The best business balance transfer credit cards for 2018

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In a Nutshell

Transferring a balance to a credit card with an introductory 0% APR promotion on balance transfers could save your business hundreds of dollars in interest. Here are three cards to check out if you’re looking to make a balance transfer for your business.

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At a glance: Best balance transfer business credit cards for 2018

Best for Credit card
Bonus rewards Ink Business Cash℠ Credit Card
Long balance transfer promotion The Blue Business℠ Plus Credit Card from American Express
Flat rewards rate Ink Business Unlimited℠ Credit Card

It can be easy to rack up a credit card balance when you’re running a business. But if your cash flow doesn’t work out just right or if sales dip, you could be left with a large balance and high interest expenses.

With a balance transfer business credit card, you may be able to pay down your business credit card debt interest-free. Then, you can take the money you save on interest and put it toward building your business. And then use the card responsibly to continue building your business credit history.

There aren’t many business credit cards that offer an introductory 0% APR promotion on balance transfers. But the ones that do also provide some solid rewards and perks.


Ink Business Cash℠ Credit Card

Who’s it for?

Business owners who spend a lot on office-related expenses.

Why we like it

For starters, the Ink Business Cash℠ Credit Card offers a 0% intro APR on balance transfers (as well as purchases) for 12 months from account opening, giving you a full year to pay down your transferred balance before you’ll be charged interest on it. After that, there will be a variable APR, for both balance transfers and purchases, of 15.24% - 21.24%. (Note: The card has a balance transfer fee of 5% (minimum $5).)

If your business has a lot of office-related expenses, you can also get a lot of value out of the card long after the intro APR promotion on purchases and balance transfers is over, with rewards. You can earn…

  • 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year
  • An unlimited 1% cash back on all other purchases made on your card

You can also earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. That’s an incredible offer, considering the card has a $0 annual fee.

Watch out for

The main drawback to the card is that it charges a balance transfer fee of 5% (minimum $5).

But if you can meet the card’s minimum spend requirement for the sign-up bonus, you could easily make up for that fee — at least for a balance transfer of $10,000 or less. Beyond that, the fee outpaces the bonus.

Overall, the card might not be a good fit if your business expenses don’t align with its bonus rewards categories.

How to use it

Consider whether you currently spend at least $1,000 per month on purchases. If so, aim to move those purchases onto your card to make at least $3,000 in purchases in the first 3 months from account opening to help earn the card’s bonus, especially if you want to offset that balance transfer fee. But don’t spend more than you can afford just to earn the sign-up bonus.

From our partner

Ink Business Cash℠ Credit Card

From cardholders in the last year

See Details, Rates & Fees

If you spend more than $25,000 per year on office-related expenses, consider upgrading to the Ink Business Preferred℠ Credit Card. This card offers a higher rewards threshold on similar purchases. But watch out, the Ink Business Preferred℠ Credit Card comes with a $95 annual fee.

From our partner

Ink Business Preferred℠ Credit Card

From cardholders in the last year

See Details, Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Who’s it for?

Business owners who want a longer balance transfer promotion and don’t spend more in any one category.

Why we like it

The Blue Business℠ Plus Credit Card from American Express offers the longest balance transfer promotion window on our list, giving you a 0% intro APR for 15 months from account opening on balance transfers requested within 60 days of account opening, as well as on purchases (then a variable APR of 13.24% - 21.24% for both purchases and balance transfers). Plus, the card’s balance transfer fee is on the lower end at 3% (minimum $5).

You’ll earn two Membership Rewards® points per $1 spent on the first $50,000 in purchases per year, and then one point per $1 after that. This can be helpful if your expenses aren’t in one category. On top of that, there’s no annual fee.

Watch out for

The $50,000 limit on bonus rewards could be limiting to some business owners with a lot of expenses.

How to use it

At 15 months from account opening, this card’s intro APR window for balance transfers and purchases is longer than the same window for either the Ink Business Cash℠ Credit Card or the Ink Business Unlimited℠ Credit Card. You can take advantage of the three extra months to save on interest and a smaller monthly payment.

For example, let’s say you’re transferring $10,000 to a new balance transfer business credit card. If you opt for a card with a 12-month balance transfer promotion, you’d need to pay at least $834 per month to eliminate the balance before the promotion ends.

But with 15 months for the balance transfer promotion, you can achieve your goal with a monthly payment of $667.

From our partner
See Details, Rates & Fees

Ink Business Unlimited℠ Credit Card

Who’s it for?

Business owners who want a big sign-up bonus and flat-rate rewards.

Why we like it

Like the Ink Business Cash℠ Credit Card, this card offers a 0% intro APR for 12 months from account opening, on both balance transfers and purchases (then a variable APR of 15.24% - 21.24% on both purchases and balance transfers). (There’s also a balance transfer fee of 5% (minimum $5).)

You’ll also get $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

But what sets this card apart is that it offers a flat 1.5% cash back on every purchase you make for your business. For business owners who don’t spend a lot in any specific category, or who spend a lot in nonbonus categories, this can be a solid option.

And like the other cards on our list, there’s no annual fee.

Watch out for

If you spend a lot in one category, such as office supplies, advertising or shipping, it might be worth considering other cash-back business credit cards.

Also, don’t forget that balance transfer fee of 5% (minimum $5).

How to use it

Spend as you need in any categories on this card – you’ll always get the same 1.5% cash back.

Also, keep track of your spending for the first few months to see whether you spend enough to earn the card’s sign-up bonus. Whether you own a new startup or an established business, $500 can make a difference. But remember, don’t spend outside your means just to hit the sign-up bonus.

From our partner

Ink Business Unlimited℠ Credit Card

From cardholders in the last year

See Details, Rates & Fees

Bottom line

If you’re looking for a good balance transfer business credit card, there are a handful of good options available. If you use one of these cards responsibly, you’ll not only save money on interest, but you can also build your business credit.

While comparing these cards, also consider other business credit cards that provide cardholders with perks and benefits that may be a good fit for your business. As always, consider which one can give you the most bang for your buck, whether in interest savings, rewards, bonuses or overall benefits.


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