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

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Last Updated: 11/17/2022

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 - $500 Cash Bonus 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.

OUR REVIEW AT A GLANCE

Our Top 5 Picks
Summarized List of All Winners
Tips for Comparing Credit 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 - $500 Cash Bonus
A great no-annual-fee business card with 1.5% cash back
- Good-ExcellentRecommended Credit
- $0Annual Fee
- 1.5% Cash BackRewards Rate
- 1.5xRewards Rate on Gas
- 1.5xRewards Rate on Groceries
We recommend the Capital One Spark Cash Select - $500 Cash Bonus to people who’re looking for an alternative that comes with 1.5% cash back on all your business purchases.
Using this card outside of the U.S. makes sense as it does not charge overseas transaction fees. Employee cards come at no extra cost. Getting to select your own due date is a plus.
Other benefits include $0 fraud liability, downloadable purchase records, year-end summaries, extended warranty and complimentary roadside assistance.
Pros
$0 annual fee
Flat cash back across all categories
No foreign transaction fees
Free employee cards

Cons
Penalty APR might apply if you make a late or returned payment
Cash advance fees
No annual fees
1.5% cash back on all purchases
No added fees for employee cards with customized spending limits
Ability to assign account managers
Purchase records made available in Quicken, QuickBooks and Excel
$0 fraud liability to safeguard against fraudulent transactions
Complimentary roadside assistance for all cardholders
Get additional protection on eligible purchases through extended warranty
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
- Good-ExcellentRecommended Credit
- $0Annual Fee
- up to 2X Membership Rewards® pointsRewards Rate
- 1xRewards Rate on TV, Phone, Internet Services
- 1xRewards Rate on Online Shopping
We like the no-annual-fee American Express Blue Business Cash Card because it lets you earn 2X points per dollar on all eligible business purchases up to $50,000 per year. You get 1X point per dollar thereafter. Its 0% APR offer on purchases stays in place for the first 12 months.
As part of this card’s welcome offer, you get to earn 15,000 Membership Rewards points if you spend $3,000 on eligible purchases in the first three months. You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.
Pros
No annual fees
0% intro APR on purchases, then a variable rate of 16.99% - 24.99%
Earn 2X reward points on spending of up to $50,000 per year, followed by 1X
Free employee cards
Can assign an account manager
Download interactive year-end summaries
Use Vendor Pay to improve business cash flow
Purchase protection

Cons
Penalty APR applies when you make a late payment
Foreign transaction fees
Balance transfer fees
There’s a minimum required to redeem points
Pay no annual fees for the life of the card.
Earn 2X reward points per dollar for the first $50,000 you spend on purchases each year.
Earn 1X point per dollar after your spending exceeds this limit.
Redeem points for travel booked through American Express Travel, purchases via select online merchants or gift cards.
You may also transfer your reward points to different frequent flyer programs.
Save money on interest by using the 0% intro APR offer on purchases for 12 months.
Get free employee cards and set individual spending limits.
Improve cash flow by using your card to pay bills via Vendor Pay.
Safeguard purchases made using the card through extended warranty and purchase protection.
Get protection when you or your employees rent cars through car rental loss and damage insurance.
Get access to American Express Experiences and purchase pre-sale tickets for various events.
Use the American Express Business App and Connect to QuickBooks tools to simplify transferring spending-related data to your existing accounting system.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
American Express Blue Business Cash™ Card
A simple cash back rewards card that helps you avoid hassles
- Good-ExcellentRecommended Credit
- $0Annual Fee
- 1–2% Cash Back*Rewards Rate
- 1xRewards Rate on TV, Phone, Internet Services
- 1xRewards Rate on Gas
We like the no-annual-fee American Express Blue Business Cash Card because it lets you earn 2% cash back on all eligible purchases up to $50,000 per year and 1% cash back thereafter. Its 0% APR offer on purchases stays in place for the first 12 months.
As part of this card’s welcome offer, you get to earn a $250 statement credit if you spend $3,000 on eligible purchases in the first three months. You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.
Pros
No annual fee
Cash back rate of 2% for eligible purchases up to $50,000, then 1%
Intro 0% APR offer
Welcome offer of a $250 statement credit after you spend $3,000 on purchases in the first three months.
Flexible credit limit
Authorized users can be added for no additional fee
Points are redeemed automatically

