10 Best Business Credit Card Balance Transfer Offers 2019

On US Bank's Secure Website

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening
3% cash back on cellular, gas stations, and office supply store net purchases
1% cash back on other eligible net purchases

No limit on total rewards and they never expire!
Plus, a 25% Annual Cash Rewards bonus, up to $250
No annual fee*
Net purchases are purchases minus credits and returns
0% Intro APR* on purchases and balance transfers for the first 15 billing cycles. After that variable APR currently 14.24% - 25.24%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	14.24% - 25.24% Variable	$0	Excellent

On US Bank's Secure Website

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is the overall best business credit card for balance transfers because it offers interest-free financing on balance transfers for 15 billing cycles. You’ll earn up to 3% cash back and a unique 25% bonus on the prior year’s rewards—up to $250. Ongoing variable APR starts at 14.24%.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Costs

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is a no annual fee credit card that charges an ongoing APR as low as 14.24%. The highlight of this card is the introductory 0% APR period for 15 billing cycles on balance transfers, which is the best business credit card balance transfer offer on our list.

Financing costs and fees on the U.S. Bank Business Cash Rewards World Elite™ Mastercard® include:

Introductory APR: 0% on balance transfers and purchases for the first 15 billing cycles
Ongoing APR: 14.24% to 25.24% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 3% of the transfer, whichever is greater
Annual fee: None

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers the longest 0% APR introductory period among small business credit cards. This offer is three billing cycles longer than the American Express Blue Business Cash™ Card. There is a personal credit card listed that has a longer 0% APR period, but it doesn’t offer 0% APR on purchases.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Rewards

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® pays up to 3% cash back in three bonus categories. Plus, it offers a unique 25% annual bonus based on your prior year’s cash rewards. You can also earn an introductory reward worth $500 after spending $4,500 within 150 days.

Introductory Rewards

You’ll earn $500 cash back after you spend $4,500 during the first 150 days. This reward is similar to other cards on our list. For example, the Wells Fargo Business Platinum Credit Card offers 50,000 bonus points, or $500, after spending $3,000 within three months. The U.S. Bank business card gives you 150 days, or about five months, to meet the minimum spending requirement compared to just three months on the Wells Fargo credit card.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

3% cash back on cellphone purchases and service.
3% cash back on gas purchases up to $200 per single purchase.
3% cash back at office supply stores.
1% cash back on all other eligible purchases.

The cellphone bonus category this cash back business credit card offers is unique compared to other cards on our list. If you don’t want to track category bonuses, consider a fixed-rate rewards card like the American Express Blue Business Cash™ Card. That card pays 2% cash back on purchases up to $50,000, then 1% thereafter.

This U.S. Bank business credit card also offers a unique annual bonus equal to 25% of your prior year’s cash rewards—up to $250. No other business credit card on our list offers an ongoing annual bonus.

How to Redeem Rewards

You can redeem your rewards for cash back, as a statement credit, or in the form of a debit card. If you redeem as a debit card, you’ll receive a U.S. Bank Rewards Card. If you redeem as cash back, your rewards will be deposited into your U.S. Bank business checking, savings, or money market account.

Redemption rates are 3 cents per dollar spent on cellphone purchases and service, gas purchases, and office supply store purchases. All other redemptions are worth 1 cent per dollar spent.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Additional Features

This U.S. Bank business credit card offers several additional card features, such as a car rental collision damage waiver, purchase security, and extended warranty protection. These benefits are similar to what most business credit cards offer.

The following benefits are included on your card:

MasterRental car rental collision damage waiver: U.S. Bank covers you in case of accident or theft on all rentals made worldwide. This coverage is primary, which means you won’t need to use your own car insurance or accept the rental company’s insurance. Coverage is limited to $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per item and up to $25,000 per year.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional year on warranties of five years or less. U.S. Bank will replace the item or reimburse you the amount charged on your card—up to $10,000.

This card’s additional perks are similar to the American Express Blue Business® Plus. However, that card offers purchase protection on items that are damaged or stolen within 120 days of purchase.

What the U.S. Bank Business Cash Rewards World Elite™ Mastercard® Is Missing

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers a lower return on office supply store spending than some other business credit cards. You can earn up to 5% cash back with the other limited liability company (LLC) credit cards. However, some of those cards don’t have balance transfer offers.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. U.S. Bank Business Cash Rewards World Elite™ Mastercard® reviews are generally positive. This card’s 0% APR offer and sign-up bonus make it an extremely valuable card. It could be stronger if it offered better rewards on office supply spending.

User Reviews

Online reviews are mostly positive. Cardholders suggest they benefit from the card’s ongoing rewards and redemption options. However, some users complain that this small business credit card lacks benefits seen on competitor cards.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® has the best business credit card balance transfer offer. It also pays cash back rewards of up to 3% and a unique annual bonus worth up to $250. However, this card could offer stronger ongoing rewards.

How to Apply for the U.S. Bank Business Cash Rewards World Elite™ Mastercard®

You can apply online for the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. You’ll be required to fill out a basic application with your business and personal information. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

American Express Blue Business Cash^TM Card: Best for Fixed-rate Cash Back & No Annual Fee

on American Express® Blue Business Cash Card's secure website.

