Top 10 Business Credit Cards with 0% Balance Transfers in 2025

Choosing the right business credit card can make a significant difference in your financial management, especially when it comes to handling existing debt. If you’re feeling overwhelmed by high-interest rates on your current balances, you’ve come to the right place. We’ll explore some of the best business credit cards specifically designed for balance transfers. From 0% introductory APR offers to favorable terms and rewards structures, these options can ease your financial burden while supporting your business growth.

We’ve compiled a selection of 10 standout cards that not only help manage existing balances but also offer additional benefits tailored to the needs of small businesses. Whether you’re looking for low fees or reward systems that suit your spending habits, there’s likely something here for you.

Let’s dive into how each card works and discover which one aligns best with your business goals:

Chase Ink Business Cash® Credit Card

Best for: 0% Intro APR + High Cashback Categories

The Chase Ink Business Cash® Card offers a 0% introductory APR on balance transfers for the first 12 months—ideal for consolidating debt without accruing interest.

Key Benefits:

• No annual fee: Keep your overhead low.
• 5% cash back on the first $25,000 spent each account anniversary year at office supply stores and on internet, cable, and phone services.
• Broad acceptance: Easily use it across a wide range of merchants.

This card combines strong cashback potential with strategic debt relief.

American Express Blue Business® Plus Credit Card

Best for: Long Intro APR + Everyday Points

With no annual fee and a 0% intro APR on balance transfers for 15 months, this card gives businesses both breathing room and reward potential.

Key Benefits:

• Earn 2X Membership Rewards® points on everyday business purchases (up to $50,000 per year).
• No foreign transaction fees: Great for global expenses.
• Business tools: Access robust expense management features.

Perfect for startups seeking low-cost flexibility and strong travel or rewards value.

Capital One Spark Classic for Business

Best for: Rebuilding Credit

If you’re rebuilding credit, the Capital One Spark Classic offers solid features with no foreign transaction fees.

Key Benefits:

• Designed specifically for business owners with average credit.
• Competitive interest rate for a card in this category.
• Helps you build business credit while managing existing balances.

A great starter or second-chance option for entrepreneurs looking to get back on track.

Bank of America® Business Advantage Unlimited Cash Rewards Secured Card

Best for: Secured Option with Cash Back

Need a secured card that works hard for your business? This option provides a 0% introductory APR on purchases and balance transfers for the first nine billing cycles.

Key Benefits:

• No annual fee
• 1.5% unlimited cash back on all purchases
• Easy-to-use online tools to track spending and pay down debt

A strong fit for new businesses or owners needing to re-establish financial footing.

Wells Fargo Business Platinum Credit Card

Best for: Longest Balance Transfer Intro Offer

This card offers up to 18 months of 0% introductory APR on qualifying balance transfers—among the longest available for business cards.

Key Benefits:

• No annual fee
• Flexible payment terms aligned with your business cycle
• Cash back or points rewards (choose your preference)

A powerful tool to help businesses stay liquid while repaying debt over time.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Best for: Travel-Focused Businesses

For businesses that frequently fly, especially with American Airlines, this card combines travel perks with debt management potential.

Key Benefits:

• 0% intro APR on eligible balance transfers for 12 months
• Earn American Airlines AAdvantage® miles on all purchases
• First checked bag free, priority boarding, and no annual fee in the first year

A great fit for teams or founders who rack up frequent flyer miles.

Discover it® Business Card

Best for: Cashback Matching

This card doubles all cash back earned in the first year and includes a 0% APR for 14 months on both purchases and balance transfers.

Key Benefits:

• No annual fee
• Earn 1% cash back on all purchases—and double it in year one
• Strong expense tracking tools and free FICO® Score access

Excellent for business owners who value simplicity and cash rewards.

U.S. Bank Business Platinum Card

Best for: Longest 0% APR Period

The U.S. Bank Visa® Business Platinum Card offers a generous 0% intro APR for up to 20 billing cycles on balance transfers.

Key Benefits:

• No annual fee
• Optional rewards after the intro period
• Tools to manage expenses and track business spending

This long runway is ideal if you need extra time to pay off existing debt without feeling pressured.

HSBC Fusion Business Mastercard®

Best for: International Transactions

For businesses with international suppliers or operations, this card provides flexibility and cost savings abroad.

Key Benefits:

• No foreign transaction fees
• Promotional APR offers are designed for balance transfers
• Loyalty points program for travel or gift cards

Ideal for global entrepreneurs looking for seamless domestic and international use.

Brex Corporate Credit Card

Best for: VC-Backed Startups

Brex offers a unique, interest-free model for startups with venture capital or strong investor backing.

Key Benefits:

• No personal guarantee required
• Integrates cash management and accounting tools
• Real-time analytics and spend controls

There is no APR, but repayment is often due daily or monthly, based on your cash flow, making it best suited for well-capitalized teams.

Final Thoughts

Whether you’re looking to consolidate high-interest balances or get smarter about managing cash flow, the right business credit card can be a game changer. Carefully weigh the features that matter most—introductory APRs, fees, rewards, and credit-building opportunities—and match them with your business’s current stage and goals.

Do you have a question about which card best suits your business? I’m here to help break it down for your needs.

Frequently Asked Questions

What is a balance transfer on a business credit card?

A balance transfer allows you to move existing debt from one or more credit cards to a new card that offers a lower interest rate, often 0% for a set period. This helps you save on interest while you pay down your debt more efficiently. Many business credit cards offer a 0% introductory APR on balance transfers for a specified period, typically 6-18 months.

How does a 0% intro APR on balance transfers work?

A 0% intro APR means that you will not be charged interest on transferred balances for a set period, typically 6-18 months. After the promotional period ends, the regular APR will apply, which can be significantly higher. It’s essential to pay off your balance before the introductory period ends to avoid paying high interest rates.

Are there any fees associated with balance transfers?

Yes, most business credit cards charge a balance transfer fee, typically ranging from 3% to 5% of the amount being transferred. For example, if you transfer $5,000, a 3% fee would cost you $150. Be sure to factor this fee into your decision when selecting a card for a balance transfer.

Can I transfer balances from personal credit cards to a business card?

It depends on the card issuer’s terms and conditions. Generally, business credit cards are intended for business-related expenses, so transferring personal credit card balances may not be allowed. Always check with the card issuer to confirm their policies.

Reviewed and edited by Albert Fang.

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Article Title: Top 10 Business Credit Cards with 0% Balance Transfers in 2025

https://fangwallet.com/2025/04/18/top-10-business-credit-cards-with-0-balance-transfers-in-2025/

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