Cons
Cash back rate has a cap
Foreign transaction fee of 2.7%
Pay no interest for the first 12 months after acquiring the card
Earn 2% cash back for eligible purchases with a cap of $50,000, then 1% after
Enjoy no annual fees for the life of the card
Earn a $250 statement credit for spending $3,000 in the first three months
Benefit from the Expanded Buying Power feature, which lets you go over the credit limit if you qualify with no penalties or fees
Add up to 99 authorized users, free of charge
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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
We recommend the U.S. Bank Triple Cash Rewards Visa® Business Card to business owners who wish to earn high cash back on bonus categories without needing to pay any annual fees. New cardholders get $500 in cash back by spending $4,500 on purchases within the first 150 days. You may also benefit through this card’s 0% APR offer on purchases and balance transfers that stays in place for the first 15 billing cycles.
If you use this card to book prepaid hotels or car rentals through the U.S. Bank Travel Rewards Center, you get 5% cash back. You earn 3% cash back on eligible purchases at restaurants, gas and EV charging stations, office supply stores and cell phone service providers. All other eligible purchases come with 1% cash back.
If your business has recurring software subscription expenses, you may look forward to a $100 statement credit each year. Additional employee cards come at no extra cost.
Pros
No annual fees
Generous welcome bonus
Bonus cash back categories
Introductory 0% APR on purchases and balance transfers for 15 billing cycles

Cons
Foreign transaction fees
Balance transfer fees
No complimentary insurance coverage
$0 annual fee
Cash back rate of up to 5%
3% foreign transaction fee
3% or $5 (higher of the two) balance transfer fee
0% intro APR on purchases and balance transfers for 15 billing cycles
Terms, rates and fees apply
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
One of the top business travel cards for frequent American Airlines travelers
- ExcellentRecommended Credit
- $99Annual Fee
- 1–2 Miles per $1*Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate on TV, Phone, Internet Services
We recommend this CitiBusiness® / AAdvantage® Platinum Select® Mastercard® card to business owners who wish to capitalize on their spending toward American Airlines flights. While you earn 2x miles per dollar on eligible American Airlines purchases, you also earn 2x miles at gas stations and on payments made toward cable and satellite providers, car rental merchants, and telecommunications merchants. All other purchases come with 1x miles.
All new cardholders get to earn 65,000 bonus miles by spending $4,000 on purchases in the first four months. If you spend $30,000 or more on purchases each year, you qualify for an American Airlines companion certificate for domestic main cabin travel. You get for first bag checked for free on American Airlines and may also benefit through preferred boarding.
Using this card outside of the U.S. makes sense as it comes with no foreign transaction fees. You can save 25% on American Airlines in-flight food, beverage and Wi-Fi purchases. The $99 annual fee is waived for the first year.
Pros
No foreign transaction fees
Generous welcome bonus
Convenient travel perks on American Airlines flights
Extensive network of partner airlines via oneworld Alliance

Cons
$99 Annual fee
No access to airport lounges
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first four months
25% savings on American Airlines inflight Wi-Fi when you use your card
First checked bag is free on domestic American Airlines
Enjoy preferred boarding on American Airlines flights
Earn two miles per dollar spent on telecommunication, cable and satellite, car rental and gas purchases
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

Methodology

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.

- 25%

Balance Transfer Fee

20%

Long Balance Transfer Duration

10%

Welcome Offer

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 - $500 Cash Bonus
A great no-annual-fee business card with 1.5% cash back
1.5% Cash Back
$0
The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
up to 2X Membership Rewards® points
$0
American Express Blue Business Cash™ Card
A simple cash back rewards card that helps you avoid hassles
1–2% Cash Back*
$0
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
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
One of the top business travel cards for frequent American Airlines travelers
1–2 Miles per $1*
$99
Capital One Spark Miles for Business
Best flat-rate rewards card for frequent flyers
2 Miles per $1
$95

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.

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.

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 - $500 Cash Bonus Card and the Capital One Spark Miles for Business Card charge no balance transfer fees. However, most balance transfer offers include a fee of 3% to 5% of the amount transferred.

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.

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.

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.

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.

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 - $500 Cash Bonus Card, the Capital One Spark Miles for Business Card and the CitiBusiness AAdvantage Platinum Select Mastercard.

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 - $500 Cash Bonus Card, the American Express Blue Business Cash Card and the American Express Blue Business Plus Card.

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 - $500 Cash Bonus Card offers 1.5% cash back on all business purchases. On the other hand, the Capital One Spark Miles for Business Card offers 5x miles on hotels and rental cars booked through Capital One Travel and 2x miles on all other business purchases.

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.