American Express® Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99%, or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.99% - 20.99% Variable	No annual fee	Good, Excellent

on American Express® Blue Business Cash Card's secure website.

See Rates and Fees

The American Express Blue Business Cash^TM Card is best for business owners who want to earn fixed-rate cash back rewards. It pays 2% cash back on all purchases up to $50,000 annually, then 1% thereafter. It charges no annual fee and no interest for 12 months on purchases and balance transfers. Ongoing variable APR starts at 14.99%.

American Express Blue Business Cash™ Card Costs

The American Express Blue Business Cash™ Card charges no interest for 12 months on purchases and balance transfers, falling just short of our top pick at 15 billing cycles. Plus, you’ll pay no annual fee on this American Express business credit card.

Financing costs and fees on the American Express Blue Business Cash™ Card include:

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.99% to 20.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transfer, whichever is greater

The fee structure on this card is identical to the American Express Blue Business® Plus card. If you want a longer introductory 0% APR period, choose the U.S. Bank Business Cash Rewards World Elite™ MasterCard®. That card has no-interest financing for 15 billing cycles on purchases and balance transfers.

American Express Blue Business Cash™ Card Rewards

With the American Express Blue Business Cash™ Card, you’ll earn fixed-rate rewards of 2% cash back on purchases up to $50,000 annually, then 1% thereafter. Similar to the American Express Blue Business® Plus, this card offers no introductory rewards.

Introductory Rewards

The American Express Blue Business Cash™ Card doesn’t have a sign-up bonus. Cards that offer introductory rewards let you earn several hundred dollars when you meet a minimum spending requirement within a certain time period. For example, the U.S. Bank Business Cash Rewards World Elite™ MasterCard® offers $500 when you spend $4,500 within the first 150 days.

Ongoing Rewards

The American Express Blue Business Cash™ Card offers the following ongoing rewards:

2% cash back on all purchases up to $50,000 each year.
1% cash back on all additional purchases.

In comparison, the Wells Fargo Business Platinum Credit Card offers 1.5% cash back, but it has no rewards cap. Choose that card if you want to earn rewards without a monetary cap.

How to Redeem Rewards

Cardholders will receive a rebate as a statement credit for any eligible purchases on their American Express card. The rebate they receive is based on the percentage of eligible purchases made during a billing period. The rebate will appear on the next credit card statement after the statement that shows the original purchases. For example, if you earn rewards in August, you will see a statement credit on your October bill.

American Express Blue Business Cash™ Card Additional Features

The American Express Blue Business Cash™ Card comes with protections against loss and damage, including extended warranty protection and purchase protection.

The American Express Blue Business Cash™ Card offers the following additional features:

Extended warranty protection: The issuer will provide up to one additional year of coverage on the original manufacturer’s warranty up to five years. Coverage is limited to $10,000 per occurrence and $50,000 per year.
Purchase protection: American Express will repair, replace, or reimburse you for new purchases that were damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per year.

These additional perks are common to what most business credit cards offer. However, some cards include more protections. For example, American Express Blue Business® Plus offers baggage insurance and travel accident insurance.

What the American Express Blue Business Cash™ Card Is Missing

The American Express Blue Business Cash™ Card does not have a welcome offer, which can be a turnoff for some business owners. Introductory rewards can be worth up to $500 cash back. The U.S. Bank Business Cash Rewards World Elite™ MasterCard®, for example, offers $500 when you spend $4,500 within the first 150 days.

American Express Blue Business Cash™ Card Reviews

We considered both user reviews and our own editorial review when rating this card. This card was introduced by American Express in late July, and we found no user reviews online. However, editorial American Express Blue Business Cash™ Card reviews point out this is a solid fixed-rate, cash back credit card that charges no annual fee.

User Reviews

This card was released in late July, and we found no user reviews online.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews agree that this an excellent card if you don’t want to track category rewards or if you spend across multiple reward categories. However, this card is missing introductory rewards and some additional features seen on other business credit cards, such as baggage insurance.

How to Apply for the American Express Blue Business Cash™ Card

You can apply for the American Express Blue Business Cash^TM Card online, and you could receive a decision in as little as 30 seconds. Once approved, your card will arrive in the mail within seven to 10 days.

American Express Blue Business® Plus: Best for Fixed-rate Points & No Annual Fee

on The Blue Business® Plus Credit Card from American Express's secure website.

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.

You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.99% - 20.99% Variable	No annual fee	Good, Excellent

on The Blue Business® Plus Credit Card from American Express's secure website.

See Rates and Fees

American Express Blue Business® Plus is the best for business owners who want to earn fixed-rate points. It pays 2x points per dollar on all purchases up to $50,000 annually, then 1x points per dollar thereafter. Business owners will have an introductory 0% APR period for 12 months on balance transfers and purchases. Ongoing variable APR starts at 14.99%.

American Express Blue Business® Plus Costs

The American Express Blue Business® Plus card charges no annual fee and no interest for 12 months on balance transfers. It also charges a balance transfer fee of $5 or 3%, whichever is greater.

Financing costs and fees on the American Express Blue Business® Plus card include:

Introductory APR: 0% for the first 12 months on balance transfers and purchases, which makes it one of the best 0% APR business credit cards
Ongoing APR: 14.99% to 20.99% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 3% of the transfer, whichever is greater
Annual fee: None

American Express Blue Business® Plus offers the same introductory APR period as the U.S. Bank Business Platinum Card. However, the U.S. Bank Business Platinum Card doesn’t offer any ongoing rewards, and its additional features fall short of this American Express business credit card.

