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The best business credit cards for balance transfers help reduce interest and often feature low or $0 balance transfer fees, making them an effective tool for consolidating and managing debt. When choosing the right card, it’s essential to weigh factors like introductory terms, ongoing APRs, annual fees, and any additional rewards or benefits. This list includes a mix of personal and business credit cards tailored to meet various financial needs and strategies.
Here are the six best business credit cards for balance transfer transactions:
- PNC Visa Business Credit Card: Overall best for 0% APR on transfers and purchases for 13 months plus low ongoing APR
- Edward Jones Business Plus Mastercard: Best for $0 balance transfer fee and 0% APR on transfers for 12 billing cycles
- American Express Blue Business® Plus Credit Card: Best for low balance transfer fee and 2X points up to $50,000 per year
- American Express Blue Business Cash™ Card: Best for low balance transfer fee and 2% cashback up to $50,000 per year
- Citi Simplicity® Card: Best personal card with 0% APR on transfers for 21 months
- BMO Business Platinum Credit Card: Best for low balance transfer fees and rebates through Mastercard Easy Savings®
- Overview of the Best Business Credit Cards for Balance Transfers
- PNC Visa Business Credit Card: Overall Best for 0% APR on Transfers and Purchases for 13 Months Plus Low Ongoing APR
- Edward Jones Business Plus Mastercard: Best for $0 Balance Transfer Fee and 0% APR on Transfers for 12 Billing Cycles
- American Express Blue Business® Plus Credit Card: Best for Low Balance Transfer Fee and 2X Points up to $50,000 Per Year
- American Express Blue Business Cash™ Card: Best for Low Balance Transfer Fee and 2% Cash Back up to $50,000 Per Year
- Citi Simplicity® Card: Best Personal Card with 0% APR on Transfers for 21 Months
- BMO Business Platinum Credit Card: Low Balance Transfer Fee and Rebates Through Mastercard Easy Savings®
- How We Selected the Best Balance Transfer Business Credit Cards
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best Business Credit Cards for Balance Transfers
| Best For | Annual Fee | Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|
 PNC Visa Business Credit Card | 0% APR on transfers and purchases for 13 months plus low ongoing APR | $0 | None | Good to Excellent | Apply now |
 Edward Jones Business Plus Mastercard | $0 balance transfer fee and 0% APR for 12 months | $25, waived with at least one purchase | Up to 4x points | Good to Excellent | Apply now |
 American Express Blue Business® Plus Credit Card | Low balance transfer fee and 2X points up to $50,000 per year | $0 | Up to 2x points | Good to Excellent | Apply NowRates & Fees |
 American Express Blue Business Cash™ Card | Low balance transfer fee and 2% cash back up to $50,000 per year | $0 | Up to 2% cash back | Good to Excellent | Apply NowRates & Fees |
 Citi Simplicity® Card | Personal card with interest-free balance transfers for 21 months | $0 | None | Good to Excellent | Apply now |
 BMO Business Platinum Credit Card | Low balance transfer fee and rebates through Mastercard Easy Savings® | $0 | None | Good to Excellent | Apply now |
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PNC Visa Business Credit Card: Overall Best for 0% APR on Transfers and Purchases for 13 Months Plus Low Ongoing APR
| Intro APR | 0% on purchases and balance transfers for the first 13 billing cycles |
|---|---|
| Regular APR | 17.24% to 27.24% variable |
| Annual Fee | $0 |
| Credit Needed | Good to Excellent |
Why We Like It
- Competitive introductory offer: Benefit from 0% APR on balance transfers for 13 billing cycles within the first 90 days, giving you ample time to reduce debt.
- Low ongoing APR: After the introductory period, enjoy a competitive ongoing APR, making it a cost-effective option for long-term financial management.
- $0 annual fee: Keep expenses low while consolidating debt, making it a practical choice for small businesses.
