9 Best Business Credit Card Balance Transfer Offers 2019

Business credit card balance transfer offers allow you to move your balance from one card to another. The best business credit cards for balance transfers offer an introductory 0% APR period on balance transfers for up to 21 months. Additionally, cards on our list have ongoing variable APRs as low as 12.24%.

Top 9 Best Business Credit Card Balance Transfer Offers July 2019

What’s Changed With the Best Business Credit Card Balance Transfer Offers

This article was originally published in May 2019. We update the rankings of the best business credit cards for balance transfers because issuers regularly change introductory offers and APRs. Our most recent revisions include the addition of a small business credit card to our list.

Recent changes to the best business credit cards for balance transfer rankings are:

We Added a U.S. Bank Card to Our Best Business Credit Card Balance Transfer Offers List

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers an introductory 0% APR period for 15 billing cycles on balance transfers and purchases. We now rank this card as the best business credit card for balance transfers. We previously ranked American Express Blue Business^SM Plus as our top pick, which offers no-interest financing for 12 months on balance transfers and purchases.

How We Evaluated the Best Business Credit Card Balance Transfer Offers

To determine the best business credit card for balance transfers, we only considered business credit cards that offer an introductory 0% APR period on balance transfers. We also included two personal credit cards that can benefit business owners who can’t qualify for or who don’t want a small business credit card.

In our business credit card balance transfer evaluation, we considered the following criteria:

• Introductory APR on balance transfers: Whether a card offers an introductory 0% APR period on balance transfers. The best business credit card balance transfer offer is 0% APR for 15 billing cycles on balance transfers.
• Balance transfer fee: The fee assessed by the provider for a balance transfer. One card on our list charges no balance transfer fee; others cards charge 3% to 5% of the balance transferred.
• Ongoing APR: The ongoing interest rate charge on balance transfers and purchases. Cards on our list have ongoing APRs starting at 12.24%.
• Introductory rewards: Whether a card offers an introductory welcome offer by meeting a minimum spending requirement. Cards on this list have introductory rewards of up to $500.
• Ongoing rewards: The ongoing cash back or points rewards you can earn for your business-related purchases. Cards on our list have ongoing rewards up to 4% cash back.
• Additional features: Any free perks and benefits that may increase the value of the card, such as extended warranty protection and rental vehicle insurance. The best business credit cards for balance transfers provide fraud protection and insurance.

Most business credit cards check both your business and personal credit for approval. The best business credit cards typically require a personal credit score of at least 670. There are business credit cards for fair credit (580 to 669), but those cards don’t have balance transfer offers. You can compare the best business credit card balance transfer offers in our credit card marketplace.

We recommend the U.S. Bank Business Cash Rewards World Elite™ Mastercard® as the best business credit card for balance transfers. It charges 0% APR for the first 15 billing cycles on balance transfers and purchases. Plus, you can earn 3% cash back in bonus categories.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Overall Best Business Credit Card for Balance Transfers

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 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 will adjust 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^SM card. There is a personal credit card on our list that has a longer 0% APR period, but it doesn’t report to business credit bureaus and 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 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 when compared to other cards on our list. If you don’t want to track category bonuses, consider a fixed-rate rewards card like American Express Blue Business^SM Plus. That card pays 2x points per dollar spent on purchases up to $50,000, then 1x points per dollar 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 Mastercard 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 three cents per dollar spent on cellphone purchases and service, gas purchases, and office supply store purchases. All other redemptions are worth one 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 are similar to most business credit cards.

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 up 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 one year on warranties of five years or less. U.S. Bank will replace the item or reimburse you up to the amount charged on your card up to $10,000.

This card includes similar additional card perks when compared to American Express Blue Business^SM 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 recently increased its 0% APR offer and its sign-up bonus, making it a significantly stronger card. This card could be stronger if it offered stronger rewards on office supply spending.

User Reviews

Online reviews are mostly positive. Cardholders suggest they benefit from the card’s ongoing rewards and rewards redemption options. However, some users complain 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.

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American Express Blue Business^SM Plus: Best for Fixed-rate Rewards

American Express Blue Business^SM Plus is the best for business owners who want to earn fixed-rate rewards. 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 APR starts at 15.49%.

American Express Blue Business^SM Plus Costs

The American Express Blue Business^SM 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^SM 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: 15.49% to 21.49% variable, which will adjust with the prime rate
• Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
• Annual fee: None

American Express Blue Business^SM 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^SM Plus Rewards

American Express Blue Business^SM 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 six 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.

How to Redeem Your 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^SM 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^SM 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.

These additional features are common across small business credit cards. However, the length of coverage on purchase protection is longer than the 90 days the U.S. Bank Business Platinum Card provides.

What the American Express Blue Business^SM Plus Is Missing

American Express Blue Business^SM 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^SM Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Blue Business^SM 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^SM 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^SM 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^SM Plus

You can apply for the American Express Blue Business^SM 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.

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

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 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 balance transfer fee as low as $5.