American Express Blue Business® Plus Rewards

American Express Blue Business® Plus cardholders can earn 2x Membership Rewards points on all purchases up to $50,000 each year, then 1x points. Other credit cards on our list may offer larger rewards for specific spending categories, but usually only 1% on everyday spending.

Introductory Rewards

This business credit card for new businesses doesn’t include an introductory welcome offer. It’s one of seven credit cards on our business credit card balance transfer list that doesn’t offer introductory rewards. If you want to earn an introductory reward, consider the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. It offers $500 after spending $4,500 within 150 days.

Ongoing Rewards

This business credit card offers the following ongoing rewards:

2x points on all purchases up to $50,000 each year.
1x points on all additional purchases.

These startup business credit card rewards are best for business owners who don’t have the patience to track category bonuses. You can earn rewards on every purchase, regardless of the spending category. Although you can redeem your rewards for travel, there are better travel business credit cards. If you’d prefer to receive cash back instead of points, choose the American Express Blue Business Cash™ Card.

How to Redeem Rewards

There are seven ways to redeem your rewards:

For your charges: Use your points for your eligible charges on your current statement.
Travel: Book travel on American Express Travel. Minimum redemption is 5,000 points.
Gift cards: Purchase gift cards.
Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
Ticketmaster: Redeem your points on Ticketmaster to purchase event tickets.
AXS: Redeem your points on AXS to purchase event tickets.
Taxi fares: Redeem your points for fares (including tips) in some taxis in New York City.

This balance transfer business credit card offers the most rewards redemption options among cards on our list. For example, there are no other cards that allow you to redeem your rewards for event tickets, taxi fares, or Amazon.com purchases.

American Express Blue Business® Plus Additional Features

Similar to other cards on our list, this American Express business credit card offers extended warranty protection and purchase protection. These features can be worth up to thousands of dollars annually.

American Express Blue Business® Plus comes with the following additional features:

Extended warranty: American Express will provide up to an additional two years of warranty for purchased items with original manufacturer’s warranties of five years or less. The coverage is limited to $10,000 per claim and $50,000 per year.
Purchase protection: American Express will protect your purchased items that are damaged or stolen within 120 days from the purchase date. The purchase protection is limited to $1,000 per claim and $50,000 per cardmember, per year.

In comparison, the American Express Blue Business Cash™ Card additional features fall short of this American Express business card. For example, the American Express Blue Business Cash™ Card purchase protection only offers coverage for the first 90 days after purchase. Plus, its extended warranty protection only offers up to one additional year compared to this card’s two additional years.

What the American Express Blue Business® Plus Is Missing

American Express Blue Business® Plus doesn’t offer introductory rewards, while other credit cards on our list do. For example, the Wells Fargo Business Platinum Credit Card offers $500 cash back or 50,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months.

American Express Blue Business® Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Blue Business® Plus reviews paint this as one of the best 0% APR business credit cards. However, it offers no introductory rewards.

User Reviews

Online reviews for the American Express Blue Business® Plus card are mostly positive. Cardholders love that they can pay off their balance transfers over 12 months with no interest. However, some users complain about the lack of introductory rewards.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. We believe American Express Blue Business® Plus is one of the best business credit cards for balance transfers because of its free financing period on purchases and balance transfers. However, reviewers agree this card could be stronger if it offered a sign-up bonus like some other business credit cards offer.

How to Apply for the American Express Blue Business® Plus

You can apply for the American Express Blue Business® Plus credit card online by providing your basic business and personal information. Once approved, the 12-month introductory APR period starts as soon as you receive your card. You will receive your card within seven to 10 days.

U.S. Bank Business Platinum Card: Best for Low Ongoing APR

On US Bank's Secure Website

U.S. Bank Business Platinum Card

0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 12.24% - 20.24%*
No annual fee*
Free employee cards

Zero fraud liability* protects you against unauthorized transactions

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	12.24% - 20.24% Variable	$0	Excellent

On US Bank's Secure Website

Only available within these states: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,ND,OH, OR,SD,TN,UT,WA,WI,WY, NM

The U.S. Bank Business Platinum Card is best for business owners who want an introductory 0% APR period for 12 billing cycles and the lowest ongoing APR. Once the introductory APR period ends, you will have an ongoing variable APR between 12.24% and 20.24%. This business credit card charges a balance transfer fee of at least $5 and offers no rewards.

U.S. Bank Business Platinum Card Costs

The U.S. Bank Business Platinum Card charges no interest on balance transfers for the first 12 billing cycles. Plus, you’ll have no annual fee and a low balance transfer fee of 3%.

Financing costs and fees on the U.S. Bank Business Platinum Card include:

Introductory APR: 0% APR on purchases and balance transfers for the first 12 billing cycles
Ongoing APR: 12.24% to 20.24% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 3% of the transfer, whichever is greater
Annual fee: None

This no annual fee business credit card has an identical introductory APR period to the American Express Blue Business® Plus. Additionally, the U.S. Bank Business Platinum Card has a lower ongoing APR by about two percentage points compared to American Express Blue Business® Plus. However, we rank it below American Express Blue Business® Plus because it offers no rewards.

