{"id":23391,"date":"2025-11-30T04:13:35","date_gmt":"2025-11-30T04:13:35","guid":{"rendered":"https:\/\/finderica.com\/?p=23391"},"modified":"2025-11-30T04:13:35","modified_gmt":"2025-11-30T04:13:35","slug":"best-business-credit-cards-for-balance-transfers-of-2025","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=23391","title":{"rendered":"Best Business Credit Cards for Balance Transfers of 2025"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A 0% balance transfer period can help your business save on interest, free up cash and pay down debt faster. Our writers and editors reviewed the available options for business owners. Our top pick is the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">.<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/span><span class=\"_28z5Fp _3-to_p\"> has an appealing overall package. That starts with its intro APR. Here&#8217;s the deal: <\/span><span class=\"_28z5Fp _3-to_p\">0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.49%-26.49% Variable APR<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3J6REL\"><span class=\"_21EZtY _3VmbAf _8DgC29 _28z5Fp _3_lrZT\">U.S. Bank<\/span><\/p>\n<p class=\"_3VmbAf _28z5Fp\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/p>\n<p class=\"TS4Kq- _28z5Fp\">Rates and Fees<\/p>\n<\/div>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-5-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-5-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<div class=\"_3wlVa6 _2247K8 _2_3eV4 ebRntp l6ELS5\">\n<div class=\"_3wlVa6 _2247K8 _2_3eV4 _2xadhC\"><span class=\"_28z5Fp _2yIVG9\" style=\"font-weight:325\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\"><\/span><\/p>\n<div class=\"ReactCollapse--collapse\" style=\"overflow:hidden;height:0\">\n<div class=\"ReactCollapse--content\">\n<div class=\"_3wlVa6 _2247K8 _3ZnmUT paYFr8\" style=\"font-weight:325\">\n<div class=\"_28CJ7N _1voSX6 oE4ByK\">\n<div class=\"vRhsJJ\">\n<div class=\"PIqV0k vRhsJJ\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\" fill=\"none\" style=\"margin-top:2px;margin-right:0.5rem;min-width:20px;min-height:20px\"><default:path d=\"M9.99984 1.72119C5.39984 1.72119 1.6665 5.45452 1.6665 10.0545C1.6665 14.6545 5.39984 18.3879 9.99984 18.3879C14.5998 18.3879 18.3332 14.6545 18.3332 10.0545C18.3332 5.45452 14.5998 1.72119 9.99984 1.72119ZM8.33317 14.2212L4.1665 10.0545L5.3415 8.87953L8.33317 11.8629L14.6582 5.53786L15.8332 6.72119L8.33317 14.2212Z\" fill=\"#008254\"><\/default:path><\/default:svg> <\/p>\n<div class=\"HJYkLP\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">250+ small-business products<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> reviewed and rated by our team of experts.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"vRhsJJ\">\n<div class=\"PIqV0k vRhsJJ\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\" fill=\"none\" style=\"margin-top:2px;margin-right:0.5rem;min-width:20px;min-height:20px\"><default:path d=\"M9.99984 1.72119C5.39984 1.72119 1.6665 5.45452 1.6665 10.0545C1.6665 14.6545 5.39984 18.3879 9.99984 18.3879C14.5998 18.3879 18.3332 14.6545 18.3332 10.0545C18.3332 5.45452 14.5998 1.72119 9.99984 1.72119ZM8.33317 14.2212L4.1665 10.0545L5.3415 8.87953L8.33317 11.8629L14.6582 5.53786L15.8332 6.72119L8.33317 14.2212Z\" fill=\"#008254\"><\/default:path><\/default:svg> <\/p>\n<div class=\"HJYkLP\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">80+ years<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> of combined experience covering small business and personal finance.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"vRhsJJ\">\n<div class=\"PIqV0k vRhsJJ\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\" fill=\"none\" style=\"margin-top:2px;margin-right:0.5rem;min-width:20px;min-height:20px\"><default:path d=\"M9.99984 1.72119C5.39984 1.72119 1.6665 5.45452 1.6665 10.0545C1.6665 14.6545 5.39984 18.3879 9.99984 18.3879C14.5998 18.3879 18.3332 14.6545 18.3332 10.0545C18.3332 5.45452 14.5998 1.72119 9.99984 1.72119ZM8.33317 14.2212L4.1665 10.0545L5.3415 8.87953L8.33317 11.8629L14.6582 5.53786L15.8332 6.72119L8.33317 14.2212Z\" fill=\"#008254\"><\/default:path><\/default:svg> <\/p>\n<div class=\"HJYkLP\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Objective comprehensive business credit card ratings rubric (<\/span><span class=\"_28z5Fp _3-to_p\">Methodology<\/span><span class=\"_28z5Fp _3-to_p\">).<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">SS&#8217;s business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows SS&#8217;s <\/span><span class=\"_28z5Fp _3-to_p\">strict editorial guidelines<\/span><span class=\"_28z5Fp _3-to_p\"> to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-we-chose-the-best-balance-transfer-business-credit-card\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How we chose the best balance transfer business credit card<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">SS&#8217;s editorial team rates business credit cards on their overall value. We consider factors like fees, rewards, eligibility criteria and other noteworthy perks. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Our writers and editors monitor 70+ business cards. To find the best balance transfer option among them, we looked at the following:<\/span><\/p>\n<\/div>\n<div data-currency=\"Columns\" class=\"_1LKquO td77J8 _2DPHJa _1r_py0 _33JiRF _2F9T-X _1xbdug _2TtTbq _3UifXY\">\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk _1M3A6J\" style=\"grid-column-start:\">\n<h4 class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\"><span class=\"_3P4ktl _2LuWPZ _28z5Fp _3-to_p\">Key features for balance transfer business cards<\/span><\/h4>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">How long is the intro APR period? <\/span><\/span><span class=\"_28z5Fp _3-to_p\">We only considered cards with 0% intro APRs for balance transfers, with a period of a year or longer ideal.