Top Business Credit Cards with Balance Transfer and 0% APR Promotions

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There are a handful of business credit cards that offer introductory balance transfer promotions. Here’s a quick guide to each one and what to consider before you apply.
PNC Visa® Business Credit Card
If you’re looking strictly for a balance transfer promotion and live near a PNC Bank branch, the PNC Visa® Business Credit Card may be worth a look.
Balance transfer promotion: Introductory 0% APR for 13 billing cycles on purchases and on balance transfers made within 90 days of account opening. After that, the variable APR ranges from 17.24% to 27.24% based on creditworthiness.
Introductory 0% APR for 13 billing cycles on purchases and on balance transfers made within 90 days of account opening. After that, the variable APR ranges from 17.24% to 27.24% based on creditworthiness. Balance transfer fee: 5% of the transfer amount ($5 minimum).
5% of the transfer amount ($5 minimum). Welcome bonus: None.
None. Rewards: None.
None. Annual fee: $0.
$0. Application restrictions: You must be an existing PNC Bank business customer to be able to apply for the card. While you start the application for a business checking account online, you’ll need to visit a branch to complete the process. The bank has branches in only 28 states and the District of Columbia.
State Farm® Business Cash Rewards Visa Signature® Card
If you or your business is a current State Farm customer, you may be able to earn solid rewards and take advantage of extra perks like an annual software credit and a reimbursement of your auto insurance deductible.
Balance transfer promotion: Introductory 0% APR for 12 billing cycles on purchases and on balance transfers made within 60 days of account opening. After that, the variable APR ranges from 18.74% to 27.74% based on creditworthiness.
Introductory 0% APR for 12 billing cycles on purchases and on balance transfers made within 60 days of account opening. After that, the variable APR ranges from 18.74% to 27.74% based on creditworthiness. Balance transfer fee: 3% of the transfer amount ($5 minimum).
3% of the transfer amount ($5 minimum). Welcome bonus: None.
None. Rewards: 3% cash back on up to $4,000 spent annually on insurance premium payments, gas stations and electric vehicle charging stations (transactions $200 or less), cell phone service providers, office supply stores and dining, and 1% back on all other purchases.
3% cash back on up to $4,000 spent annually on insurance premium payments, gas stations and electric vehicle charging stations (transactions $200 or less), cell phone service providers, office supply stores and dining, and 1% back on all other purchases. Annual fee: $0.
$0. Application restrictions: You or your business must be an existing State Farm customer to be eligible to apply.
First Citizens Rewards Business Credit Card
If you live near a First Citizens Bank branch, you can take advantage of a 0% APR promotion and also earn some decent rewards.
Balance transfer promotion: Introductory 0% APR for 9 months on both purchases and balance transfers. After that, the variable APR ranges from 17.24% to 26.24% based on creditworthiness.
Introductory 0% APR for 9 months on both purchases and balance transfers. After that, the variable APR ranges from 17.24% to 26.24% based on creditworthiness. Balance transfer fee: 3% of the transfer amount ($5 minimum).
3% of the transfer amount ($5 minimum). Welcome bonus: Earn 10,000 bonus points when you spend $3,000 in the first 90 days.
Earn 10,000 bonus points when you spend $3,000 in the first 90 days. Rewards: Earn 3 points per dollar on gas, 2 points per dollar on restaurants and travel and 1 point per dollar on all other purchases.
Earn 3 points per dollar on gas, 2 points per dollar on restaurants and travel and 1 point per dollar on all other purchases. Annual fee: $0.
$0. Application restrictions: You must visit a branch to apply. First Citizens currently has branches in only 21 states, and roughly half of those states have five or fewer locations.
Zero percent APR business credit cards
It can be challenging to find a good business balance transfer credit card. The good news is that there are several alternatives that offer an introductory 0% APR on new purchases.
While that won’t help you pay down your high-interest debt, it can give you time to pay off your business expenses with no interest charges, freeing up some cash to tackle your credit card debt.
Here are some of the top 0% APR business credit cards to consider.
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card offers not only a solid 0% APR promotion but also great rewards for smaller businesses.
