro APR. There is a balance transfer fee of 3% or $10, whichever is greater.

The Huntington Voice Business card has no annual fee, and cardholders can earn 4% cash-back in the category of their choice (there are 10 to choose from) on up to $7,000 in purchases per quarter. Other eligible purchases earn 1% cash-back.

Card benefits include no foreign transaction fees, Late Fee Grace, contactless payments, no additional fee employee cards, and zero liability fraud protection.

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 will have at least a 12-month 0% APR period.

On average, balance transfer fees are around 3%, but if you do enough digging, you may find business credit cards with a 0% balance transfer APR.

The information for the PNC Visa^® Business Credit Card, First Citizens Bank Business Rewards Visa, Synovus Business Rewards Visa^® Credit Card, SouthState Visa^® Business Zero+ Card, MidFirst Bank Business Credit Card, Flagstar Bank Business Edition^® Visa^® Card with Reward Simplicity, First Bank Business Platinum Mastercard^®, and Atlantic Union Bank Visa^® Business Cash Preferred Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.