Best Business Credit Cards for Balance Transfers of 2025

A 0% steadiness switch interval may also help what you are promoting save on curiosity, release money and pay down debt sooner. Our writers and editors reviewed the accessible choices for enterprise house owners. Our high choose is the U.S. Financial institution Triple Money Rewards Visa® Enterprise Card.

The U.S. Financial institution Triple Money Rewards Visa® Enterprise Card has an interesting general bundle. That begins with its intro APR. Here is the deal: 0% intro APR on Purchases and Steadiness Transfers for 12 billing cycles, after which the continued APR of 17.49%-26.49% Variable APR.

NerdWallet’s editorial crew charges enterprise bank cards on their general worth. We take into account elements like charges, rewards, eligibility standards and different noteworthy perks.

Our writers and editors monitor 70+ enterprise playing cards. To seek out the very best steadiness switch possibility amongst them, we regarded on the following:

• Intro APR size: 12 billing cycles.

• Ongoing variable APR: 17.49%-26.49%.

• Steadiness switch charge: Both 5% of the quantity of every switch or $5 minimal, whichever is larger.

• Time to switch steadiness: 30 days.

Evaluating it strictly as a steadiness switch card, there are plusses and minuses. However the math adjustments for those who take a look at the cardboard general. Listed below are the important thing factors.

The size is aggressive

Twelve months is not the longest time period we have seen — neither is it so long as U.S. Financial institution used to supply. (The issuer ended intro APRs for steadiness transfers in July 2024, solely to reintroduce this characteristic in Might 2025.) Nonetheless, that size matches the business customary. And the continued APR vary is affordable.

The switch charge, much less so

It’s important to pay $5 or 5% of every steadiness transferred, whichever is larger. Virtually all issuers cost such charges, however 5% is greater than some suppliers. It is also greater than what U.S. Financial institution charged earlier than (3%).

For example, let’s say you transferred a $5,000 steadiness. With a 5% cost, you’d find yourself owing a $250 charge. If that price was nonetheless 3%, you’d pay $100 much less.

It lacks a protracted switch runway

You may have simply 30 days after account opening to reap the benefits of that intro provide. That is one-third the time of our earlier best choice, the PNC Visa® Enterprise Credit score Card.

That card had no ongoing rewards, although. That is what put the U.S. Financial institution Triple Money Rewards Visa® Enterprise Card excessive.

The other perks are nice

This card affords that incentive: Earn 3% money again on eligible purchases at fuel and EV charging stations (transactions of $200 or much less)*, workplace provide shops, cellphone service suppliers and eating places (*excludes low cost shops/supercenters and wholesale golf equipment). Earn 1% money again on all different eligible purchases. Earn 5% money again on pay as you go lodges and automotive leases booked straight within the Journey Middle when utilizing your card.

There is no restrict on that money again. That makes this card a profitable possibility in case your spending aligns with these classes. There is a good welcome bonus, too: Earn $500 in money again. Simply spend $4,500 on the Account Proprietor’s card within the first 150 days of opening your account. Needless to say transferred balances do not rely towards that spending requirement.

The PNC Visa® Enterprise Credit score Card was our best choice in earlier variations of this information. However it has no ongoing rewards and a extra restricted footprint than U.S. Financial institution. (Solely present PNC banking prospects can apply on-line.)

Key steadiness switch options:

• Intro APR size: 13 months.

• Ongoing variable APR: 16.24% – 26.24%.

• Steadiness switch charge: Higher of $5 or 5% of the switch.

• Time to switch steadiness: 90 days.

The Huntington Financial institution Voice Enterprise Credit score Card is a powerful possibility for those who dwell within the financial institution’s service space. That is 13 states, largely within the Midwest and Southeast U.S.

You select a 4% cash-back class from a listing of 10. These embrace uncommon choices for enterprise playing cards, like warehouse shops (e.g., Costco or Walmart). You earn that price on as much as $7,000 spent per quarter, or $28,000 yearly (1% thereafter). That cap is aggressive. However it falls wanting the U.S. Financial institution Triple Money Rewards Visa® Enterprise Card‘s limitless money again.

Key steadiness switch options:

• Intro APR size: 12 months.

• Ongoing variable APR: 14.74% – 25.74%.