- Affordable balance transfer fee: Either 5% of the amount of the transfer or $5, whichever is greater
Ongoing Rewards
PNC Visa® Business Credit Card doesn’t have a rewards program, but it offers several valuable benefits for business owners.
Benefits
- Cash Flow Insight®: Monitor spending habits for both you and your employees while planning and budgeting for future business needs with this intuitive tool.
- Free employee cards: Issue additional cards to your employees at no extra cost.
- Customizable spending controls: Set individual spending limits for employee cards, ensuring better oversight and control of your business expenses.
- Visa protections and perks: Enjoy benefits like Zero Liability Protection for unauthorized transactions, Purchase Security for coverage against theft or damage within 90 days, and Extended Warranty Protection to extend the manufacturer’s warranty on eligible purchases
Who Should Consider It
- Those looking to consolidate high-interest balances or finance large purchases
- Those who prioritize low costs over rewards
- Those who prefer simplicity in managing expenses
- Those with PNC Bank checking accounts
Edward Jones Business Plus Mastercard: Best for $0 Balance Transfer Fee and 0% APR on Transfers for 12 Billing Cycles
| Intro APR | None |
|---|---|
| Regular APR | 20.24% to 29.99% variable |
| Annual Fee | None with at least one purchase to your account each year, otherwise $25 |
| Credit Needed | Good to excellent |
Why We Like It
- $0 fee transfers: Say goodbye to transfer fees during the first 60 days, making it perfect for budget-conscious businesses.
- Interest-free breather: Enjoy 0% APR on balance transfers for 12 billing cycles, giving you the breathing room to focus on paying down debt without added costs.
- Simplicity at its best: This card delivers what businesses need most—affordability and ease for consolidating balances efficiently.
Ongoing Rewards
- 1.5% cash back (or 1.5 Loyalty Points®) on the first $40,000 spent annually, then 2% cash back (or 2 Loyalty Points®) on all additional purchases.
- 4 Bonus Loyalty Points® on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center
Here’s an example of the potential reward value you could earn with this card:
| Category | Reward Rate | Estimated Annual Spend | Earned Points | Annual Reward Value |
|---|---|---|---|---|
| All Purchases | 1.5% | $40,000 | 60,000 | $600 |
| All Purchases after cap is met | 2% | $5,000 | 10,000 | $100 |
| Prepaid hotels and car rentals | 4x | $25,000 | 100,000 | $1,000 |
| Total Annual Reward Value | $1,700 |
Other Benefits
- Zero fraud liability: You’re not held responsible for unauthorized charges, ensuring peace of mind.
- Enhanced ID theft protection: Access services to monitor and protect your identity against theft.
- Extended warranty: Doubles the original manufacturer’s warranty up to an additional 12 months on eligible purchases.
- Purchase assurance: Provides coverage for most new items against damage or theft within 90 days of purchase, up to $1,000 per claim.
- MasterRental insurance: Offers coverage for physical damage and theft to most rental vehicles when you decline the rental company’s collision damage waiver and pay with your card.
- Travel assistance services: Includes pre-trip planning, medical and legal referrals, and emergency ticket replacement when traveling 50 miles or more from home.
- $0 Foreign transaction fees: Make international purchases without additional fees.
- Spend Analysis tool: Track and analyze your business expenses with free online tools.
Who Should Consider It
- Those who want to earn Loyalty Points® on every business purchase without complicated categories
- Those who are Edward Jones clients and want a card aligned with their financial services
- Those seeking a straightforward card with a waivable $25 annual fee for cost-effective business spending
American Express Blue Business® Plus Credit Card: Best for Low Balance Transfer Fee and 2X Points up to $50,000 Per Year
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Why We Like It
- Low balance transfer fees: With a competitive 3% or $5 fee, this card offers cost-effective debt consolidation.
- High rewards potential: Earn Membership Rewards® points, making it perfect for businesses with consistent expenses.
- Flexible spending power: Take advantage of expanded buying power that adjusts to your business needs, providing extra flexibility.
