The best business credit cards for balance transfers for 2026

Written by: Tim Devaney
• Edited by:Claire Diver, Senior Editor, Credit Cards
• Updated •6 min read
This date may not reflect recent changes in individual terms.
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If you’re self-employed or a small-business owner and your company is carrying high-interest credit card debt, a business balance transfer credit card might help you lower your interest rate and pay down your high-interest credit card debt more quickly.

Here are our picks for the best balance transfer business credit cards for 2026.

Best for staying focused on your debt: PNC Visa® Business Credit Card

Here’s why: If you want to stay laser focused on paying off your business debt, this card offers a useful intro APR offer without any distractions.

The PNC Visa® Business Credit Card offers a 0% APR on balance transfers for the first 13 billing cycles after your account opens on balances transferred within the first 90 days. It charges a balance transfer fee of 5% or $5, whichever’s greater. The card also offers a 0% intro purchase APR for 13 billing cycles after account opening.

After the intro periods end, the variable APR for balance transfers and purchases rises to 16.24% to 26.24%.

The PNC Visa® Business Credit Card doesn’t charge an annual fee, but it also doesn’t offer any rewards. For that reason, the PNC Visa® Business Credit Card is likely best for business owners who want to pay off debt.

Best for managing business expenses: U.S. Bank Business Platinum Card

Here’s why: The U.S. Bank Business Platinum Card is a straightforward option for business owners who want to transfer a balance and manage employee expenses.

It comes with a 0% intro APR offer on purchases and balance transfers for the first 12 billing cycles after account opening. After the intro period ends, the regular variable APR on purchases and balance transfers rises to 16.24% to 25.24%. To qualify for the intro rate, you must transfer any balances within 30 days of opening your account. And there’s a 5% balance transfer fee (minimum $5).

The card also comes with U.S. Bank’s spending management tool, which allows you to track review and control employee spending, export data to your accounting software, automatically match receipts to transactions and more. This can be a helpful tool for business owners who want to track spending — but who may not have the time to read every receipt.

Best for earning rewards: U.S. Bank Triple Cash Rewards Visa® Business Card

Here’s why: Once you’re done paying off a balance transfer, the U.S. Bank Triple Cash Rewards Visa® Business Card may prove to be a lucrative tool in your wallet.

The card comes with a 0% intro APR offer on purchases and balance transfers for the first 12 billing cycles after your account opens. After the intro period ends, the regular variable APR on purchases and balance transfers rises to 17.245% to 26.24%. You’ll pay a balance transfer fee of 5% ($5 minimum), and you must transfer any balances within 30 days of account opening to qualify for the intro rate.

After paying off your balance transfer, the U.S. Bank Triple Cash Rewards Visa® Business Card offers rewards: You’ll earn 3% cash back on eligible gas and EV charging purchases of $200 or less, as well as on purchases made at office supply stores, with cellphone service providers and at restaurants. All other purchases earn 1% cash back.

Best for low balance transfer fee: First Citizens Bank Rewards Business Credit Card

Here’s why: You’ll have to live near a First Citizens Bank branch to get this card — you can only apply for it in person. But if you’re able to get it, you can save money by paying off a balance at the low intro rate.

This card offers 0% intro APR for nine months after account opening on purchases and balance transfers. After the intro period ends, the regular variable APR on purchases and balance transfers goes to 15.74% to 24.74%. Balance transfers come with a fee of 3% (minimum $5).

The First Citizens Bank Rewards Business Credit Card also offers rewards and doesn’t charge a foreign transaction fee, so it could be a valuable card for your business after you pay off your transferred balance.

What is a business credit card balance transfer?

Balance transfers allow you to pay down high-interest credit card debt. To do this, you transfer the interest-accruing balance to a credit card with a low- or zero-interest introductory period, which typically lasts six months to two years.

It’s somewhat rare to find business credit cards that have a low-interest intro offer on balance transfers, but there are a few available.

How do business balance transfers work?

Balance transfers can save business owners a lot of money in interest charges and help work down debt more quickly.

But you have to be careful — it’s easy to misunderstand the fine print and end up with even more debt that you started with.

Here’s how to make a business balance transfer work for you.

  1. Research business balance transfer credit cards. Try our balance transfer calculator to get an idea of how much a balance transfer could save you.
  2. Understand that a business balance transfer could affect your personal credit as well. There are several ways that a new business credit card could affect your personal credit.
  3. Apply for the business balance transfer credit card of your choice. Even if it’s rarer to find an introductory 0% APR balance transfer offer with business cards than with personal credit cards, there are still offers available. If you don’t get approved, you can try working on building your business credit before trying again.
  4. If you’re approved, initiate the transfer with your new credit card issuer. There may be a limited amount of time for you to initiate the transfer to qualify for an introductory 0% APR offer. Depending on the amount you want to transfer and the credit limit you’re approved for on the new card, you may only be able to transfer part of your debt. The issuer for your new card may mail you a balance transfer check that you can use to make the transfer (up to the new card’s limit).
  5. Follow up. Don’t stop paying your old card until you’ve confirmed that the balance transfer is complete. If you were only able to transfer part of your debt, you’ll have payments to make on multiple cards now.
  6. Pay down your debt. Paying off the transferred balance within the intro APR window means you could save on potentially high interest payments and pay down that debt more quickly. 

In order to effectively pay down your debt, it’s important to focus on your primary goal. We like rewards as much as the next person, but earning a sign-up bonus or collecting cash back should never get in the way of paying off your debt.

If you think rewards or a sign-up bonus will tempt you to spend more, consider looking for another balance transfer credit card that doesn’t offer rewards.

On the other hand, if you use your balance transfer credit card only to make purchases you were already planning on making, you might as well earn rewards for your spending while paying down your balance transfer.

If you think you’ll end up charging new purchases to your balance transfer card though, it’s a good idea to look for a card that offers an intro APR that’s the same length for purchases as it is for balance transfers. Why? If your purchase offer ends before your balance transfer offer ends, you could be charged interest on your new purchases right away, unless you pay off your entire balance (including your non-interest-accruing transfer balance). Keep reading to learn more balance transfer risks.

Pros and cons of balance transfer business credit cards

Pros of balance transfer business credit cards

  • Save money on interest
  • Pay down debt
  • Potential to earn rewards after paying off debt

Cons of balance transfer business credit cards

  • May have little use after paying off balance
  • Balance transfer fees

How we picked these cards

To find the best business balance transfer credit cards, we started by looking at our favorite business credit cards. Then, we checked each of our favorite business cards to see which ones offered balance transfers.

But business balance transfer offers are somewhat rare, so we included cards with application restrictions to ensure we presented a comprehensive list. These cards won’t be available to every business, but they might fit your needs.

We also factored in the regular APR, balance transfer fees, annual fees and rewards programs for each card.

About the author: Tim Devaney is a personal finance writer and credit card expert at Credit Karma. He’s a longtime journalist who prides himself on being a good storyteller who can explain complex information in an easily digestible wa… Read more.