9 Best Business Credit Cards for Balance Transfers for 2023
This article is part of a larger series onBest Small Business Credit Cards.
Editor’s note:This is a recurring post with regularly updated card details.
A balance transfer credit card is a great way to help you pay down existing high-interest debts from another credit card. The best business credit cards for balance transfers are those that offer a long introductory 0% annual percentage rate (APR) period, have low fees and ongoing interest rates, and let you earn lucrative rewards on everyday purchases.
Here are the nine best business credit cards for balance transfer transactions:
- 美国商业银行ness Platinum Card:Best overall business credit card for balance transfer with 0% APR for 18 months
- 美国商业银行ness Triple Cash Rewards World Elite Mastercard:Best for earning up to 5% cash back with 0% APR for 15 months
- Bank of the West Business Mastercard®:Best for 0% balance transfer APR for 12 months with up to 25% exclusive savings
- Edward Jones Business Plus Mastercard:Best for no balance transfer fee and 0% APR for 12 months
- Citi Simplicity® Card:Best personal card with interest-free balance transfers for 21 months
- M&T Business Rewards Credit Card:Best for 0% APR for 12 months with unlimited cash back
- PNC Visa Business Credit Card:Best for low ongoing APR and 0% balance transfer APR for 13 months
- United Community Bank Business Card:Best for 0% APR for 18 months for balances transferred within 558 days
- 第一国民银行业务奖励签证:Best for lucrative welcome bonus points and 0% APR for nine months
Best Business Credit Cards for Balance Transfers at a Glance
Best For |
Annual Fee |
Introductory Bonus |
Ongoing Rewards |
|
---|---|---|---|---|
美国商业银行ness Platinum Card
|
Best overall business credit card for balance transfer with 0% APR for 18 months |
$0 |
None |
None |
Credit Needed:Good to Excellent |
||||
美国商业银行ness Triple Cash Rewards World Elite Mastercard
|
Earning up to 5% cash back with 0% APR for 15 months |
$0
|
$500 cash back when you spend $4,500 in the first 150 days |
Up to 5% cash back |
Credit Needed:Good to Excellent |
||||
Bank of the West Business Mastercard®
|
0% balance transfer APR for 12 months with up to 25% exclusive savings |
$0
|
None
|
No rewards on purchases—only up to 25% rebates on select merchants through Mastercard Savings |
Credit Needed:Good to Excellent |
||||
Edward Jones Business Plus Mastercard
|
No balance transfer fee and 0% APR for 12 months |
$25 |
15,000 points after spending $1,000 within 90 days |
Up to 6x points |
Credit Needed:Good to Excellent |
||||
Citi Simplicity® Card
|
Personal card with interest-free balance transfers for 21 months |
$0
|
None
|
None
|
Credit Needed:Good to Excellent |
||||
M&T Business Rewards Credit Card
|
0% APR for 12 months with unlimited cash back |
$0
|
None
|
Up to 2% cash back |
Credit Needed:Good to Excellent |
||||
PNC Visa Business Credit Card
|
Low ongoing APR and 0% balance transfer APR for 13 months |
$0
|
None
|
None
|
Credit Needed:Good to Excellent |
||||
United Community Bank Business Card
|
Best for 0% APR for 18 months for balances transferred within 558 days |
$0
|
None |
None |
Credit Needed:Good to Excellent |
||||
第一国民银行业务奖励签证
|
Best for lucrative welcome bonus points and 0% APR for nine months |
$0
|
10,000 bonus points after spending $3,000 in the first 90 days |
Up to 3x points |
Credit Needed:Good to Excellent |
||||
To see how these cards stack up against others we reviewed on our site, clickAdd to Compareon the card below and choose up to two additional cards for comparison.