U.S. Bank Business Platinum Card Rewards

The U.S. Bank Business Platinum Card offers no introductory or ongoing rewards. This is rare compared to the best small business credit cards. With no introductory or ongoing rewards, there isn’t much benefit to owning this card once you’ve paid off your balance, unless you’re seeking a low ongoing APR to reduce interest charges on future balances.

American Express Blue Business® Plus also has no introductory rewards, but it provides 2x points on all spending up to $50,000. If you’re looking for a card that offers both introductory and ongoing rewards, consider the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. That card pays 3% cash back and offers a $500 bonus after you spend $4,500 within 150 days.

U.S. Bank Business Platinum Card Additional Features

The U.S. Bank Business Platinum Card offers additional features that are common across most business credit cards, including extended warranty protection and purchase protection.

The U.S. Bank Business Platinum Card comes with the following additional features:

Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

These additional card features are similar to what you would find on other business credit card balance transfer offers. However, American Express Blue Business® Plus provides better coverage. For example, its 120-day purchase protection window is longer than the 90 days provided through the U.S. Bank Business Platinum Card.

What the U.S. Bank Business Platinum Card Is Missing

The U.S. Bank Business Platinum Card does not offer any introductory or ongoing rewards. Other business credit cards on our list offer both types of rewards. For example, the Wells Fargo Business Platinum Credit Card offers a $500 bonus after you enroll in the Business Card Rewards Program and spend $3,000 in the first three months. Plus, it pays 1.5% cash back or 1x points on every dollar spent.

Note: The card is only available in Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nevada, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, Wyoming, and New Mexico.

U.S. Bank Business Platinum Card Reviews

We considered both user reviews and our own editorial review when rating this card. The U.S. Bank Business Platinum Card reviews are mixed. This is a low-interest business credit card that’s best if you’re looking to carry a balance. However, you won’t have the opportunity to earn any rewards.

User Reviews

We reviewed several online U.S. Bank Business Platinum Card user reviews and found most to be positive. Some cardholders comment that the lower interest rate has been helpful while building their businesses. However, some users complain the card offers no rewards.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. Editorial reviews suggest this card is best designed for business owners who want to limit the cost of carrying a balance. However, it’s one of the few low-interest business credit cards that don’t offer any rewards.

How to Apply for the U.S. Bank Business Platinum Card

You can apply for the U.S. Bank Business Platinum Card online by filling out a basic application. You will be required to provide your basic business and personal information, and you could be approved instantly. Once approved, you will receive your card within seven to 10 days.

Note: This card is only available within these states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Montana, Montana, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, Wyoming, and New Mexico.

Wells Fargo Business Platinum Credit Card: Best for Cash Back or Points Rewards Option

On Wells Fargo's Secure Website

Wells Fargo Business Platinum Credit Card

Get a one-time $500 cash back bonus or 50,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date; $0 annual rewards fee
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period

No annual card fee, plus up to 99 employee cards (no additional fee)
Cash management tools
Spending reports available online
Online banking and bill payment options

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	13.49% - 23.49% Variable	$0	Excellent

On Wells Fargo's Secure Website

The Wells Fargo Business Platinum Credit Card is best for business owners who want to choose between cash back and points rewards. This card offers an introductory reward worth $500 and ongoing rewards of either 1.5% cash back or one point on every dollar spent. It also offers no-interest financing on balance transfers and purchases for nine months. Ongoing variable APR is between 13.49% and 23.49%.

Wells Fargo Business Platinum Credit Card Costs

The Wells Fargo Business Platinum Credit Card charges no annual fee and no interest for nine months on balance transfers and purchases. You’ll have an ongoing APR as low as 13.49% once the introductory APR period ends.

Financing costs and fees on the Wells Fargo Business Platinum Credit Card include:

Introductory APR: 0% APR for nine months on purchases and balance transfers
Ongoing APR: 13.49% to 23.49% variable, which adjusts with the prime rate
Balance transfer fee: Varies, based on the specific offer you receive
Annual fee: None

If you know you can pay off your balance transfers in nine months, this card could be an excellent fit for you. If you need a longer no-interest period, consider the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. That card offers no-interest financing for 15 billing cycles on balance transfers and purchases.

Wells Fargo Business Platinum Credit Card Rewards

The Wells Fargo Business Platinum Credit Card offers unlimited fixed-rate rewards on your everyday purchases. You will have the option to choose between cash back and points rewards. This business credit card also has a substantial welcome offer, where it outranks other cards on our business credit card balance transfer offers list.

Introductory Rewards

After you choose between cash back and points rewards, you can earn the following bonus:

50,000 points when you spend $3,000 within the first three months after account opening.
$500 cash back when you spend $3,000 within the first three months after account opening.

The introductory rewards on the Wells Fargo Business Platinum Credit Card are better than what other top business credit cards on our list offer. For example, neither the American Express Blue Business Cash™ Card nor the U.S. Bank Business Platinum Card offers introductory rewards. If you know you can pay your balance down in nine months, these introductory rewards could add more value to the card.

Ongoing Rewards

After you choose between cash back and points rewards, you can earn the following rewards:

1.5% cash back for every $1 spent on purchases.
1x points for every $1 spent on net purchases and 1,000 bonus points when your company spends $1,000 in any monthly billing period.