• Steadiness switch charge: Higher of $10 or 3% of the switch.

• Time to switch steadiness: 90 days.

U.S. Financial institution reintroduced steadiness transfers on the U.S. Financial institution Enterprise Platinum Card in Might 2025. The principle promoting level for this card was once an 18-month intro APR interval. However its size now matches the U.S. Financial institution Triple Money Rewards Visa® Enterprise Card.

And not using a decrease steadiness switch charge or longer switch runway, there isn’t any compelling motive to decide on it. This card has no ongoing rewards both.

Key steadiness switch options:

• Intro APR size: 12 Billing Cycles.

• Ongoing variable APR: 16.49%-25.49%.

• Steadiness switch charge: Both 5% of the quantity of every switch or $5 minimal, whichever is larger.

• Time to switch steadiness: 30 days.

It’s important to be a State Farm buyer to get the State Farm Enterprise Money Rewards Visa Signature® Card. If that is you, this card is a stable selection. You get 3% money again on State Farm insurance coverage premiums (as much as $4,000) yearly.

U.S. Financial institution points this card, and the remainder of the rewards mirror the U.S. Financial institution Triple Money Rewards Visa Enterprise Card. You get the identical 3% money again on fuel stations and electrical car charging stations (transactions beneath $200), cellphone service suppliers, workplace provide shops and eating.

Key steadiness switch options:

• Intro APR size: 12 months.

• Ongoing variable APR: 17.76% – 26.74%.

• Steadiness switch charge: Higher of $5 or 3% of the switch.

• Time to switch steadiness: 60 days.

Some smaller banks and credit score unions provide enterprise bank cards with 0% APR steadiness switch durations as nicely. Nevertheless, opening one usually requires a department go to.

The Columbia Financial institution Enterprise Zero+ Card stands out amongst such choices. It has a 0% APR on steadiness transfers for a whopping 18 months (variable APR of 16.49% to 25.49% thereafter). There’s a 3% or $5 charge for steadiness transfers, whichever is larger. Columbia Financial institution has branches in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah and Washington. Elan Monetary Companies points this card.

Different regional choices pair 12-month intro APRs with doubtlessly low ongoing charges. The M&T Financial institution Enterprise Credit score Card has an ongoing APR of 14.24% and 21.24% … Entrepreneurs in and round Hollywood can take a look at the Visa Platinum Enterprise Card from First Leisure Credit score Union, with its ongoing APR of 14.74% – 22.40% … First Residents Financial institution’s Low-Curiosity Enterprise bank card largely lives as much as its identify. Its ongoing APR of 13.74% to 22.74%.

Be aware that we didn’t take into account playing cards that do not cost steadiness switch charges, but in addition do not have a 0% intro interval. For example, the Capital One Spark Money Choose. (New cardholders aren’t instantly eligible for transfers anyway.)

Ditto playing cards just like the Safety Service Energy Enterprise MasterCard® that provide glorious APRs on steadiness transfers (presently 7.90%) — simply not 0% ones. Such playing cards might prevent cash on higher-interest debt. However not as a lot as people who slice your APR to zero.

A steadiness switch enterprise bank card is a debt-consolidation instrument. These playing cards permit enterprise house owners to mix debt — ideally at a decrease rate of interest — and repay it over time.

Steadiness switch playing cards provide comfort. You could possibly pay one invoice, as an alternative of juggling a number of collectors. However the principle profit is saving cash. Some playing cards pair steadiness switch affords with 0% intro APR durations. Your steadiness will not accrue curiosity throughout that point. This can’t solely lower what you owe, but in addition release money circulation.

Most enterprise bank cards require no less than good private credit score to qualify. That is a FICO rating beginning at 690. Elements like time in enterprise and annual income are much less vital for approvals. In actual fact, you’ll be able to get a enterprise bank card with no enterprise.

Enterprise financials can have an effect on your credit score restrict, although. That might matter if you wish to switch a hefty steadiness.

Additionally, even for those who qualify for a card, you might not qualify for the steadiness switch you need. Issuers should approve these requests. They could not OK the total switch quantity. You additionally sometimes cannot transfer debt amongst playing cards from the identical issuer.

These are the steps concerned in transferring a enterprise bank card steadiness.