Unlike other credit card issuers, American Express allows you to see whether you’re approved for the Blue Business Cash without impacting your personal credit score. If you decide to accept the offer, your personal credit may be affected.
American Express Blue Business Cash™ Card Intro Bonus $250 statement credit after you make $3,000 in purchases on your card in your first 3 months 0% intro offer 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% – 25.99%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Annual fee $0 Regular APR 17.99%–25.99% variable View offer at Bankrate Our Take The American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%), with no annual fee, making it lucrative for small businesses. However, businesses exceeding the $50,000 spending cap per calendar year will earn a reduced cashback rate of 1% on the remainder, and it may offer fewer perks compared to some other business credit cards. Rewards Reward Rates 2x 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)
2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%) To view rates and fees of American Express Blue Business Cash™ Card, see rates and fees. Card Details Ability to spend beyond credit limit
Purchase protection
Free employee cards View offer at Bankrate
The Blue Business® Plus Credit Card from American Express
The The Blue Business® Plus Credit Card from American Express looks a lot like the Blue Business Cash, albeit with a couple of key differences. Like the Blue Business Cash, you can also check your eligibility for this card without affecting your credit score. However, accepting the card may impact your personal credit.
The Blue Business® Plus Credit Card from American Express See Rates and Fees Intro Bonus 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership 0% intro offer 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99%–25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Annual fee $0 Regular APR 17.99%–25.99% variable View Offer at Bankrate Rewards Reward Rates 2x 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners applies to the first $50,000 in purchases per year (1x point per dollar thereafter) Card Details Ability to spend beyond credit limit
Purchase protection
Free employee cards View offer at Bankrate
U.S. Bank Business Platinum Card
If you prefer a longer 0% APR promotion over earning rewards, the U.S. Bank Business Platinum Card should be on your radar. Before applying for this one-trick pony, though, be sure to consider the potential long-term drawbacks of a non-rewards card.
U.S. Bank Business Platinum Card Intro Bonus Extended 0% introductory APR period for purchases and balance transfers. 0% balance transfer term 18 months Balance transfer fee 3% of the amount of each transfer or $5 minimum, whichever is greater Annual Fee $0 Regular APR 17.24%–26.24% variable Rewards Exceptionally long 18 month 0% introductory APR period for purchases and balance transfers. Card Details Other perks: Pay over time with a U.S. Bank ExtendPay® Plan
Foreign transaction fee: 3%
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card offers a massive welcome bonus, along with a simple yet valuable rewards rate on all of your purchases. While this card offers an impressive incentive for new cardholders, make sure you can afford to meet the minimum spending threshold without overspending.
LIMITED TIME OFFER Ink Business Unlimited® Credit Card Intro bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Plus 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%) Annual fee $0 Regular APR 17.99%–23.99% variable APR Learn More at Cardratings.com Our Take While some cards boast higher cash back rates than the Chase Ink Business Unlimited® Credit Card, the higher rate typically applies to certain categories, and they have monthly or quarterly caps. By contrast, the Chase Ink Business Unlimited® Card—true to its name—offers unlimited 1.5% cash back on every purchase you make for your business. Rewards Rewards Rates Earn unlimited 1.5% cash back on every purchase.
Get 5% cash back on Lyft rides through March 2025. Card details United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
Additional perks: Free employee cards, purchase protection, auto rental collision damage waiver, extended warranty
Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars Learn More at Cardratings.com
Choosing the right business credit card for you
If you’re looking for a way to save money on interest, either as you pay down debt from another credit card or on new purchases, it’s important to look beyond a single feature to make the most of your new credit card in the long term.
In addition to the introductory 0% APR promotion, it’s also important to consider each card’s welcome bonus, rewards rates, redemption options and other card benefits. As a business owner, it’s particularly important to choose a card that aligns with your company’s expense profile and other business needs.
It’s also important to keep in mind that business credit cards typically require a personal credit check when you apply. In most cases, you’ll need good credit or better—generally a FICO credit score of 670 or above—to get approved.
As such, it’s a good idea to check your credit score before applying and address potential issues before submitting your application.
Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.
Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.
Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.