With this business credit card, there is no cap on the number of rewards you can earn for your everyday purchases. Other business credit cards may put a monetary cap on the rewards structure. For example, American Express Blue Business® Plus offers two points on your first $50,000, and then one point thereafter.

How to Redeem Rewards

This card allows you to redeem rewards either as cash back or points. The redemption process is different based on which form you choose, as are potential costs and bonuses. When you redeem for cash back, redemption is automatic—you’ll receive a statement credit or the bank will deposit cash rewards in your eligible checking or savings account once per quarter. Most cash back business credit cards require users to redeem rewards manually.

When you choose points rewards, you can redeem your points for merchandise, gift cards, or airline tickets. You’ll receive a 10% point credit when you redeem points online, but you’ll pay a $24 redemption fee when you redeem your points for airline tickets.

Wells Fargo Business Platinum Credit Card Additional Features

The Wells Fargo Business Platinum Credit Card lacks several additional features that other cards on our list offer. This card only includes purchase security and a design studio.

The Wells Fargo Business Platinum Credit Card comes with the following additional features:

Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.

Compared to other credit card issuers, such as American Express, Wells Fargo doesn’t provide the best additional features. Through most American Express business credit cards, you can have access to rental car insurance, purchase protection, extended warranty protection, and baggage insurance.

What the Wells Fargo Business Platinum Credit Card Is Missing

The fixed-rate rewards on the Wells Fargo Business Platinum Credit Card are lower than other fixed-rate rewards cards on our list. With American Express Blue Business® Plus, you’ll earn 2x per dollar on all spending up to $50,000 per year. You also won’t have the chance to earn spending category bonuses with a fixed-rate rewards credit card.

Wells Fargo Business Platinum Credit Card Reviews

We considered both user reviews and our own editorial review when rating this card. Wells Fargo Business Platinum Credit Card reviews are mixed. The Wells Fargo Business Platinum Credit Card is an excellent choice if you value choosing between cash back and points rewards.

User Reviews

Online Wells Fargo Business Platinum Credit Card user reviews are mixed. Most cardholders say they like having the option to choose between cash back and points rewards. However, some users complained about the ongoing rewards because the 1.5% cash back rate is lower than what other business credit cards offer.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. This Wells Fargo business credit card doesn’t offer the longest interest-free financing period on our list, but it’s a solid pick for business owners who want to earn ongoing fixed-rate rewards over category bonuses. However, its 1.5% cash back is lower than other business credit cards.

How to Apply for the Wells Fargo Business Platinum Credit Card

You can apply for the Wells Fargo Business Platinum Credit Card online if you already have a checking or savings account open with Wells Fargo for at least one year. If not, you will need to apply in person at a branch. Once approved, you’ll receive your card within seven to 10 days.

M&T Business Rewards Credit Card: Best for Operating a Business in Northeastern States

On M&T Bank's Secure Website

M&T Business Rewards Credit Card

Unlimited 1.5% cash back on every purchase
Earn 10,000 bonus points after making $500 in purchases during first 90 days
0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)

Variable APR of 14.49%–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 (1. Online with M&T Online Banking for Business or via the M&T Mobile App, 2. At an M&T Bank ATM, 3. 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

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	14.24% - 21.24% Variable	$0	Good - Excellent

On M&T Bank's Secure Website

The M&T Business Rewards Credit Card is best for business owners who live in the eight northeastern states where M&T Bank has branches. M&T has more than 750 branches located in Washington, D.C., Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia. You’ll receive 0% APR for 12 billing cycles on balance transfers and purchases. Ongoing variable APR is between 14.24% and 21.24%.

M&T Business Rewards Credit Card Costs

The M&T Business Rewards Credit Card charges no annual fee and no interest for 12 billing cycles on balance transfers and purchases. It also charges a balance transfer fee of $10 or 4%, whichever is greater.

Financing costs and fees on the M&T Business Rewards Credit Card include:

Introductory APR: 0% APR for 12 billing cycles on balance transfers and purchases
Ongoing APR: 14.24% to 21.24% variable, which adjusts with the prime rate
Balance transfer fee: $10 or 4% of the transfer, whichever is greater
Annual fee: None

The card has an introductory APR that matches evenly with the U.S. Bank Business Platinum Card. However, the U.S. Bank Business Platinum Card offers an ongoing APR that is about two percentage points lower. Also, the M&T Business Rewards Credit Card balance transfer fee of $10 or 4% is higher than both the U.S. Bank Business Platinum Card and American Express Blue Business® Plus (both charge 3%).

M&T Business Rewards Credit Card Rewards

The M&T Business Rewards Credit Card offers fixed-rate rewards on all spending. It also offers an introductory reward worth $100 when redeemed for cash.

Introductory Rewards

You can earn 10,000 points after spending $500 on purchases within the first 90 days of opening your account. This introductory reward is worth $100 when redeemed for cash.

While it has a low minimum spending requirement, other cards on our list offer more substantial rewards. For example, the Wells Fargo Business Platinum Credit Card offers $500 cash back when you spend $3,000 within the first three months after account opening.

