MoneyGeek's Take

Best Business Credit Cards for Balance Transfer in 2022

The best business credit cards for balance transfers typically come with low balance transfer fees. They also offer welcome bonuses and spending-based rewards or cash back.

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This article is part of our larger series on Best Balance Transfer Cards

Unlike with consumer credit cards, introductory 0% APR offers on balance transfers are hard to find with business credit cards. However, several business credit cards come with low APRs and no or low balance transfer fees.

The top balance transfer business credit cards give you the ability to earn rewards or cash back. The leading ones come with sizable welcome bonus offers too. Examples of such cards include the Capital One Spark Cash Select Card (for excellent credit) and the Amex Blue Business Cash Card.

Some of the other card-specific features and benefits you may be able to take advantage of include no foreign transaction fees, access to expense management tools and free employee cards.

This article is part of our larger series on
Best Balance Transfer Cards

MoneyGeek’s Take: Top 5 Business Credit Cards for Balance Transfers

Quick Summary

The annual percentage rate (APR) and the fee that applies on a balance transfer may vary from one card to another. Besides, not all balance transfer business credit cards come with equally rewarding welcome offers. We’ve selected the top five cards from this category after paying attention to these aspects and others, such as APRs on purchases, foreign transaction fees, annual fees and additional benefits.

Take a look at other good options by scrolling further down the page.


  • Capital One Spark Cash Select

    A great no-annual-fee business card with unlimited 1.5% cash back


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on Gas
    • 1.5xRewards Rate on Groceries

    Terms, rates and fees apply

  • American Express Blue Business® Plus Credit Card

    Great no-annual-fee card for earning rewards on business spending


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 2 Miles per $1*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Online Shopping

    Terms, rates and fees apply

    Compare this credit card with other top-rated credit cards at CardRatings.com.

  • American Express Blue Business® Cash Card

    A simple cash back rewards card that helps you avoid hassles


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–2% Cash Back*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Gas

    Terms, rates and fees apply

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

    A great no annual fee cash back credit card for business


    • $0Annual Fee
    • 15 monthsBalance Transfer Duration
    • 15 monthsAPR Offer Duration
    • 1% - 5% Cash BackRewards Rate

    Terms, rates and fees apply

  • Citi CitiBusiness AAdvantage Platinum Select Mastercard

    One of the top business travel cards for frequent American Airlines travelers


    • ExcellentCredit Needed
    • $99Annual Fee
    • 1–2 Miles per $1*Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate on TV, Phone, Internet Services

    Terms, rates and fees apply

Summary of the Best Business Cards for Balance Transfer

This balance transfer business card comparison table gives you a quick rundown of how the other good cards from this category fare across parameters such as reward rates, annual fees and the credit you need to apply.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • Capital One Spark Cash Select
    A great no-annual-fee business card with unlimited 1.5% cash back
    1.5% Cash Back
    $0
    Good-Excellent
  • American Express Blue Business® Plus Credit Card
    Great no-annual-fee card for earning rewards on business spending
    2 Miles per $1*
    $0
    Good-Excellent
  • American Express Blue Business® Cash Card
    A simple cash back rewards card that helps you avoid hassles
    1–2% Cash Back*
    $0
    Good-Excellent
  • U.S. Bank Triple Cash Rewards Visa Business Card
    A great no annual fee cash back credit card for business
    1% - 5% Cash Back
    $0
  • Citi CitiBusiness AAdvantage Platinum Select Mastercard
    One of the top business travel cards for frequent American Airlines travelers
    1–2 Miles per $1*
    $99
    Excellent
  • Capital One Spark Miles
    Best flat-rate rewards card for frequent flyers
    2 Miles per $1
    $95
    Good-Excellent
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MONEYGEEK EXPERT TIP

Balance transfer credit cards for business owners provide easy access to financing with no interest. These offers can help you manage your cash flow during seasonally slow periods or as you expand your business to take advantage of new opportunities. -- Lee Huffman, credit card expert at BaldThoughts.com.

About Our Rankings

Experts at MoneyGeek go through our extensive database each month and select all the new and existing balance transfer business credit cards. Then, they narrow down on the best by looking at welcome offers, balance transfer fees, APRs, foreign transaction fees, annual fees, rewards, added perks and more.

Top Rating Criteria for Business Cards

annualFee
Balance Transfer Fee
balanceTransfer
Balance Transfer Offer
signupBonus
Welcome Offer

How to Compare Business Credit Cards & Intro Offers

Narrowing down on the best business card for balance transfers requires paying attention to multiple aspects, many of which depend on your spending patterns and specific requirements.

1

Balance transfer fee

Whether or not you might need to pay a balance transfer fee depends on the card you get. The Capital One Spark Cash Select Card and the Capital One Spark Miles Card charge no balance transfer fees. However, most balance transfer offers include a fee of 3% to 5% of the amount transferred.

2

APR

Unless you find a card with a 0% APR offer on balance transfers, the APR that applies on purchases is typically the APR that applies on balance transfers. As a result, you should look for cards that come with low ongoing APRs. Bear in mind that your creditworthiness plays a role in the actual APR you get.

3

0% APR offer

Not many business credit cards come with 0% APR offers on balance transfers. This makes the U.S. Bank Triple Cash Rewards Visa Business Card a good option for those who wish to transfer balances from existing high-interest business cards. Its intro 0% APR offer applies to balance transfers and purchases for the first 15 billing cycles.

4

APR offer on purchases

Some of these cards come with promotional time-based APR offers on purchases. For instance, you may get to pay 0% interest on purchases for the first 12 months.

5

Welcome offer

The best business credit cards for balance transfers let you earn bonus reward points or cash back by meeting some spend-based requirements. For example, with the Amex Blue Business Plus Credit Card, you can earn a welcome bonus of 15,000 membership reward points if you spend $3,000 on purchases in the first three months.

6

Foreign transaction fee

Foreign transaction fees typically vary from 1% to 3%, although not all cards charge this fee. Balance transfer business credit cards that do away with this fee include the Capital One Spark Cash Select Card, the Capital One Spark Miles Card and the CitiBusiness AAdvantage Platinum Select Mastercard.

7

Annual Fee

Based on the benefits you wish to enjoy and the card you get, you might need to pay an annual fee. Balance transfer business credit cards with no annual fees include the Capital One Spark Cash Select Card, the American Express Blue Business Cash Card and the American Express Blue Business Plus Card.

8

Reward/cash back rate

The rewards or cash back rate you stand to earn depends on the card you get. For example, the Capital One Spark Cash Select Card offers 1.5% cash back on all business purchases. On the other hand, the Capital One Spark Miles Card offers 5x miles on hotels and rental cars booked through Capital One Travel and 2x miles on all other business purchases.

9

Added perks

Card-specific features and benefits provided by the top balance transfer business credit cards include $0 fraud liability, purchase protection, extended warranty, free employee cards, access to expense management tools, roadside assistance, travel insurance coverage and multiple options to redeem your reward points.

Further Reading

About the Author


expert-profile

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.