Ongoing Rewards
- 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first three months of Card Membership.
- 2x points on the first $50,000 in purchases each year.
- 1x point on all purchases after the cap is met.
Here’s an example of the potential reward value you can get from this card if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Earned Points | Annual Reward Value |
|---|---|---|---|---|
| All Purchases | 2x | $50,000 | 100,000 | $500 |
| All Purchases after cap is met | 1x | $25,000 | 25,000 | $125 |
| Welcome OfferProvided $3000 is spent within the first three months | 15,000 | $75 | ||
| Total Annual Reward Value | $700 |
Other Benefits
- Account management tools: Take advantage of account management tools, including the American Express® Business App and Connect to QuickBooks tool.
- Vendor Pay by BILL: Pay your business bills and enhance cash flow management through Vendor Pay by BILL. It comes with a $0 monthly fee for the first user and a $0 fee for a second user for six months with the Basic plan. After six months, you’ll only need to pay $15 per month for the second user.
Who Should Consider It
- Those with up to $50,000 in annual expenses
- Those who need to spend over their credit limits
American Express Blue Business Cash™ Card: Best for Low Balance Transfer Fee and 2% Cash Back up to $50,000 Per Year
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Why We Like It
- Affordable transfers: With a low 3% or $5 balance transfer fee, it’s a budget-friendly choice for managing debt.
- Consistent cash back: Earn cash back on eligible purchases, allowing businesses to save on everyday expenses throughout the year.
- Straightforward savings: Cashback is automatically credited to your statement, making it easy to track your savings.
- Expanded buying power: Spend over your credit limit and enjoy cash flow flexibility.
Ongoing Rewards
- $250 statement credit after spending $3,000 in purchases within the first three months
- 2% cash back on the first $50,000 in eligible purchases
- 1% cash back after the $50,000 purchase cap is met
Here’s an example of the rewards you could earn if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All Purchases | 2% | $50,000 | $1,000 |
| All Purchases after cap is met | 1% | $25,000 | $250 |
| Welcome OfferProvided $3000 is spent within the first three months | $250 | ||
| Total Annual Reward Value | $1,500 |
Other Benefits
- QuickBooks integration: Connect to QuickBooks so your financial transactions are automatically tagged with your QuickBooks categories.
- Year-end summary: Get access to a complete summary of your spending, which is categorized by month and purchase type, at the end of each year.
- Free employee cards: Add employee cards at no additional cost and monitor employee spending with alerts and summary reports.
- Account managers: Assign a trusted employee or partner as account manager to access and manage your business credit card account so you can delegate this task when needed.
- Vendor Pay by Bill.com: Use your card to pay bills with Vendor Pay by BILL. You can take advantage of free access to the Basic Plan for the first user and a $0 fee for the second user for six months. Note that you’ll pay $15 per month for the second user after the free trial period.
Who Should Consider It
- Those with up to $50,000 in annual expenses
- Those who don’t want to monitor spending categories
- Those who may exceed their credit limit
Citi Simplicity® Card: Best Personal Card with 0% APR on Transfers for 21 Months
| Intro APR | 0% for 12 months on purchases; 21 months for balance transfers |
|---|---|
| Regular APR | 18.74% to 29.49% variable |
| Annual Fee | $0 |
| Credit Needed | Good - Excellent |
Why We Like It
- Unmatched intro APR period: Enjoy an impressive 21 months of 0% APR on balance transfers after a transfer was made within four months, one of the longest in the market.
- No surprise fees: With a $0 annual fee, late fees, and penalty APR, it’s designed for stress-free debt management.
- Simple and effective: This card focuses on helping you pay off debt without distractions, making it perfect for personal financial recovery.
Ongoing Rewards
Citi Simplicity® Card offers no rewards for its new and existing cardholders. However, you can use the long introductory 0% APR period on both purchases and balance transfers to help you pay off your credit card debt.
Other Benefits
- Flexible payment due dates: Choose your payment due date to align with your cash flow, enhancing your financial management.