Ongoing Rewards

You’ll earn 1.5% cash back on all purchases. This is the same cash back rewards rate that is offered on the Wells Fargo Business Platinum Credit Card. Other fixed-rate cash back credit cards offer a higher return rate. For example, the American Express Blue Business Cash™ Card pays 2% cash back on purchases up to $50,000 annually, then 1% thereafter.

How to Redeem Rewards

You can redeem your rewards for cash back, gift cards, airline travel, and merchandise through the issuer’s online rewards portal. Each point is worth 1 cent when you redeem them for cash, gift cards, or airfare. The redemption value may be worth more or less than 1 cent when redeemed for merchandise and travel packages. When redeeming for cash, you can receive a statement credit or a deposit into your M&T Bank checking or savings account.

M&T Business Rewards Credit Card Additional Features

Similar to most business credit cards on our list, the M&T Business Rewards Credit Card offers extended warranty protection and purchase security. Other cards offer better coverage levels, though.

The M&T Business Rewards Credit Card comes with the following additional features:

Extended warranty protection: Visa will double the original manufacturer’s warranty up to an additional year on warranties of three years or less up to a maximum of $10,000 per claim.
Purchase security: Visa may repair, replace, or offer reimbursement for items purchased with your M&T Business Rewards Credit Card that are damaged or stolen within 90 days of purchase. Purchase security is limited to $10,000 per claim.

These additional features are not as good as what other small business credit cards offer. American Express Blue Business® Plus, for example, covers warranties of five years or less and offers a purchase security window of 120 days compared to 90.

What the M&T Business Rewards Credit Card Is Missing

This card is not available to most small businesses. It’s only available in Washington, D.C., Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia. If your business is not in one of those locations, consider the Wells Fargo Business Platinum Credit Card. It offers much more substantial introductory rewards and similar ongoing rewards.

M&T Business Rewards Credit Card Reviews

We considered both user reviews and our own editorial review when rating this card. M&T Business Rewards credit card reviews are mixed. This card offers a long introductory 0% APR period, but it’s only a good option for those who live near an M&T Bank branch.

User Reviews

We couldn’t find any M&T Business Rewards Credit Card user reviews online. However, reviews for the bank are mixed. Customers with positive experiences tend to have been longtime M&T Bank customers. The few negative reviews revolve around customer service and poor experiences with home loans.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. Although the M&T Business Rewards credit card provides interest-free financing, it’s only available to those who live near a bank branch. Reviewers agree there are better nationally available cards.

How to Apply for the M&T Business Rewards Credit Card

You must apply for the M&T Business Rewards Credit Card in person at an M&T Bank branch. The bank has more than 750 branches located throughout Washington, D.C., Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia. You will need to provide both your business and personal information to apply.

Huntington Voice Business Credit Card^SM: Best for Doing Business in Midwestern States

On Huntington Bank's Secure Website

Huntington National Bank Voice Business Credit Card℠

Earn 4% cash back in a category of your choice on up to $7,000 in category purchases each quarter
Earn unlimited 1% cash back on all other purchases
Pay no annual fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	12.99% - 23.99% Variable	None	Good - Excellent

On Huntington Bank's Secure Website

The Huntington Voice Business Credit Card^SM is best for business owners who live near a Huntington National Bank branch, as you must visit a branch to apply. There are branches in eight states, including Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin. This card offers 0% APR for 12 billing cycles on balance transfers completed within the first 90 days after account opening. Ongoing variable APR starts at 12.99%.

Huntington Voice Business Credit Card^SM Costs

The Huntington Voice Business Credit Card^SM charges no annual fee and has an ongoing variable APR as low as 12.99%. You must complete your balance transfers within the first 90 days to tap into interest-free financing.

Financing costs and fees on the Huntington Voice Business Credit Card^SM include:

Introductory APR: 0% APR for 12 billing cycles on balance transfers completed within the first 90 days after account opening
Ongoing APR: 12.99% to 23.99% variable, which adjusts with the prime rate
Balance transfer fee: $10 or 3% of the transfer, whichever is greater
Annual fee: None

This business credit card has an introductory 0% APR period for 12 months on balance transfers. The transfers must be completed within the first 90 days. Once the introductory period ends, its ongoing variable APR is between 12.99% and 23.99%. In comparison, the Wells Fargo Business Platinum Credit Card has a similar ongoing APR, but only offers 0% APR for nine months.

Huntington Voice Business Credit Card^SM Rewards

The Huntington Voice Business Credit Card^SM allows you to choose a specific category to earn top rewards. However, this business credit card doesn’t provide introductory rewards like some of the other cards on our list. This can reduce the card’s first-year value.

Introductory Rewards

The Huntington Voice Business Credit Card^SM does not provide any introductory rewards for hitting a minimum spending requirement.

The U.S. Bank Business Cash Rewards World Elite™ Mastercard®, Wells Fargo Business Platinum Credit Card, and M&T Business Rewards Credit Card are the only cards on our list that offer introductory rewards. For example, the Wells Fargo Business Platinum Credit Card offers 50,000 bonus points or $500 cash back when you spend $3,000 within the first three months.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

4% cash back on the first $7,000 spent each quarter on one spending category you choose from a list of 10 categories.
1% cash back on all other purchases.