美国商业银行ness Platinum Card: Best Overall Business Credit Card for Balance Transfer With 0% APR for 18 Months
美国商业银行ness Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
- 美国商业银行ness Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials:SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection:U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan:This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity:Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 美国商业银行ness Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials:SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection:U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan:This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity:Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Why we like it:If your top goal is to transfer over high balances and pay them down over a longer term, the U.S. Bank Business Platinum Card should be your first choice. Transfer your balance within 30 days after opening an account and enjoy a 0% introductory APR that lasts for an entire 18 billing cycles.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 18 billing cycles
- Ongoing balance transfer APR:16.99% to 25.99% variable
- Balance transfer fee:$5 minimum or 3% of the transfer, whichever is greater
Other benefits:
- It comes with no annual fee.
- You can monitor expenses with the Visa Business Reporting tool.
- Its 0% introductory APR period of 18 months also applies to purchases, making it a great option if you need to make a significant purchase. This is the reason why it is also ourleading 0% APR business credit card.
The best way to use this card is to help pay down debt or finance large business purchases, as it doesn’t offer introductory bonuses and ongoing rewards. If you prefer to earn rewards while enjoying a long 0% APR period on balance transfers, consider the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard, the next card in this guide.
美国商业银行ness Triple Cash Rewards World Elite™ Mastercard: Best for Earning Up to 5% Cash Back With 0% APR for 15 Months
美国商业银行ness Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Why we like it:With the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard, you will benefit from an introductory 0% APR on balance transfers and purchases for 15 months. To take advantage of the 0% APR on balance transfers, you should transfer your balance within 30 days of opening an account.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 15 billing cycles
- Ongoing balance transfer APR:18.99% to 27.99% variable
- Balance transfer fee:$5 minimum or 3% of the transfer, whichever is greater
Other benefits:
- It offers a substantial rewards program:
- 5% cash backon prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash backat gas stations, office supply stores, and mobile phone service providers
- 1% cash backon all other eligible purchases
- You’ll earn $500 cash back when you spend $4,500 in the first 150 days.
- You’ll receive a $100 annual statement credit for recurring software subscriptions.
- It comes with no annual fee—with its generous rewards and long 0% APR period, it is our top choice for thebest business credit cards with no annual fee.
最好是对那些通常在路上because of its generous rewards on mobile phone service providers, dining, and fuel—making it ourleading fuel card for small businesses. It is also one of ourtop-recommended small business credit cardsand a great option for businesses that typically spend on office supplies.
Bank of the West Business Mastercard®: Best for 0% Balance Transfer APR for 12 Months With Up to 25% Exclusive Savings
Bank of the West Business Rewards Mastercard®
BEST FOR:
Those based in the Western part of the country
- Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
- 2X Points for every dollar spent on everyday qualifying purchases
- 起床to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®
Pros
- No annual fees
- 0% introductory APR
- Access via mobile app
Cons
- Charges foreign transaction fees
- Branches are only available in 19 states
- Zelle®:This is a unique feature within the Bank of the West’s mobile app that allows businesses to send and receive payments.
- Zero liability protection:Bank of the West also offers Zero liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
- Automatic alerts:You can receive automatic text messages to inform you of your credit card activities
- Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
- 2X Points for every dollar spent on everyday qualifying purchases
- 起床to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®
Pros
- No annual fees
- 0% introductory APR
- Access via mobile app
Cons
- Charges foreign transaction fees
- Branches are only available in 19 states
- Zelle®:This is a unique feature within the Bank of the West’s mobile app that allows businesses to send and receive payments.
- Zero liability protection:Bank of the West also offers Zero liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
- Automatic alerts:You can receive automatic text messages to inform you of your credit card activities
Why we like it:The Bank of the West Business Mastercard® allows you to transfer a balance from another credit card at 0% APR for the first 12 billing cycles. This interest-free financing term also applies to purchases. It is a simple business credit card that offers up to 25% exclusive savings through automatic rebates on gas, dining, hotels, car rentals, and other merchants with the Mastercard Easy Savings® Program.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 12 months
- Ongoing balance transfer APR:Prime rate plus 8.74% variable
- Balance transfer fee:$10 minimum or 4% of the transfer, whichever is greater
Other benefits:
- You can add employee cards at no additional cost.
- It also lets you stay on top of your business finances with QuickBooks and Quicken integration.
- You can add the card to any mobile wallet to make secure payments virtually anywhere.