\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">How long do you have to transfer a balance? <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Even if an intro APR period lasts a year, you may not have that whole time to take advantage of it. Odds are, if you\u2019re opening a balance transfer card, you already have the debt you plan to move. But extra flexibility is appreciated.\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">How much is the balance transfer fee? <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Most card issuers charge you to transfer a balance. This is typically either a percentage of the balance or a flat fee, whichever is more. The smaller the fee, the better.\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">What other benefits does the card offer?<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Balance transfer cards serve a distinct purpose. Still, it\u2019s a plus when they include features like ongoing cash back that ensure you\u2019ll use the card once its intro APR period ends.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"what's-the-best-balance-transfer-business-credit-card\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What\u2019s the best balance transfer business credit card? <\/span><\/h2>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">12<\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">billing cycles<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">17.49%-26.49%<\/span><span class=\"_28z5Fp _3-to_p\">. <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Either\u00a05%\u00a0of the amount of each transfer or\u00a0$5\u00a0minimum, whichever is greater.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 30 days. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Evaluating it strictly as a balance transfer card, there are plusses and minuses. But the math changes if you look at the card overall. Here are the key points.  <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">The length is competitive<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Twelve months isn&#8217;t the longest term we&#8217;ve seen \u2014 nor is it as long as U.S. Bank used to offer. (The issuer ended intro APRs for balance transfers in July 2024, only to reintroduce this feature in May 2025.) Still, that length matches the industry standard. And the ongoing APR range is reasonable.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">The transfer fee, less so <\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You have to pay $5 or 5% of each balance transferred, whichever is greater. Almost all issuers charge such fees, but 5% is more than some providers. It&#8217;s also more than what U.S. Bank charged before (3%). <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">For instance, let\u2019s say you transferred a $5,000 balance. With a 5% charge, you\u2019d end up owing a $250 fee. If that rate was still 3%, you\u2019d pay $100 less. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">It lacks a long transfer runway<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You have just 30 days after account opening to take advantage of that intro offer. That&#8217;s one-third the time of our previous top choice, the PNC Visa\u00ae Business Credit Card. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">That card had no ongoing rewards, though. That&#8217;s what put the <\/span><span class=\"_28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/span><span class=\"_28z5Fp _3-to_p\"> over the top.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">The <\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">o<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">t<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">h<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">e<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">r<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> perks<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> are great<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">This card offers that incentive: <\/span><span class=\"_28z5Fp _3-to_p\">Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores\/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">There&#8217;s no limit on that cash back. That makes this card a lucrative option if your spending aligns with those categories. There&#8217;s a good welcome bonus, too: <\/span><span class=\"_28z5Fp _3-to_p\">Earn $500 in cash back. Just spend $4,500 on the Account Owner&#8217;s card in the first 150 days of opening your account.<\/span><span class=\"_28z5Fp _3-to_p\"> Keep in mind that transferred balances don&#8217;t count toward that spending requirement. <\/span><\/p>\n<\/div>\n<div data-currency=\"Columns\" class=\"_1LKquO _3kNZ30 _2DPHJa _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2TtTbq _3UifXY\">\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _1r_py0 _33JiRF _2F9T-X _1xbdug _2Ru-tk _1M3A6J\" style=\"grid-column-start:\">\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"what's-new-with-balance-transfer-business-cards\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">What&#8217;s new with balance transfer business cards?