4 Best Business Balance Transfer Cards

Jodie Price

By Jodie Price | Updated August 21, 2025

Choosing the right business balance transfer card can help reduce interest costs and improve cash flow. The best options offer 0% introductory APRs, low or no transfer fees, and added rewards or benefits that suit various business needs. This guide highlights four top cards that balance introductory offers with long-term value to support smarter debt management.

  • Edward Jones Business Plus MasterCard®

    The Edward Jones Business Plus MasterCard® is tailored for business owners who want a cost-effective way to manage existing debt without interest. Available only to Edward Jones clients working with a financial advisor, it stands out by offering a 0% APR on balance transfers with no transfer fees.

    It’s an ideal fit for business owners seeking long-term savings while maintaining a relationship with their advisor.

    Earning Structure:

    • 1.5 Loyalty Points® per $1 spent on all eligible purchases
    • 2 Loyalty Points® per $1 spent on net purchases over $40,000 annually

    Welcome Bonus:

    Welcome bonus offers vary and are provided at the advisor’s discretion; terms should be confirmed during onboarding.

    Card Details:

    • Annual fee: $0
    • Balance transfer fee: None
    • Intro APR: 0% on balance transfers for 12 billing cycles (initiated within 60 days of account opening)
    • Ongoing APR: 19.24%–29.24% variable

    Key Benefits:

    • 0% intro APR on balance transfers helps reduce interest costs
    • No fee on balance transfers saves extra cost
    • Earn Loyalty Points® on purchases
    • Annual fee waived

    Redemption Options:

    Loyalty Points® can be redeemed for travel, gift cards, or statement credits, depending on Edward Jones’s current redemption program.

    Credit Requirements:

    Applicants must be business clients of Edward Jones and typically require good to excellent business credit for approval.

    Spending Limitations / Potential Drawbacks:

    This card requires having an Edward Jones financial advisor and may not report to personal credit bureaus.

    Why it Works for Beginners:

    It offers a risk-free way to transfer balances with no fees and a long interest-free period, which helps new users manage business debt more easily.

  • PNC Visa® Business Credit Card

    The PNC Visa® Business Credit Card helps business owners manage expenses and debt with a strong introductory APR offer and flexible reward options. It offers both 0% APR for purchases and balance transfers and varying rewards structures depending on the card version you choose.

    Designed for businesses seeking both short-term interest relief and ongoing value from rewards, it’s ideal for those who want to consolidate debt while earning either cash back or points on expenses.

    Earning Structure:

    • Rewards vary by card version; options include cash back or points for business purchases
    • Some versions offer elevated earnings on specific categories, depending on merchant and card type

    Welcome Bonus:

    Offers potential cash-back or points rewards after meeting the issuer’s spending requirement in the first few months—verify current terms when applying.

    Card Details:

    • Annual fee: $0 on select versions
    • Intro APR: 0% on purchases and balance transfers for 13 billing cycles, then variable APR (typically around 16.24%–26.24%)
    • Foreign transaction fees: None on most versions
    • Other perks: Access to online business management tools, digital statements, and expense tracking

    Key Benefits:

    • Long 0% intro APR period for balance transfers
    • Flexible for new or ongoing business expenses
    • Easy online application and management through PNC’s portal
    • Option to choose between cash back and rewards cards depending on needs

    Redemption Options:

    This card does not offer any rewards or redemption options, as its value lies primarily in its introductory interest savings rather than ongoing perks.

    Credit Requirements:

    A good to excellent personal or business credit profile is typically required, generally with a FICO score around 700 or higher.

    Spending Limitations / Potential Drawbacks:

    This card does not offer any rewards or welcome bonus, limiting its long-term value for ongoing spending. Its main benefit is the short-term interest savings, making it less appealing for purchases beyond balance transfers or initial expenses.

    Why it Works for Beginners:

    It’s user-friendly and provides a long interest-free period, helping new business owners manage cash flow and reduce debt without extra interest.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a versatile business credit card that offers a 0% introductory APR on balance transfers and purchases for a set period. It helps business owners manage high-interest debt while earning cash back on everyday spending.

    This card has no annual fee, making it a budget-friendly option for businesses wanting to save on interest and earn rewards. It suits businesses that want to combine debt management with reward earning.

    Earning Structure:

    • 1.5% cash back on all purchases, no limits or categories
    • 5% cash back on travel purchased through Chase Ultimate Rewards®
    • 3% cash back on dining and drugstore purchases

    Welcome Bonus:

    Earn $200 cash back after spending $500 within the first 3 months of card membership.