With Bank of the West Business Mastercard, you can enjoy additional Mastercard advantages like Master Car Rental Insurance, Mastercard Global Emergency Services, and Mastercard ID Theft Protection. It’s worth noting that the card does not offer introductory and ongoing rewards.
Edward Jones Business Plus Mastercard®: Best for No Balance Transfer Fee & 0% APR for 12 Months
- 1.5 Loyalty Points for every $1 spent on eligible net purchases up to $40,000
- 2 Loyalty Points for every $1 spent on eligible net purchases over $40,000 in the same year
- 4 Bonus Loyalty Points on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center
Pros
- Sign up bonus
- Introductory 0% APR and $0 fee on balance transfers
- No annual fee option
Cons
- No 0% APR on purchases
- High purchase requirements to earn higher rewards
- 全球旅游意外保险
- Free credit score access
- Online and mobile banking
- Zero fraud liability
- Extended warranty and purchase protection
- 1.5 Loyalty Points for every $1 spent on eligible net purchases up to $40,000
- 2 Loyalty Points for every $1 spent on eligible net purchases over $40,000 in the same year
- 4 Bonus Loyalty Points on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center
Pros
- Sign up bonus
- Introductory 0% APR and $0 fee on balance transfers
- No annual fee option
Cons
- No 0% APR on purchases
- High purchase requirements to earn higher rewards
- 全球旅游意外保险
- Free credit score access
- Online and mobile banking
- Zero fraud liability
- Extended warranty and purchase protection
Why we like it:The Edward Jones Business Plus Mastercard® is the only business credit card on this list that offers a $0 introductory balance transfer fee for balances transferred within the first 60 days from opening an account. This is on top of the 0% introductory balance transfer APR for the first 12 billing cycles.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 12 billing cycles
- Ongoing balance transfer APR:19.99% to 29.99% variable
- Balance transfer fee:$0 for balances transferred within 60 days of account opening, then $5 or 3% of the balance transfer amount, whichever is greater
Other benefits:
- It has no annual fee for the first year, and the fee will be waived as long as you make at least one purchase using your card each year. Otherwise, a $25 annual fee is charged.
- During a 12-month billing cycle, you can earn:
- 1.5% cash backon eligible purchases up to $40,000
- 2% cash backon purchases over $40,000
- 4x bonus pointsper dollar on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center—this is on top of your regular rewards.
- It offers 15,000 points after you spend $1,000 within 90 days of opening an account.
- It doesn’t charge foreign transaction fees when using the card for international purchases.
It’s important to note that there is no interest-free financing option on purchases. If you plan to use the card to make a substantial purchase, consider other cards on this list that offer a 0% APR on purchase transactions.
Citi Simplicity® Card: Best Personal Card With Interest-free Balance Transfers for 21 Months
Citi Simplicity® Card
BEST FOR:
Startups who need a lengthy 0% APR period fund business expenses
- Citi Simplicity® Card doesn’t offer any rewards for their new and existing cardholders.
Pros
- One of the longest 0% APR periods available
- No annual fee
Cons
- No rewards for new and existing cardholders
- Cannot build business credit
- Flexible payment due date:You can choose your preferred due date in the beginning, middle, or end of the month. In addition, you have the flexibility of paying either the full balance or just the minimum payment due every month.
- Mastercard® Identity Theft Protection program:If you’re a victim of identity theft, this can help you resolve the matter.
- Zero liability protection:Zero liability protects you against unauthorized charges on your account. You won’t be responsible for a charge that you didn’t authorize.
- No additional fees:Citi® does not charge additional fees, such as late fees or penalty rate, on the Citi Simplicity® Card.
- Citi Simplicity® Card doesn’t offer any rewards for their new and existing cardholders.
Pros
- One of the longest 0% APR periods available
- No annual fee
Cons
- No rewards for new and existing cardholders
- Cannot build business credit
- Flexible payment due date:You can choose your preferred due date in the beginning, middle, or end of the month. In addition, you have the flexibility of paying either the full balance or just the minimum payment due every month.
- Mastercard® Identity Theft Protection program:If you’re a victim of identity theft, this can help you resolve the matter.