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 will adjust 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 American Express Blue Business^SM Plus. Additionally, the U.S. Bank Business Platinum Card has a lower ongoing APR by two percentage points compared to the American Express Blue Business^SM Plus. However, we rank it below American Express Blue Business^SM 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 when 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 keep interest charges on future balances to a minimum.

American Express Blue Business^SM 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, which include 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. The 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^SM 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 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. U.S. Bank Business Platinum 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 about the weak rewards structure.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. Editorial reviews suggest that 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 doesn’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.

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

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 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 will adjust 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 outrank other top business credit cards on our list. For example, neither American Express Blue Business^SM Plus 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^SM Plus offers two points on your first $50,000, and then one point thereafter. American Express Blue Business^SM Plus would be a better option if your credit card expenses are less than $50,000 per year.

How to Redeem Your 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 as 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 compared to other fixed-rate rewards cards on our list. With American Express Blue Business^SM 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.

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 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.

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

The M&T Business Rewards Credit Card is best for business owners who live in the eight northeastern states where M&T 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 APR is between 14.49% and 21.49%.

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: 14.49% to 21.49% variable, which will adjust with the prime rate
• Balance transfer fee: $10 or 4%, 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 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^SM Plus.

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, which falls short of other cards on our list.

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. If you don’t mind earning rewards points instead of cash back, the American Express Blue Business^SM Plus credit card offers 2x points on up to $50,000 annually.

How to Redeem Your 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 one cent when you redeem them for cash, gift cards, or airfare. The redemption value may be worth more or less than one 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 by 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^SM 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 eight states, 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.

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

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 APR starts at 13.24%.

Huntington Voice Business Credit Card^SM Costs

The Huntington Voice Business Credit Card^SM charges no annual fee and has an ongoing APR as low as 13.24%. 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: 13.24% to 24.24% variable, which will adjust with the prime rate
• Balance transfer fee: $10 or 3%, 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 promotional period ends, its ongoing APR is between 13.24% and 24.24%. 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. Both American Express Blue Business^SM Plus and the Wells Fargo Business Platinum Credit Card only offer fixed-rate rewards.

How to Redeem Your Rewards

You can redeem your rewards for cash back, gift cards, travel, and merchandise through the bank’s website. Each point is worth one 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 levels and longer coverage windows. For example, American Express Blue Business^SM offers purchase protection for 120 days from the purchase date compared to 90 days.

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, a good alternative would be the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. We recommend the U.S. Bank Business Cash Rewards World Elite™ Mastercard® 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 introductory 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.

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

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 APR is between 12.49% and 19.49%. You must apply at one of this 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: 12.49% to 19.49% variable, which will adjust with the prime rate
• Balance transfer fee: $10 or 4%, 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 12.49% to 19.49% 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^SM 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^SM 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

This business credit card was released in June 2018. We have not found any user reviews. 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.

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

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 APR ranges between 16.99% and 26.99%.

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
• Ongoing APR: 16.99% to 26.99% variable, which will adjust with the prime rate
• Balance transfer fee: $5 or 5%, 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 either of these are the U.S. Bank Business Platinum Card, the M&T Business Credit Card, and 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^SM 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 Citi Simplicity® 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.

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Chase Slate®: Best for No Balance Transfer Fees

Chase Slate® is a personal credit card that is best for business owners who want a card that charges no balance transfer fees. This is the only credit card on our list that offers no balance transfer fees. Plus, it has an introductory 0% APR period for 15 months on purchases and balance transfers. Its ongoing APR is between 17.24 and 25.99%.

Chase Slate® Costs

Chase Slate® is a personal card for business owners that charges no annual fees. Plus, it charges no balance transfer fees on transfers made within the first 60 days.

Financing costs and fees on Chase Slate® include:

• Introductory APR: 0% for 15 months on purchases and balance transfers
• Ongoing APR: 17.24 to 25.99% variable, which will adjust with the prime rate
• Balance transfer fee: None on transfers made within 60 days of account opening; after that, either $5 or 5%, whichever is greater
• Annual fee: None

Chase Slate® offers 0% APR on both purchases and balance transfers for 15 months. Plus, it’s the only card on our best business credit cards for balance transfers list that does not charge a balance transfer fee. Other cards charge a small fee, like American Express Blue Business^SM Plus, which has a balance transfer fee of 3%.

Chase Slate® Rewards

Chase Slate® doesn’t offer any introductory or ongoing rewards, much like the U.S. Bank Business Platinum Card, the M&T Business Credit Card, and Citi Simplicity®. Although it offers a long 0% APR period, this card doesn’t provide much value once the promotional period is over. The main purpose of this card is to get out of debt as cheaply as possible. If you want to earn rewards, a good alternative would be the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

Chase Slate® Additional Features

Chase Slate® offers very few additional features that are typically found on traditional small business credit cards. However, it does offer a free FICO credit score, purchase protection, and no-penalty APR.

Chase Slate® comes with the following additional features:

• A free FICO score: The credit card issuer will update your FICO score every month and address the reasons why your FICO score increased or decreased.
• Purchase protection: Covers purchases on the Chase Slate® for 120 days from damage or theft. The coverage is limited to $500 per claim and $50,000 per year.
• No-penalty APR: You will not be charged a penalty APR for paying late. This is the same as Citi Simplicity®.