• Select a steadiness switch bank card. Examine playing cards primarily based on the 0% APR interval, steadiness switch charge and any ongoing perks or rewards. Needless to say issuers sometimes received’t allow you to switch a steadiness from an present card of their portfolio. That features playing cards from any underlying supplier — for instance, Elan Monetary Companies for the Columbia Financial institution Enterprise Card. This may have an effect on your pool of choices as nicely.

• Be aware your credit score restrict. In case your credit score restrict is $15,000, that is the utmost you’ll be capable to switch to the brand new card. And the issuer might not approve that complete quantity.

• Switch your debt. You may submit this request to the cardboard issuer. You’ll have restricted time to do that and get 0% curiosity. This window could also be as small as 30 days.

• Pay the steadiness switch charge. Even 0% APR steadiness switch enterprise bank cards can include steadiness switch charges. These are normally a proportion of the entire steadiness. For example, for those who’re transferring $10,000 of bank card debt and your card expenses a 5% charge, you’ll pay $500. 

• Pay down the transferred debt. For those who’re utilizing a 0% APR card, attempt to repay your debt earlier than that interval ends. Make sure that to keep away from lacking funds. In any other case, your bank card issuer can finish your interest-free interval early. They will cost you a good increased APR as a penalty as nicely.

• Pay the continued APR after the promotional interval ends. In case your 0% APR intro interval lasts 9 billing cycles, then through the tenth billing cycle, you’ll owe no matter ongoing rate of interest your card expenses on the remaining steadiness. For instance, when you’ve got $2,000 left to pay and your card expenses a 20% APR, you’ll owe $33.14 in curiosity that month.

The principle various is a enterprise debt consolidation mortgage. These loans require good credit score and wholesome enterprise financials. Going this route might make sense if a credit score line received’t cowl your full switch. Enterprise debt consolidation loans can attain six figures. You will not get that from a bank card issuer. The trade-off? A mortgage might decrease your APR, however to not 0%.

You would take into account a enterprise card with 0% APR for purchases as nicely. Extra of these playing cards can be found. This would not consolidate your debt, however it might cut back new bills. In flip, you can prioritize repaying what you already owe. However that technique received’t work if floating purchases will go away you again in debt when that intro interval ends.

• There are extra steadiness switch playing cards for shoppers.

• These playing cards are inclined to have longer interest-free durations.

However private playing cards additionally are inclined to have decrease credit score limits than enterprise playing cards. It’s possible you’ll be unable to switch your full steadiness consequently. You may additionally wish to use your new card solely for enterprise functions. In any other case, you can run into complications attempting to identify tax deductions.

Included companies, together with single-member LLCs, ought to keep away from utilizing a private bank card for enterprise bills. Even when that card has an awesome steadiness switch provide, the chance outweighs the reward.

Utilizing a card in your identify, moderately than the enterprise identify, might jeopardize your restricted legal responsibility protections. Additionally, most enterprise playing cards require a private assure. Meaning you’d be individually liable for any debt on the cardboard anyway.

Transferring enterprise debt to a private card means it’ll present up in your private credit score report. Transferring a giant steadiness and slowly paying it off might have an effect on your credit score utilization ratio. Which will drive down your credit score rating consequently.

This received’t occur for those who use a enterprise bank card with 0% intro APR interval. Enterprise playing cards sometimes solely have an effect on your private credit score in cases of non-payment.

If a private card is sensible for what you are promoting, the Wells Fargo Replicate® Card is an efficient selection. The cardboard lacks perks. However it gives you one of many longest interest-free interval attainable.

Key steadiness switch particulars:

• Intro APR size: 21 Months.

• Ongoing variable APR: 17.74%, 24.24%, or 28.49%.

• Steadiness switch charge: 5%, min: $5.

• Time to switch steadiness: 120 days.

For better utility, take into account the Chase Freedom Limitless®. Its interest-free interval is shorter, however it affords a profitable combo of a still-long intro APR and ongoing rewards. You may earn a limiteless 1.5% money again on nearly all purchases and much more in sure bonus classes.

Key steadiness switch particulars:

• Intro APR size: 15 Months.

• Ongoing variable APR: 18.74%-28.24%.

• Steadiness switch charge: Both $5 or 5% of the quantity of every switch, whichever is larger.

• Time to switch steadiness: No restrict.