- Zero liability protection:Zero liability protects you against unauthorized charges on your account. You won’t be responsible for a charge that you didn’t authorize.
- No additional fees:Citi® does not charge additional fees, such as late fees or penalty rate, on the Citi Simplicity® Card.
Why we like it:The Citi Simplicity® Card is a personal credit card that you can use for business-related expenses. It gives you a 0% introductory APR for balance transfers for an impressive 21 months—the longest period among all cards listed here. It also offers zero-interest financing on purchases for the first 12 months after opening an account.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 21 months
- Ongoing balance transfer APR:18.99% to 29.74% variable
- Balance transfer fee:$5 or 3% of the transfer amount, whichever is greater for transfers completed within four months of account opening, then $5 or 5% of the transfer amount, whichever is greater
Other benefits:
- It doesn’t charge an annual fee, late fee, or penalty rate in case you miss a payment.
- You can select the due date for each billing cycle.
- If offers ID theft protection and $0 liability coverage on unauthorized transactions.
There are no rewards or sign-up bonuses, so the true value of using this card is to pay down debt. Also, keep in mind that this is a personal credit card, so any activity or history won’t go toward building your business credit score.
M&T Business Rewards Credit Card: Best for 0% APR for 12 Months With Unlimited Cash Back
M&T Business Rewards Credit Card
BEST FOR:
Those with existing M&T checking or savings account wanting cash back rewards
- Unlimited 1.5% cash back on every purchase
- 0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
- Variable APR of 14.49% to 21.49% thereafter
- No annual fee
- Add employee cards at no additional cost, plus ability to manage spend limits for users
- Global acceptance with chip technology
- M&T Assurance® for fraud prevention, detection, and resolution
- Multiple convenient ways to make payments, transfer funds, or review account detail, such as online with M&T Online Banking for Business or via the M&T Mobile App, at an M&T Bank ATM, or in person at any local M&T branch.
- Pay for purchases conveniently with Apple Pay®, Google Pay™, and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android®, or an eligible Samsung device
- Save with no foreign transaction fee
Pros
- With 0% introductory APR on purchases and balance transfers
- With sign-up bonus
- Doesn’t charge annual fees
Cons
- Charges high balance transfer fees
- Doesn’t offer unique features that make this business credit card stand out
- M&T Assurance®: M&T Bank helps prevent and detect card fraud, letting you use it confidently.
- Chip technology:每米&T credit card contains an encrypted microchip. So, when your card is used at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
- Digital wallet: Your M&T card can be linked to digital wallets like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. This feature lets you make purchases without your physical card at brick-and-mortar stores and your card details for online payments.
- Employee cards: You can add employee cards at no additional cost and manage each card’s spending limits.
- Unlimited 1.5% cash back on every purchase
- 0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
- Variable APR of 14.49% to 21.49% thereafter
- No annual fee
- Add employee cards at no additional cost, plus ability to manage spend limits for users
- Global acceptance with chip technology
- M&T Assurance® for fraud prevention, detection, and resolution
- Multiple convenient ways to make payments, transfer funds, or review account detail, such as online with M&T Online Banking for Business or via the M&T Mobile App, at an M&T Bank ATM, or in person at any local M&T branch.
- Pay for purchases conveniently with Apple Pay®, Google Pay™, and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android®, or an eligible Samsung device
- Save with no foreign transaction fee
Pros
- With 0% introductory APR on purchases and balance transfers
- With sign-up bonus
- Doesn’t charge annual fees
Cons
- Charges high balance transfer fees
- Doesn’t offer unique features that make this business credit card stand out
- M&T Assurance®: M&T Bank helps prevent and detect card fraud, letting you use it confidently.
- Chip technology:每米&T credit card contains an encrypted microchip. So, when your card is used at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
- Digital wallet: Your M&T card can be linked to digital wallets like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. This feature lets you make purchases without your physical card at brick-and-mortar stores and your card details for online payments.
- Employee cards: You can add employee cards at no additional cost and manage each card’s spending limits.