Most personal credit cards typically don’t offer as many additional features as small business credit cards. However, Chase Slate® purchase protection coverage is similar to what’s offered on American Express Blue Business^SM Plus. The American Express Blue Business^SM Plus card offers 120 days of coverage, but it limits the coverage to $1,000 per claim compared to $500.

What the Chase Slate® Is Missing

This personal credit card does not offer any introductory or ongoing rewards. Plus, it’s not a business card, so it won’t help you build your business credit because it doesn’t report to the main business credit bureaus. The main purpose of this credit card is to get out of debt as cheaply as possible. It has 0% APR on balance transfers for 15 months and no balance transfer fee on transfers made within 60 days.

Chase Slate® Reviews

We considered both user reviews and editorial reviews when rating this card. This is an excellent card if you want a personal credit card and no balance transfer fees. However, it has a high ongoing APR.

User Reviews

We read through several online Chase Slate® user reviews and found that most are average. Some cardholders complain about the card having a high ongoing APR. However, users enjoy this card for its balance transfer purpose.

Editorial Reviews

Chase Slate® is a good personal credit card that offers no balance transfer fees and an introductory 0% APR period. However, it falls low on our list because it doesn’t report to the business credit reporting agencies and has a high ongoing APR.

How to Apply for the Chase Slate®

You can apply for Chase Slate® online in a matter of minutes, and you can be approved immediately. Once approved, you will receive your credit card in the mail within seven to 10 days.

Note: The information related to the Chase Slate® Credit Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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Pros & Cons of Best Business Credit Cards for Balance Transfers

Business credit card balance transfer offers help business owners move credit card balances to cards with lower interest rates. These business credit cards can help you save money on interest, consolidate your payments, and earn better rewards. However, low balance transfer interest rates don’t last forever.

Pros of Best Business Credit Cards for Balance Transfers

The pros of the best business credit cards for balance transfers are:

• They help reduce the amount of interest you’re paying: Balance transfers can help you move balances from credit cards with higher interest rates to credit cards with lower interest rates. Plus, some of the best business credit cards offer introductory 0% APR periods on balance transfers.
• You can consolidate your credit card payments: You can combine multiple credit card balances by moving them over to a balance transfer business credit card. This allows you to focus on one credit card payment every month compared to making several payments for different credit cards.
• You can move your debt to a stronger credit card: In addition to transferring balances to cards with lower interest rates, this also gives you the opportunity to choose a card with better rewards. Choosing a credit card with a strong rewards structure can provide more value beyond the business credit card balance transfer offer.

Cons of Best Business Credit Cards for Balance Transfers

The cons of the best business credit cards for balance transfers are:

• You typically need strong personal credit scores: To qualify for a balance transfer business credit card, it’s likely you will need a personal credit score of 670 or higher. If your credit score is below 670, you could use a business credit card for fair credit.
• The low balance transfer interest rate doesn’t last forever: Typically, the best business credit cards for balance transfers offer 0% APR for up to 15 billing cycles. If you’re using a balance transfer card to help pay off debt, it’s important to have your balance paid down by the end of the promotional period to avoid interest charges.
• You may have to pay a balance transfer fee: Most business credit cards charge a small balance fee of between 3% and 5% of the transfer amount. Typically, card providers will set the balance transfer fee minimum to $5 or $10.

Frequently Asked Questions (FAQs) About Business Credit Card Balance Transfers

We covered a lot of information about the best business credit cards for balance transfers. Some questions are asked more often than others, and we address those here. If you have any additional questions, please visit the Fit Small Business forum or leave a comment below, and we will provide an answer.

The most frequently asked questions about business credit card balance transfers are:

Can you transfer a business credit card balance to a personal credit card?

You can transfer a business credit card balance to a personal credit card, depending on the card issuer. However, it’s important to note that you can’t build your business credit by using a personal credit card. If you want to build your business credit, it’s best to use a business credit card.

What balance transfer credit card is best for self-employed workers?

The best credit cards for self-employed workers are those that charge no annual fees, charge low ongoing interest, and offer an introductory 0% APR period, similar to sole proprietorship credit cards. We believe the best balance transfer credit card for self-employed workers is the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

Do balance transfers affect your credit score?

Depending on a few different factors, balance transfers can either have a positive or negative impact on your credit score. Applying for several low-interest credit cards at once may hurt your credit score. If done correctly, balance transfers can help you pay down your debt and improve your credit score.

Bottom Line

A balance transfer is an excellent way for business owners to move their credit card balances to a card that offers 0% APR. The best business credit cards for balance transfers offer introductory 0% APR periods up to 15 billing cycles. You can also compare these cards with other small business credit cards through our credit card marketplace.

We believe the U.S. Bank Business Cash Rewards World Elite™ Mastercard® is the best business credit card for balance transfers because it combines a long 0% APR period with a strong rewards structure. You can apply online in a matter of minutes and receive an approval immediately.

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