    Card Details:

    • Annual fee: $0
    • APR: 0% introductory APR on purchases and balance transfers for 15 billing cycles; then variable rate (typically around 18%–28%)
    • Foreign transaction fees: None
    • Other perks: Access to Chase Ultimate Rewards® program, purchase protection, and extended warranty benefits

    Key Benefits:

    • Helps reduce interest with long 0% intro APR
    • Unlimited cash back on all purchases
    • No annual fee lowers overall card cost
    • Purchase protection and extended warranty

    Redemption Options:

    Rewards can be redeemed for cash back, travel, gift cards, or statement credits through the Chase Ultimate Rewards® portal.

    Credit Requirements:

    Approval typically requires good to excellent credit, generally a FICO score of 700 or higher.

    Spending Limitations / Potential Drawbacks:

    Balance transfers may have a fee, usually a percentage of the amount transferred. The standard APR post-intro can be high if balances remain.

    Why it Works for Beginners:

    It’s simple to use with straightforward cash back and a lengthy 0% intro APR to help business owners manage debt without immediate interest.

  • Citi Custom Cash® Card

    The Citi Custom Cash® Card is designed for small businesses that want a debt-management-friendly card with simple rewards. It automatically identifies your highest spending category each billing cycle and applies bonus earnings accordingly, all paired with a long introductory APR period.

    This card is perfect for business owners who want both balance transfer options and targeted rewards without the hassle of manually tracking categories.

    Earning Structure:

    • 5% cash back on the top eligible spending category each billing cycle, up to $500
    • 1% cash back on all other purchases
    • 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal (limited-time offer)

    Welcome Bonus:

    Earn a $200 bonus cash back after spending $1,500 within the first 3 months of account membership.

    Card Details:

    • Annual fee: $0
    • APR: 0% introductory APR on purchases and balance transfers for 15 billing cycles, then 18.24%–28.24% variable
    • Foreign transaction fees: None
    • Other perks: Access to Citi ThankYou® Points program; no cap on total rewards earned

    Key Benefits:

    • High cash back rate in your top spending category
    • Introductory 0% APR on balance transfers and purchases
    • No annual fee helps reduce ongoing costs
    • Travel-related cash back boosts rewards on select bookings

    Redemption Options:

    Cash back is earned as ThankYou points, which can be redeemed for statement credits, gift cards, or travel.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify for this card.

    Spending Limitations / Potential Drawbacks:

    The 5% cash back is capped at $500 per billing cycle, limiting rewards for high spenders in that category.

    Why it Works for Beginners:

    This card provides simple cash back rewards and a long 0% APR period, helping new business credit users manage spending and pay off balances without incurring high interest.

Frequently Asked Questions

What are the key features to look for in a business balance transfer card?

The most important features include a long 0% intro APR on balance transfers and low or no balance transfer fees. Cards like the Edward Jones Business Plus MasterCard®, which charges no transfer fee, and the PNC Visa® Business Credit Card, with a 13-month intro APR, offer excellent value. Extra rewards, like those from the Chase Freedom Unlimited®, also add long-term benefits.

How do I qualify for a 0% APR balance transfer business credit card?

To qualify, you’ll typically need good to excellent credit and verifiable business income. Some issuers, like Edward Jones, may also require you to be a client before applying. Business age, personal credit history, and revenue may influence approval for cards such as the Citi Custom Cash® Card or PNC Visa® Business Credit Card.

Can I transfer multiple credit card balances to a single business balance transfer card?

Yes, most cards let you consolidate balances as long as the total doesn’t exceed your credit limit. For example, the Chase Freedom Unlimited® and Citi Custom Cash® Card both support multiple transfers with an intro 0% APR. Just remember that each transfer may carry a fee unless waived, as with the Edward Jones Business Plus MasterCard®.

Are there any fees associated with business credit card balance transfers?

Most cards charge a fee of 3% to 5% on transferred amounts, but exceptions exist. The Edward Jones Business Plus MasterCard® stands out for charging no balance transfer fee, while others like the PNC Visa® Business Credit Card may offer temporary waivers. Always check the fine print, as fees can reduce your overall interest savings.

What is the typical duration of introductory rates for business card balance transfers?

Introductory APR periods usually last between 12 to 15 months, as seen with the Citi Custom Cash® Card and Chase Freedom Unlimited®, both offering 15 months. The PNC Visa® Business Credit Card extends this to 13 billing cycles, making it a strong mid-range option. These periods give business owners time to manage debt without interest if paid off on time.