Why we like it:The M&T Business Rewards Credit Card offers a 0% introductory APR on both purchases and balance transfers for 12 billing cycles after opening an account. You will get 2% cash back on all eligible purchases for the first year, then unlimited 1.5% cash back afterward.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 12 billing cycles
- Ongoing balance transfer APR:16.99% and 23.99% variable
- Balance transfer fee:$10 minimum or 4% of the transfer, whichever is greater
Other benefits:
- It comes with no annual or foreign transaction fees.
- It also features a digital wallet, which allows you to pay for purchases at several merchants worldwide easily.
- It is protected by M&T Assurance, which helps prevent, detect, and resolve card fraud.
信用卡是一种理想的也M&T商业回报n for those wanting a simple rewards program because there’s no need to keep track of spending categories or tiers. Keep in mind that it does not offer any sign-up bonus.
PNC Visa® Business Credit Card: Best for Low Ongoing APR & 0% Balance Transfer APR for 13 Months
PNC Visa® Business Credit Card
BEST FOR:
Existing PNC Bank account holders that need to carry a balance
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- No annual fee
- With an interest-free financing option on balance transfers
Cons
- No interest-free financing option on purchases
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- With a high penalty interest rate
- Cash Flow Insight®:Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
- Travel accident insurance:You’re covered by travel accident insurance if you die or are seriously injured while traveling.
- Roadside Dispatch®:A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
- Overdraft protection:You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- No annual fee
- With an interest-free financing option on balance transfers
Cons
- No interest-free financing option on purchases
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- With a high penalty interest rate
- Cash Flow Insight®:Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
- Travel accident insurance:You’re covered by travel accident insurance if you die or are seriously injured while traveling.
- Roadside Dispatch®:A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
- Overdraft protection:You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.
Why we like it:Aside from offering 0% APR on balance transfers for the first 13 billing cycles after opening an account, the PNC Visa® Business Credit Card comes with a low ongoing APR—the lowest among all other cards in this guide. This is an excellent option for business owners planning to carry a balance after the introductory period.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 13 billing cycles
- Ongoing balance transfer APR:14.99% to 24.99% variable
- Balance transfer fee:$5 or 3% of the amount of each transfer, whichever is greater
Other benefits:
- It has no annual fee.
- It doesn’t charge foreign transaction fees on purchases made outside the United States.
- It features Cash Flow Insight® with Spend Analysis tool, allowing you to monitor your transactions and plan your budget.
To take advantage of the 0% APR on balance transfers, the transfer transaction should be completed within 90 days of card membership. Also, note that it lacks introductory and ongoing rewards and that interest-free financing is only available to balance transfers and does not apply to regular purchases.
United Community Bank Business Card: Best for 0% APR for 18 Months for Balances Transferred Within 558 Days
Pros
- Long 0% APR period on both purchases and balance transfer transactions
- No annual fee
- Flexible purchasing power
Cons
- No sign up bonus
- No ongoing rewards
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Free employee cards
- Zero fraud liability
- Free online reporting tools
Pros
- Long 0% APR period on both purchases and balance transfer transactions
- No annual fee
- Flexible purchasing power
Cons
- No sign up bonus
- No ongoing rewards
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Free employee cards
- Zero fraud liability
- Free online reporting tools
Why we like it:The best thing about United Community Bank Business Card is that its 0% APR on balance transfers for 18 billing cycles is applicable to balances transferred within 558 from opening an account. This means that you have almost two years to transfer your balance to be still eligible for the promo rate. This is the longest balance transfer eligibility period among all other cards in this guide.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first 18 billing cycles
- Ongoing balance transfer APR:16.99% to 25.99% variable
- Balance transfer fee:$5 or 3% of the amount of each transfer, whichever is greater
Other benefits:
- You can also take advantage of 0% introductory APR on purchases for the first 18 billing cycles.
- It doesn’t charge an annual fee.
- It features flexible purchasing power, which is ideal for large purchases and unexpected expenses.
The card does not offer sign-up bonuses and ongoing rewards on purchases. Also, United Community Bank branches are located only in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. However, an online application is available.