This card lets you choose which spending category you want to earn 4% cash back from each quarter. Categories include gas stations; travel and entertainment; restaurants; discount and warehouse stores; grocery stores; utilities and office supply stores; electronics, computer and camera stores; department, apparel, and sporting goods stores; home improvement stores; and auto parts and service stores.

There are no other options on our business credit card balance transfer list that allow you to choose the category in which you’ll earn bonus rewards. The American Express Blue Business® Plus card, American Express Blue Business Cash™ Card, and Wells Fargo Business Platinum Credit Card only offer fixed-rate rewards.

How to Redeem Rewards

You can redeem your rewards for cash back, gift cards, travel, and merchandise through the bank’s website. Each point is worth 1 cent, regardless of how you redeem your rewards. Plus, you must redeem a minimum of 2,500 points for cash, 10,000 for each hotel room, and 20,000 for a flight. When redeeming for cash, you can receive your rewards as a statement credit or a deposit into an eligible checking or savings account.

Huntington Voice Business Credit Card^SM Additional Features

The Huntington Voice Business Credit Card^SM provides similar additional benefits to most business credit cards, which include extended warranty protection and purchase protection.

The Huntington Voice Business Credit Card^SM comes with the following additional features:

Extended warranty protection: Huntington National Bank will double an original manufacturer’s warranty by up to an additional year on warranties of five years or less. The extended warranty protection is limited to $10,000 per claim.
Purchase protection: Huntington National Bank will provide purchase protection on purchased items that are damaged or stolen within 90 days of the purchase date. This coverage is limited to $10,000 per item and $50,000 per year.

The additional features offered on the Huntington Voice Business Credit Card^SM are average at best. Other business credit cards on our list offer better coverage and longer coverage windows. For example, American Express Blue Business® Plus offers purchase protection for 120 days from the purchase date compared to the 90 days this card offers.

What the Huntington Voice Business Credit Card^SM Is Missing

The Huntington Voice Business Credit Card^SM is only available to business owners in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin. If you’re located outside of one of these eight states, an alternative would be the U.S. Bank Business Cash Rewards World Elite™ Mastercard®, which we recommend as the best business credit card for balance transfers.

Huntington Voice Business Credit Card^SM Reviews

We considered both user reviews and our own editorial review when rating this card. Huntington Voice Business Credit Card^SM reviews are mixed. This is only a strong balance transfer business credit card if you’re a business owner who lives near a Huntington Voice branch location.

User Reviews

Online user reviews are mixed. Cardholders enjoy the ability to choose the bonus categories from which they can earn enhanced rewards. However, some users complain this card doesn’t offer a welcome bonus and that you need to visit a branch to apply.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. In addition to its no-interest financing period, this card offers substantial rewards compared to other cards on our list. It pays 4% cash back in the category of your choice. However, you must visit a branch to apply.

How to Apply for the Huntington Voice Business Credit Card^SM

To apply for the Huntington Voice Business Credit Card^SM, you must visit a branch. There are more than 1,000 branches located throughout Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin. To apply, you’ll need to provide your basic business and personal information.

M&T Business Credit Card: Best for M&T Customers Who Don’t Need Rewards

On M&T Bank's Secure Website

M&T Business Credit Card

0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
Variable APR of 12.49%–19.49% 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 (1. Online with M&T Online Banking for Business or via the M&T Mobile App, 2. At an M&T Bank ATM, 3. In person at any local M&T branch)
Pay for purchases conveniently with Apple Pay®, Google Pay™ or 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

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	12.24% - 19.24% Variable	$0	Good - Excellent

On M&T Bank's Secure Website

The M&T Business Credit Card is best for M&T customers who aren’t looking to earn rewards. This card offers an introductory 0% APR period on balance transfers and purchases for 12 billing cycles. Its ongoing variable APR is between 12.24% and 19.24%. You must apply at one of the bank’s branches, which are located in Washington D.C., Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia.

M&T Business Credit Card Costs

Similar to the M&T Business Rewards Credit Card, the M&T Business Credit Card charges no annual fee and offers no-interest financing for 12 billing cycles on purchases and balance transfers. However, this M&T business credit card does not offer rewards.

Financing costs and fees on the M&T Business Credit Card include:

Introductory APR: 0% APR for 12 billing cycles on purchases and balance transfers
Ongoing APR: 12.24% to 19.24% variable, which adjusts with the prime rate
Balance transfer fee: $10 or 4% of the transfer, whichever is greater
Annual fee: None

The M&T Business Credit Card has the same introductory APR and balance transfer fee as the M&T Business Rewards Credit Card. However, the ongoing APR of 12.24% to 19.24% is lower by two percentage points at either end of the range than the M&T Business Rewards Credit Card.

M&T Business Credit Card Rewards

The M&T Business Credit Card does not offer introductory bonuses or ongoing rewards. This means once the introductory 0% APR period is over, this card doesn’t hold much value, which is why it ranks low on our list.

If you want a card through M&T Bank that offers rewards, a good card option would be the M&T Business Rewards Credit Card. It offers 10,000 points after spending $500 on purchases within the first 90 days. Plus, you can earn 1.5% cash back on all spending.

M&T Business Credit Card Additional Features

Similar to most business credit cards, the M&T Business Credit Card offers common additional features, which include extended warranty protection and purchase security. Other cards offer better coverage, though.

