10 Best Business Credit Card Balance Transfer Offers 2020

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 13.99% - 24.99%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	13.99% - 24.99% 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 13.99%.

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

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: 13.99% to 24.99% 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.

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

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 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. Read the U.S. Bank Business Cash Rewards World Elite™ Mastercard® review for more information.

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.

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, 14.74%, 17.74%, or 20.74%, 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	14.74% - 20.74% Variable	No annual fee	Good, Excellent

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

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 14.74%.

American Express Blue Business Cash™ Card Costs

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: 14.74% to 20.74% 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.

American Express Blue Business Cash™ Card Additional Features

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. Read more about it in our American Express Blue Business Cash™ Card review.

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® 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, 14.74%, 17.74% or 20.74%, 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	14.74% - 20.74% Variable	No annual fee	Good, Excellent

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

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 14.74%.

American Express Blue Business® Plus Costs

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: 14.74% to 20.74% 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 don’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.

American Express Blue Business® Plus Additional Features

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 manufacturers’ 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.

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 11.99% - 19.99%*
No annual fee*
Free employee cards

Zero fraud liability* protects you against unauthorized transactions

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	11.99% - 19.99% 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 11.99% and 19.99%. This business credit card charges a balance transfer fee of at least $5 and offers no rewards.

U.S. Bank Business Platinum Card Costs

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: 11.99% to 19.99% 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 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. You read more in our U.S. Bank Business Platinum Card review.

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.

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%	12.74% - 22.74% 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 12.74% and 22.74%.

Wells Fargo Business Platinum Credit Card Costs

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: 12.74% to 22.74% 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, and 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.

Wells Fargo Business Platinum Credit Card Additional Features

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. Read more in our Wells Fargo Business Platinum Credit Card review.

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.

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%	13.74% - 20.74% 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 13.74% and 20.74%.

M&T Business Rewards Credit Card Costs

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: 13.74% to 20.74% 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.

M&T Business Rewards Credit Card Additional Features

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. Read more in our M&T Business Rewards Credit Card review.

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.

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 12.49%.

Huntington Voice Business Credit Card^SM Costs

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: 12.49% to 23.49% 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 12.49% and 23.49%. 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.

Huntington Voice Business Credit Card^SM Additional Features

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. Read more in the Huntington Voice Business Credit Card^SM review.

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.

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 11.74% and 18.74%. 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

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: 11.74% to 18.74% 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 11.74% to 18.74% 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

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. Read more in our full M&T Business Credit Card review.

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.

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	16.24% - 26.24% Variable	$0	Good - Excellent