第一国民银行业务奖励签证: Best for Lucrative Welcome Bonus Points & 0% APR for 9 Months
- 3 points for every $1 spent on gas
- 2 points for every $1 spent on restaurants and travel
- 1 point per $1 spent on all other purchases
Pros
- 0% APR on both balance transfer and purchase transactions
- No annual or foreign transaction fees
- Generous sign-up bonus and ongoing rewards
Cons
- Balance transfer fee is not waived during the 0% introductory period
- Online application is not available
- Branches are only available in selected states
- Free employee cards
- Travel and Emergency Assistance
- Purchase security and Extended warranty
- Expense tracking and Spending limit management
- Cell phone protection
- 3 points for every $1 spent on gas
- 2 points for every $1 spent on restaurants and travel
- 1 point per $1 spent on all other purchases
Pros
- 0% APR on both balance transfer and purchase transactions
- No annual or foreign transaction fees
- Generous sign-up bonus and ongoing rewards
Cons
- Balance transfer fee is not waived during the 0% introductory period
- Online application is not available
- Branches are only available in selected states
- Free employee cards
- Travel and Emergency Assistance
- Purchase security and Extended warranty
- Expense tracking and Spending limit management
- Cell phone protection
Why we like it:The First Citizens Bank Business Rewards Visa is a great option if you can spend at least $3,000 in the first 90 days after opening an account because you can earn 10,000 bonus points. This is on top of the 0% APR on both balance transfer and purchase transactions for the first nine months.
Balance transfer highlights:
- Introductory balance transfer APR:0% APR for the first nine months
- Ongoing balance transfer APR:16.74% to 25.74% variable
- Balance transfer fee:$5 or 3% of the amount of each transfer, whichever is greater
Other benefits:
- It offers generous rewards on purchases, as follows:
- 3x pointsfor every $1 spent on gas
- 2x pointsfor every $1 spent at restaurants and on travel
- 1x pointfor every $1 spent on all other purchases
- You can use rewards as statement credits for purchases with its exclusive Pay Me Back redemption option.
- It provides cell phone protection Insurance when you pay your monthly cell phone bill with your card.
- It comes with no annual or foreign transaction fees.
It’s worth noting that online applications are unavailable. Also, First Citizens Bank has limited branches in selected states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin.
How We Selected the Best Balance Transfer Business Credit Cards
To select the best business card balance transfer offers, we first considered the length of the introductory 0% balance transfer APR. We also took into account transfer fees, annual fees, ongoing APRs, rewards, and whether the card has a 0% APR offer on purchases.
Frequently Asked Questions (FAQs)
It’s a good idea if you need a longer period to pay off high-interest debts. So, a balance transfer credit card is best for business owners with existing debts from other cards. If you can qualify for small business credit cards with a zero-interest period on balance transfers, it can help you save money on interest while giving you ample time to settle your full balance. Note that you need to be careful using your card, especially if you intend to pay off your existing debt and not accumulate new ones.
When deciding which balance transfer business credit card is right for you, consider factors like the length of the introductory APR period, balance transfer fees, annual fees, and the card’s regular APR once the introductory period ends. You should also check whether you will benefit more from balance transfer business credit cards that offer rewards on your purchases.
No, they won’t, but while that is the case, opening a new credit card may harm your credit, as most card issuers will perform a hard inquiry on your credit score. Before deciding to apply for any of the best business credit cards for balance transfers, ensure that the advantages of opening a new card outweigh the possible damage it can do to your credit.
是的,你可以,因为大多数商业信用卡发卡机构allow you to do so. However, you need to keep your business and personal financial transactions separate to avoid accounting and tax issues. If you have previously used your personal credit card for business-related expenses, make sure to keep a record of those transactions so you won’t get into trouble come tax time.
Bottom Line
Whether you’re self-employed or a small business owner, the best business credit card with a balance transfer offer gives you an adequate amount of time to pay down your debt from other credit cards interest-free. To maximize the 0% introductory offer, budget your monthly payment so that you’ll have paid off any high balances when the card switches to its regular APR. If you need a wide range of card selections, see our guide to thebest small business credit cards.