<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Columbia Bank Zero+ Business Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Columbia Bank refreshed its business card lineup. The Columbia Bank Business Card is no longer available. You can still get an 18-month 0% intro APR offer on balance transfers with the issuer&#8217;s new travel rewards card. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Edward Jones Business Plus Mastercard\u00ae.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> We previously included this card below. But Edward Jones redirected the webpage with its balance transfer info. The new landing page does not include this offer. The card&#8217;s issuer, Elan Financial Services, did not respond to an email asking for clarification. We&#8217;ve removed this card as a result. <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Umpqua Bank Visa Business Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Umpqua&#8217;s owner, Columbia Banking System Inc., rebranded the institution as &#8220;Columbia Bank&#8221; in July 2025. It still offers an extra-long 18-month 0% intro APR period on balance transfers. It just goes by a different name (the Columbia Bank Business Card).  <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Huntington Bank Voice Business Credit Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> We added this card to our analysis. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> and <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">U.S. Bank Business Platinum Card. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">After striking balance transfers from their intro APR offers in July 2024, U.S. Bank reintroduced this feature on multiple cards in May 2025. The U.S. Bank Triple Cash Rewards Visa\u00ae Business Card is our new top pick.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"other-balance-transfer-credit-cards-we-considered\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Other balance transfer credit cards we considered<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">PNC Visa\u00ae Business Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> was our top choice in previous versions of this guide. But it has no ongoing rewards and a more limited footprint than U.S. Bank. (Only existing PNC banking customers can apply online.) <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Key balance transfer features:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 13 months.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">16.24% &#8211; 26.24%.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Greater of $5 or 5% of the transfer.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 90 days. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Huntington Bank Voice Business Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is a strong option if you live in the bank&#8217;s service area. That&#8217;s 13 states, mostly in the Midwest and Southeast U.S. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You choose a 4% cash-back category from a list of 10. Those include rare options for business cards, like warehouse stores (e.g., Costco or Walmart). You earn that rate on up to $7,000 spent per quarter, or $28,000 annually (1% thereafter). That cap is competitive. But it falls short of the <\/span><span class=\"_28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/span><span class=\"_28z5Fp _3-to_p\">&#8216;s unlimited cash back.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Key balance transfer features:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 12 months.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">14.74% &#8211; 25.74%.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Greater of $10 or 3% of the transfer.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 90 days. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">U.S. Bank reintroduced balance transfers on the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">U.S. Bank Business Platinum Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> in May 2025. The main selling point for this card used to be an 18-month intro APR period. But its length now matches the <\/span><span class=\"_28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00ae Business Card<\/span><span class=\"_28z5Fp _3-to_p\">. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Without a lower balance transfer fee or longer transfer runway, there&#8217;s no compelling reason to choose it. This card has no ongoing rewards either.  <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Key balance transfer features:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">12<\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">Billing Cycles<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">16.49%-25.49%<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">Either\u00a05%\u00a0of the amount of each transfer or\u00a0$5\u00a0minimum, whichever is greater.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">30 days. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You have to be a State Farm customer to get the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">State Farm Business Cash Rewards Visa Signature\u00ae Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\">. If that&#8217;s you, this card is a solid choice. You get 3% cash back on State Farm insurance premiums (up to $4,000) annually. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">U.S. Bank issues this card, and the rest of the rewards mirror the <\/span><span class=\"_28z5Fp _3-to_p\">U.S. Bank Triple Cash Rewards Visa\u00a0Business Card<\/span><span class=\"_28z5Fp _3-to_p\">. You get the same 3% cash back on gas stations and electric vehicle charging stations (transactions under $200), cell phone service providers, office supply stores and dining. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Key balance transfer features:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 12 months.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">17.76% &#8211; 26.74%.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Greater of $5 or 3% of the transfer.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">60 days. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Some smaller banks and credit unions offer business credit cards with 0% APR balance transfer periods as well. However, opening one often requires a branch visit. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Columbia Bank Business Zero+ Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> stands out among such options. It has a 0% APR on balance transfers for a whopping 18 months (variable APR of 16.49% to 25.49% thereafter). There\u2019s a 3% or $5 fee for balance transfers, whichever is greater. Columbia Bank has branches in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah and Washington. Elan Financial Services issues this card. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Other regional options pair 12-month intro APRs with potentially low ongoing rates. The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">M&amp;T Bank Business Credit Card <\/span><\/span><span class=\"_28z5Fp _3-to_p\">has an ongoing APR of 14.24% and 21.24% \u2026 Entrepreneurs in and around Hollywood can look at the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Visa Platinum Business Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> from First Entertainment Credit Union, with its ongoing APR of 14.74% \u2013 22.40% &#8230; <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">First Citizens Bank\u2019s Low-Interest Business credit card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> mostly lives up to its name. Its ongoing APR of 13.74% to 22.74%.<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">   <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Note that we didn\u2019t consider cards that don&#8217;t charge balance transfer fees, but also don&#8217;t have a 0% intro period. For instance, the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Capital One Spark Cash Select<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\">.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> (New cardholders aren&#8217;t immediately eligible for transfers anyway.) <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Ditto cards like the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Security Service Power Business MasterCard\u00ae <\/span><\/span><span class=\"_28z5Fp _3-to_p\">that offer excellent APRs on balance transfers (currently 7.90%) \u2014 just not 0% ones. Such cards could save you money on higher-interest debt. But not as much as those that slice your APR to zero. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"what-is-a-balance-transfer-business-credit-card\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What is a balance transfer business credit card?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A balance transfer business credit card is a debt-consolidation tool. These cards allow business owners to combine debt \u2014 ideally at a lower interest rate \u2014 and repay it over time. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Balance transfer cards offer convenience. You may be able to pay one bill, instead of juggling multiple creditors. But the main benefit is saving money. Some cards pair balance transfer offers with 0% intro APR periods. Your balance won&#8217;t accrue interest during that time. This can not only decrease what you owe, but also free up cash flow.    <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"who-can-get-a-balance-transfer-business-card\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Who can get a balance transfer business card?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Most business credit cards require at least good personal credit to qualify. That&#8217;s a FICO score starting at 690. Factors like time in business and annual revenue are less important for approvals. In fact, you can <\/span><span class=\"_28z5Fp _3-to_p\">get a business credit card without a business<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Business financials can affect your credit limit, though. That could matter if you want to transfer a hefty balance. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Also, even if you qualify for a card, you may not qualify for the balance transfer you want. Issuers must approve these requests. They may not OK the full transfer amount. You also typically can&#8217;t move debt among cards from the same issuer.  <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-do-balance-transfer-business-credit-cards-work\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How do balance transfer business credit cards work?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These are the steps involved in transferring a business credit card balance.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Choose a balance transfer credit card. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Compare cards based on the 0% APR period, balance transfer fee and any ongoing perks or rewards. Keep in mind that issuers typically won\u2019t let you transfer a balance from an existing card in their portfolio. That includes cards from any underlying provider \u2014 for example, Elan Financial Services for the Columbia Bank Business Card. This will affect your pool of options as well.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Note your credit limit. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">If your credit limit is $15,000, that&#8217;s the maximum you\u2019ll be able to transfer to the new card. And the issuer may not approve that entire amount. <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Transfer your debt.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> You&#8217;ll submit this request to the card issuer. You may have limited time to do this and get 0% interest. This window may be as small as 30 days.  <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Pay the balance transfer fee. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Even 0% APR balance transfer business credit cards can come with balance transfer fees. These are usually a percentage of the total balance. For instance, if you\u2019re transferring $10,000 of credit card debt and your card charges a 5% fee, you\u2019ll pay $500.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Pay down the transferred debt. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">If you\u2019re using a 0% APR card, try to pay off your debt before that period ends. Make sure to avoid missing payments. Otherwise, your credit card issuer can end your interest-free period early. They can charge you an even higher APR as a penalty as well.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Pay the ongoing APR after the promotional period ends.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> If your 0% APR intro period lasts nine billing cycles, then during the tenth billing cycle, you\u2019ll owe whatever ongoing interest rate your card charges on the remaining balance. For example, if you have $2,000 left to pay and your card charges a 20% APR, you\u2019ll owe $33.14 in interest that month.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"what-alternative-debt-consolidation-options-are-there-for-businesses\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What alternative debt consolidation options are there for businesses?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The main alternative is a <\/span><span class=\"_28z5Fp _3-to_p\">business debt consolidation loan<\/span><span class=\"_28z5Fp _3-to_p\">. These loans require good credit and healthy business financials. Going this route could make sense if a credit line won\u2019t cover your full transfer. Business debt consolidation loans can reach six figures. You won&#8217;t get that from a credit card issuer. The trade-off? A loan may lower your APR, but not to 0%.  <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You could consider a <\/span><span class=\"_28z5Fp _3-to_p\">business card with 0% APR for purchases<\/span><span class=\"_28z5Fp _3-to_p\"> as well. More of those cards are available. This wouldn&#8217;t consolidate your debt, but it could reduce new expenses. In turn, you could prioritize repaying what you already owe. But that strategy won\u2019t work if floating purchases will leave you back in debt when that intro period ends. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"can-you-transfer-business-debt-to-a-personal-credit-card\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Can you transfer business debt to a personal credit card?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">There are more balance transfer cards for consumers.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These cards tend to have longer interest-free periods.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But personal cards also tend to have lower credit limits than business cards. You may be unable to transfer your full balance as a result. You&#8217;ll also want to use your new card exclusively for business purposes. Otherwise, you could run into headaches trying to spot tax deductions.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"should-some-businesses-not-use-personal-cards\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Should some businesses not use personal cards?<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Incorporated businesses, including single-member LLCs, should avoid using a personal credit card for business expenses. Even if that card has a great balance transfer offer, the risk outweighs the reward. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Using a card in your name, rather than the business name, could jeopardize your limited liability protections. Also, most business cards require a <\/span><span class=\"_28z5Fp _3-to_p\">personal guarantee<\/span><span class=\"_28z5Fp _3-to_p\">. That means you\u2019d be individually responsible for any debt on the card anyway. <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"will-transferring-business-debt-to-a-personal-card-affect-your-credit\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Will transferring business debt to a personal card affect your credit?<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Moving business debt to a personal card means it will show up on your personal credit report. Transferring a big balance and slowly paying it off could affect your credit utilization ratio. That may drive down your credit score as a result. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">This won\u2019t happen if you use a business credit card with 0% intro APR period. Business cards typically <\/span><span class=\"_28z5Fp _3-to_p\">only affect your personal credit<\/span><span class=\"_28z5Fp _3-to_p\"> in instances of non-payment.  <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"what-are-some-good-personal-cards-for-business-owners\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">What are some good personal cards for business owners?<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If a personal card makes sense for your business, the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Wells Fargo Reflect\u00ae Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is a good choice.<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">The card lacks perks. But it will give you one of the longest interest-free period possible.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Key balance transfer details:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">21<\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">Months<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">17.74%, 24.24%, or 28.49%<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">5%, min: $5<\/span><span class=\"_28z5Fp _3-to_p\">. <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">120 days. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Wells Fargo Reflect\u00ae Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/855541f2-09c7-11ec-b9f9-9b7d4865316d\/d8c6ebbd39dad1e66d6e8a2fac345f051fdd29b593cf707a9a2b7efa6a95cb03.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-53-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-53-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<div class=\"DG251u\">\n<p><span class=\"TS4Kq- _28z5Fp\">Regular APR<!-- -->\u00a0<\/span>\u00a0<\/p>\n<p class=\"TS4Kq- _28z5Fp\">17.74%, 24.24%, or 28.49% Variable APR<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">For greater utility, consider the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Chase Freedom Unlimited\u00ae<\/span><\/span><span class=\"_28z5Fp _3-to_p\">. Its interest-free period is shorter, but it offers a winning combo of a still-long intro APR and ongoing rewards. You&#8217;ll earn an unlimited <\/span><span class=\"_28z5Fp _3-to_p\">1.5<\/span><span class=\"_28z5Fp _3-to_p\">% cash back on almost all purchases and even more in certain bonus categories.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Key balance transfer details:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Intro APR length:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">15<\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">Months<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing variable APR:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">18.74%-28.24%<\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Balance transfer fee:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><span class=\"_28z5Fp _3-to_p\">Either $5 or 5% of the amount of each transfer, whichever is greater.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Time to transfer balance:<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">No limit. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Chase Freedom Unlimited Credit Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/84e1494c-bae2-4b0d-ac8d-e8c095ceb2fe\/3a0cac78e497688cdc58fb030fd6c59eea6a6275256e6a523d7999e1827ffd06.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-57-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-57-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<div class=\"DG251u\">\n<p><span class=\"TS4Kq- _28z5Fp\">Regular APR<!-- -->\u00a0<\/span>\u00a0<\/p>\n<p class=\"TS4Kq- _28z5Fp\">18.74%-28.24% Variable APR<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"methodology\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Methodology<\/span><\/h2>\n<div class=\"_3wlVa6 _2247K8\">\n<div>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">SS&#8217;s business credit card team selects the <\/span><span class=\"_28z5Fp _3-to_p\">best small-business credit cards<\/span><span class=\"_28z5Fp _3-to_p\"> without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.<\/span><\/p>\n<\/div>\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. <\/span><span class=\"_28z5Fp _3-to_p\">Learn how SS rates small-business credit cards.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/business\/credit-cards\/learn\/balance-transfers\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A 0% balance transfer period can help your business save on interest, free up cash and pay down debt faster. Our writers and editors reviewed the available options for business owners. Our top pick is the U.S. Bank Triple Cash Rewards Visa\u00ae Business Card. The U.S. Bank Triple Cash Rewards Visa\u00ae Business Card has an<\/p>\n","protected":false},"author":1,"featured_media":7649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[1708,183,420,238,1636],"class_list":{"0":"post-23391","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-balance","9":"tag-business","10":"tag-cards","11":"tag-credit","12":"tag-transfers"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23391"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23391\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/7649"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}