- $0 liability on unauthorized charges: Stay protected against unauthorized transactions, ensuring peace of mind.
Who Should Consider It
- Those with high-interest credit card debt seeking a lengthy 0% APR balance transfer period
- Those who occasionally miss payment deadlines and want to avoid late fees or penalty APR increases
- Those who value flexibility in choosing their payment due date
- Those who prioritize debt repayment over earning rewards or cashback benefits
BMO Business Platinum Credit Card: Low Balance Transfer Fee and Rebates Through Mastercard Easy Savings®
| Intro APR | 0% |
|---|---|
| Regular APR | 16.49% - 25.49% variable |
| Annual Fee | None |
| Credit Needed | Good to Excellent |
Why We Like It
- Low APR on transfers: Benefit from an APR as low as 16.74% on balance transfers, making it a cost-effective option for managing debt.
- 0% introductory APR on purchases: Enjoy interest-free purchases for the first 12 months, giving you flexibility to manage big expenses.
- Automatic savings: Take advantage of rebates on qualifying purchases through the Mastercard Easy Savings® program, adding ongoing value.
- $0 annual fee: Keep overhead costs low while managing debt efficiently, making it ideal for budget-conscious business owners.
Ongoing Rewards
This card does not offer ongoing and introductory rewards on purchases. However, you can earn up to 25% automatic rebates at over 40,000 merchants under the Mastercard Easy Savings® program.
Here’s an example of the potential rebates value you could get when using this card:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| Software (e.g., Slack, Dropbox, McAfee) | $500/month with a 25% partner discount | $6,000 | $1,500 |
Other Benefits
- Free employee cards: Add up to 20 employee cards at no extra cost.
- Cellphone protection: Receive up to $600 in coverage for eligible damage or theft when you pay your monthly wireless bill with the card.
- Accounting and tax discounts: Save on Intuit QuickBooks and TurboTax to simplify bookkeeping and tax preparation for your business.
- Mastercard benefits suite: Access features like Mastercard Identity Check™ for secure online shopping, ID Theft Protection™ to monitor and safeguard your identity, MasterRental® for rental car insurance, and Global Service™ for 24/7 assistance worldwide.
Who Should Consider It
- Those based in regions with BMO branchesIllinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida
- Registered corporations, LLCs, or sole proprietorships looking for an efficient balance transfer option (Note: nonprofits are ineligible)
- Those who value rebates on eligible purchases through the Mastercard Easy Savings® program
How We Selected the Best Balance Transfer Business Credit Cards
To select the best business card balance transfer offers, we first considered the length of the introductory 0% balance transfer APR. We also considered transfer fees, annual fees, ongoing APRs, rewards, other features, and whether the card has a 0% APR offer on purchases.
Frequently Asked Questions (FAQs)
Yes, you can carry a balance on most business credit cards, but it’s important to note that interest will accrue on unpaid balances unless the card offers a 0% introductory APR period. To avoid high-interest charges, try to pay off your balance in full each billing cycle whenever possible.
Balance transfers can temporarily impact your credit score, particularly if opening a new card results in a hard inquiry or if your credit utilization increases during the transfer process. However, responsibly managing the new balance by making on-time payments and reducing debt over time can ultimately improve your credit score.
Yes, you can, as most business credit card issuers allow you to do so. However, keeping your business and personal financial transactions separate is best to avoid accounting and tax issues. If you have previously used your personal credit card for business-related expenses, make sure to keep a record of those transactions so you won’t get into trouble come tax time.
Bottom Line
The best business credit cards for balance transfers help you take control of high-interest debt while offering perks like rewards, extended 0% APR periods, and cost-saving features. Choose a card that aligns with your business needs—whether it’s low fees, competitive APR, or added benefits—and start streamlining your finances. With the right card, you can consolidate debt, save money, and set your business up for long-term success.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business® Plus
American Express Blue Business® Cash™