The M&T Business Credit Card comes with the following additional features:

Extended warranty protection: The issuer will double the original manufacturer’s warranty by up to an additional year on warranties of three years or less. This coverage is limited to $10,000 per claim.
Purchase security: The issuer may repair, replace, or offer reimbursement for items purchased that are damaged or stolen within 90 days of purchase. This coverage is limited to $10,000 per claim.

The extended warranty protection and purchase security on the M&T Business Credit Card are identical to the M&T Business Rewards Credit Card. However, there are other business credit cards that offer better coverage. For example, American Express Blue Business® Plus covers warranties up to five years and offers a purchase protection window of 120 days.

What the M&T Business Credit Card Is Missing

This card is only available in Washington, D.C., and eight states, including Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia. Plus, it offers no introductory or ongoing rewards. A good alternative that offers both low interest and rewards is the American Express Blue Business® Plus card.

M&T Business Credit Card Reviews

We considered both user reviews and our own editorial review when rating this card. M&T Business Credit Card reviews are mixed. Much like the other M&T Bank business credit card, this card is only a good choice if you live near a branch location.

User Reviews

We found no user reviews online for the card. However, M&T Bank has a mix of positive and negative reviews. Customers like the small-town bank feel and enjoy its online banking product. There are some complaints about the bank’s customer service.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. The M&T Business Credit Card is a decent card at best. Although it offers a free-financing period, you will not be able to earn rewards and you must go into a branch location to apply.

How to Apply for the M&T Business Credit Card

To apply for the M&T Business Credit Card, you must visit one of its 750 branches. It has branches located in Washington, D.C., Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia. During the application process, you will be required to provide both basic business and personal information.

Citi Simplicity®: Best for Repaying Your Balance Over a 21-Month Period

On Citi's Secure Website

Citi Simplicity® Card

0% Intro APR on balance transfers for 21 months from date of first transfer.
0% Intro APR on purchases for 12 months from date of account opening.
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% for 12 months	16.74% - 26.74% Variable	$0	Good - Excellent

On Citi's Secure Website

Citi Simplicity® is a personal credit card that is best for business owners who need 21 months to repay their balance transfers. This is the longest 0% APR period on balance transfers among credit cards with a no-interest period. A personal credit card can be helpful if you’re just starting your business or can’t qualify for a business credit card. Its ongoing variable APR ranges between 16.74% and 26.74%.

Citi Simplicity® Costs

The Citi Simplicity® personal card for business owners offers the longest introductory 0% APR period on balance transfers among the cards on our list. Plus, this card charges no annual fee and a balance transfer fee of $5 or 5%, whichever is greater.

Financing costs and fees on Citi Simplicity® include:

Introductory APR: 0% APR for 21 months for balance transfers and 12 months on purchases; all transfers must be completed within the first four months
Ongoing APR: 16.74% to 26.74% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 5% of the transfer, whichever is greater
Annual fee: None

In comparison, the U.S. Bank Business Platinum Card offers 0% APR on purchases and balance transfers for 12 billing cycles. However, Citi Simplicity® ranks low on our list because personal credit cards don’t report payment activity to business credit bureaus.

Citi Simplicity® Rewards

Unlike most traditional business credit cards, Citi Simplicity® doesn’t offer any introductory rewards or ongoing rewards. The only other cards on our list that don’t offer both of these are the U.S. Bank Business Platinum Card, the M&T Business Credit Card, and the Chase Slate®. If you want to earn rewards and can qualify for a business credit card, the best option would be the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

Citi Simplicity® Additional Features

Citi Simplicity® doesn’t offer any of the purchase or travel protections we’ve seen on the rest of the credit cards on our business credit card balance transfer offers list. It does offer two perks that some individuals will find valuable: you’ll never pay a late fee, and you’ll never be assessed penalty APR for paying late.

If you’re looking for a business credit card that offers strong additional card features and protections, consider American Express Blue Business® Plus. It offers unrivaled additional card features that can be worth thousands of dollars annually. Such features include extended warranty protection, purchase protection, car rental insurance, and baggage insurance.

What the Citi Simplicity® Is Missing

Citi Simplicity® is not a business credit card, which means you won’t be able to use it to help build your business credit. Plus, this card doesn’t offer introductory or ongoing rewards. This means the card loses most of its value once the introductory 0% APR period ends. If you want to build your business credit, but can’t qualify for a normal business credit card, a good option would be a fair credit business credit card.

Citi Simplicity® Reviews

We considered both user reviews and editorial reviews when rating this card. This card offers the longest interest-free financing period on our list. However, it doesn’t report to the main business credit bureaus because it’s a personal card.

User Reviews

We searched the internet for Citi Simplicity® user reviews and found that most reviews are average. Cardholders enjoy the long introductory 0% APR period, as it helped them avoid heavy interest charges on other cards. However, some users complain about the card’s small credit limits.

Editorial Reviews

Citi Simplicity® offers the longest introductory 0% APR period on our list at 21 months. However, we don’t recommend this card to business owners who want to build their business credit. This is a personal card, so it doesn’t report to the main business credit reporting bureaus.

How to Apply for the Citi Simplicity®

You can apply for the Citi Simplicity® card online in just a few minutes. This card is one of the easier cards to get on our list because it’s a personal credit card. It can be an excellent way to cover operating capital expenses for your business until you can get approved for a small business credit card.