5 Best Business Credit Cards for Balance Transfers

Jodie Price

By Jodie Price | Updated November 10, 2025

Managing business debt can be challenging when interest charges keep adding up. A balance transfer credit card can help reduce those costs by moving existing balances to a new account with a lower or 0% introductory APR. This guide explores top options that simplify repayment and improve business cash flow.

  • U.S. Bank Triple Cash Rewards Visa® Business Card

    The U.S. Bank Triple Cash Rewards Visa® Business Card is designed for small business owners who want both rewards and flexibility. It combines a strong cash-back program with an introductory 0% APR period on purchases and balance transfers. This card works well for everyday business spending while also helping manage existing debt.

    Earning Structure:

    • 5% cash back on prepaid hotels and car rentals booked through the Travel Rewards Center
    • 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers, and restaurants
    • 1% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn a $500 cash-back bonus after spending $4,500 within the first five months.

    Card Details:

    • Annual fee: $0
    • APR: 0% intro APR on purchases and balance transfers for 12 billing cycles, then 17.99%–26.99% variable APR applies
    • Other benefits: Expense management tools, employee cards at no additional cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Fraud protection and mobile account access

    Key Benefits:

    • No annual fee to maintain the card
    • Intro APR period for purchases and balance transfers
    • Strong cash back in multiple business categories
    • Employee cards with no added cost
    • Useful business expense tracking tools

    Redemption Options:

    Rewards can be redeemed for statement credits, direct deposits, or mailed checks.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670–739) to qualify.

    Spending Limitations / Potential Drawbacks:

    The 3% foreign transaction fee makes it less ideal for international use.

    Why it Works for Beginners:

    It is simple to use, has no annual fee, and offers straightforward cash-back rewards.

  • State Farm® Business Cash Rewards Visa Signature® Card

    The State Farm® Business Cash Rewards Visa Signature® Card is designed for small business owners who want to manage expenses while earning rewards. It provides cash back on key business purchases and includes features that support balance transfers.

    Business owners can also benefit from its connection to State Farm, which offers unique insurance-related perks. This makes the card useful for those who already use State Farm services.

    Earning Structure:

    • 3% cash back on insurance premium payments (up to $4,000 spent annually)
    • 3% cash back at gas and EV stations (transactions of $200 or less)
    • 3% cash back with cell phone service providers, office supply stores, and on dining purchases
    • 1% cash back on all other purchases

    Welcome Bonus:

    The card does not include a welcome offer at the moment.

    Card Details:

    • Annual fee: $0
    • APR: 0% intro APR for the first 12 billing cycles, followed by 18.24%–27.24% variable APR
    • Other benefits: Insurance-related perks with State Farm
    • Network: Visa Signature
    • Type: Business credit card
    • Foreign transaction fees: None
    • Balance transfer fee: 3%, or $5 minimum

    Key Benefits:

    • No annual fee to maintain the card
    • 0% intro APR period for balance transfers
    • Cash back on business expenses
    • Access to Visa Signature benefits
    • Insurance-related advantages for State Farm customers

    Redemption Options:

    Cash back rewards can be redeemed as statement credits or applied toward eligible purchases.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify, which means a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    Limited reward categories may reduce value for some businesses.

    Why it Works for Beginners:

    The simple earning structure and no annual fee make it easy for new business owners to manage spending and earn rewards.

  • U.S. Bank Business Platinum Card

    The U.S. Bank Business Platinum Card focuses on keeping costs low rather than offering rewards. It gives business owners flexibility to manage expenses without extra features that may not be needed.

    This card is designed for businesses that want to save on interest when carrying a balance. It provides a straightforward way to manage cash flow without distractions from rewards programs.

    Earning Structure:

    • This card does not offer points, miles, or cash back.

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 0% intro APR on purchases and balance transfers for 12 billing cycles, followed by a variable APR of 16.99%–25.99%
    • Other benefits: Expense management tools, online account access
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Balance transfer fee: 5% of each amount transferred, or a $5 minimum

    Key Benefits:

    • No annual fee to maintain the card
    • Introductory 0% APR on purchases and balance transfers
    • Easy online account management
    • Useful for businesses focused on lowering interest costs

    Redemption Options:

    There are no rewards or redemption options with this card.

    Credit Requirements:

    Applicants generally need good to excellent credit, often starting around a 670 score.

    Spending Limitations / Potential Drawbacks:

    The lack of rewards and a foreign transaction fee make it less appealing for frequent travelers or those seeking cash back.

    Why it Works for Beginners:

    This card works well for beginners because it is simple to manage and helps reduce interest costs without adding complexity.

  • Edward Jones Business Plus Mastercard®

    The Edward Jones Business Plus Mastercard® is designed for small business owners who want flexibility in managing expenses. It provides an introductory period that helps reduce interest costs on balance transfers.

    This card can also support everyday business spending while offering tools for expense tracking. It works well for those who want a simple structure without too many complex features.

    Earning Structure:

    • 4x points on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center
    • 2x points per dollar on eligible net purchases over $40,000
    • 1.5x points per dollar on eligible net purchases up to $40,000

    Welcome Bonus:

    New cardholders can earn 15,000 bonus points after spending $1,000 in the first three months.

    Card Details:

    • Annual fee: $0
    • APR: 0% intro APR for the first 12 billing cycles followed by a variable APR of 19.24%–29.24%
    • Other benefits: Expense management tools, employee card options
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None
    • Balance transfer offer: 3% of each transferred amount ($5 minimum)

    Key Benefits:

    • No annual fee to maintain the card
    • 0% intro APR on balance transfers for 12 months
    • Flexible redemption options for rewards
    • Employee cards available at no extra cost
    • Useful for tracking business expenses

    Redemption Options:

    Rewards can be redeemed for travel, gift cards, merchandise, or statement credits.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670–739) to qualify.

    Spending Limitations / Potential Drawbacks:

    The variable APR after the intro period can become high if balances are carried.

    Why it Works for Beginners:

    It gives new business owners a way to manage expenses and pay down balances without interest during the first year.

  • PNC Visa® Business Credit Card

    The PNC Visa® Business Credit Card gives business owners a straightforward way to manage expenses. It focuses on keeping borrowing costs low with a competitive interest rate.

    This card is designed for businesses that want to transfer balances or finance purchases without paying high interest right away. Its simple structure makes it appealing for companies that value cost savings over complex rewards.

    Earning Structure:

    • This card does not emphasize rewards earning.

    Welcome Bonus:

    There is no widely advertised welcome bonus for this card.

    Card Details:

    • Annual fee: $0
    • APR: 0% introductory APR for the first 13 billing cycles, followed by a regular variable APR of 16.24%–26.24%
    • Other benefits: Expense management tools and account monitoring
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Balance transfer option: 5% of the amount of each transfer, or $5

    Key Benefits:

    • No annual fee to maintain the card
    • Introductory 0% APR on balance transfers
    • Low ongoing APR after the intro period
    • Visa acceptance worldwide
    • Tools to track and manage business expenses

    Redemption Options:

    This card does not focus on rewards, so redemption options are limited.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a FICO score of 670 or higher, to qualify.

    Spending Limitations / Potential Drawbacks:

    The card lacks a rewards program, which may not appeal to businesses seeking points or cash back.

    Why it Works for Beginners:

    It works well for beginners because it is simple to use and avoids extra costs like an annual fee.

How Business Balance Transfers Work

Business balance transfers shift debt from one or more cards to a new account that offers a lower or 0% introductory APR. This helps reduce interest costs and simplify repayment. Knowing how fees and posting times work allows business owners to plan payments and maximize savings.

Balancing Rewards with Low-Interest Savings

Some balance transfer cards include rewards, but interest savings usually matter more. A long 0% introductory APR can outweigh bonus points when reducing debt. Select a card that aligns with your repayment plan to prioritize low-cost financing and effective cash flow management over rewards.

Frequently Asked Questions

How can a business maintain cash flow after completing a balance transfer?

Once the transfer is complete, create a repayment schedule that aligns with seasonal income patterns. Maintaining a buffer for unexpected expenses ensures you can make payments on time. Consistent monitoring of cash flow helps avoid accumulating new high-interest debt.

What accounting practices help track balance transfer savings accurately?

Set up a dedicated ledger or software category to monitor the transferred balance separately from new charges. Recording interest savings versus fees provides a clear view of the card’s true financial benefit. Regular reconciliations help keep financial statements accurate for tax and planning purposes.

Is it possible to negotiate balance transfer terms with a card issuer?

Sometimes issuers may adjust limits or fees for long-term customers with strong credit histories. Contacting customer service with a solid repayment plan can open opportunities for reduced fees or higher transfer amounts. Success depends on the issuer’s policies and your business credit profile.

How can a balance transfer strategy affect future business financing options?

Successfully paying down transferred debt can improve your credit utilization and score, strengthening loan applications. However, frequent new credit inquiries may raise questions for lenders. Planning transfers carefully ensures access to future financing remains unaffected.

What steps should a business take if a balance transfer is delayed or posts incorrectly?

First, contact the new card issuer to confirm the transfer status and provide any required documentation. Keep records of all communications and payment confirmations from the original creditor. Prompt follow-up helps prevent late fees or interest charges while the issue is resolved.