The Top Secret 0% APR Business Balance Transfer Cards Financial Gurus Use (But Won’t Publicly Share)

We uncovered the exclusive 0% interest business balance Transfer credit cards that top financial advisors leverage for rapid debt payoff without telling clients. See the full list you can access today inside.

Carrying high-interest credit card balances can drag down cash flow for any business. Balance transfer cards with 0% intro APR periods offer temporary relief so you can pay down debt without mounting fees.

But how do busy entrepreneurs and financial managers know which business card to get for transferring existing balances at the lowest costs?

As a finance writer with over 15 years covering small business credit products online, I've compiled this definitive list of the top-rated balance transfer cards recommended for commercial applicants across major issuers.

Whether you need lengthy 0% intro terms, low BT fees, or strong ongoing rewards, there’s a perfect fit for your firm’s debt consolidation needs. Let's explore the top options to relieve the interest burden so you can rededicate that cash to growth, payroll, and other operating expenses instead.

Know the Basics - Business Credit Card Balance Transfers

Balance transfer cards allow moving high-interest balances from other credit lines over to new accounts offering temporary 0% introductory rates between 12-21+ months. It saves tremendously on interest fees during the promo period so more money goes toward actually paying down balances.

Key features business owners should look for include:

• Lengthy 0% APR intro terms - Look for at least 12+ months of no interest financing on transferred balances
• Low balance transfer fees - Ideally 3% or less of the total balance moved
• High ongoing rewards - Bonus cashback, points, or perks offset annual fees
• Good personal credit - 680+ FICO scores often required for approval

Watch out for deferred interest offers with expiration dates when the 0% period ends. Know your business cash flow can pay down most of the transferred balances before that deadline to avoid getting socked with huge retroactive interest dating all the way back to the original transfer transaction.

Now let’s count down the best balance transfer credit cards recommended for small business owners in 2024 across major commercial card issuers.

You'll Never Believe The Top 10 Business Credit Cards of 2024 Category-wise

1. U.S. Bank Business Triple Cash Card

• 12 months 0% intro APR on balance transfers
• $0 transfer fees when made in first 90 days
• 3% cash back top category each month

For solid everyday rewards accelerated further by variable category bonuses, the U.S. Bank Business Triple Cash Card allows cardholders to pick one customized 3% cash back category every month from business-friendly options like gas stations, office supply stores, utilities, restaurants, or travel.

All other purchases earn a very competitive 2% cash back when redeemed into eligible U.S. Bank accounts. And new cardholders can save big on balance transfer fees waived during the intro 0% interest period lasting 12 months on transferred debt.

With no annual fee, it’s an overall great blend of temporary 0% financing, unlimited 2%+ cash rewards, and monthly category bonuses that make this card a favorite among small businesses juggling varying expense patterns.

Learn More: See U.S. Bank’s business credit card portfolio

2. Citi Diamond Preferred Card

• 0% intro APR for 18 months on balance transfers
• Balance transfer fees of only 5% or $5 whichever is greater
• 0% intro financing on new purchases too

With Citi® Diamond Preferred® Card, new applicants get an extended 18 month 0% intro APR period applying to both new purchase activity AND balance transfers from other card accounts - one of the longest combined promo windows available.

Balance transfers incur only a very competitive 5% fee (or $5 minimum) per transaction during the intro period, before getting hit with ongoing variable APR between 15.99-25.99% later dependent on creditworthiness.

There’s no rewards program or signup bonus, and no annual fee either. It's simply one of the longest intro 0% interest runs welcoming balance transfers with very reasonable BT fees all aimed at short term debt consolidation.

Learn More: Full Citi® Diamond Preferred® Card details

3. Capital One Spark Cash Select

• 12 months 0% APR for new balance transfers
• 2% unlimited dining rewards with $200 bonus
• Up to $150 annual credits for software subscriptions

While not the longest intro window at 12 months of 0% APR financing for eligible balance transfers, the Capital One Spark Cash Plus card accelerates rewards earning potential with unlimited 2% cash back on dining purchases - a top monthly expense category for many enterprises.

All other purchases earn 1% back, albeit accelerated periodic bonuses do run allowing higher tier rebates when meeting Capital One's advertised offers.

$200 cash bonus after $3k minimum spend in first 3 months gives nice quick returns on top of ongoing rewards. Capital One also credits up to $150 per year toward popular software subscription services - great for rapidly growing startups needing platforms like Slack, Freshbooks, Quickbooks Online, etc.

There's no annual fee either - a well rounded combo of 0% BT time plus rewards optimized for the restaurant industry.

Learn More: See Spark Cash Plus card details

4. Chase Ink Business Cash

• 12 months 0% APR on balance transfers
• Up to $750 cash bonus
• 5% cash back on monthly office supply & internet purchases

With opportunities to earn rewards accelerating quickly via targeted rotating bonuses, the no annual fee Chase Ink Business Cash card provides strong overall value from 12 months 0% APR on transferred balances plus up to 5% cash back in common monthly business spending buckets for many firms - cable/phone/internet expenses plus office supply shops and shipping services.

Combine that with a healthy signup bonus ($750 cash after $7.5k minimum spend in 3 months), and savvy businesses maximizing these uncapped 5% category rebates can offset interest costs during the 12 month intro financing window through rewards value alone.

Note the 5% and 2% accelerated earn rates apply to the first $25k in combined qualified purchases each anniversary year before dropping down to 1% afterwards.

Learn More: See Ink Business Cash details

5. Blue Business Plus Card from American Express

• 0% intro APR for 12 months on balance transfers from date of eligible transfer
• 2 Membership Reward® points per $1 spent on everyday purchases
• $0 intro balance transfer fees when made in first 60 days

American Express serves up one of the better welcome offers for those needing to consolidate business credit card debt thanks to 12 months of 0% intro APR financing on transferred balances from other bank cards. To help maximize savings, they also waive balance transfer fees entirely during the first 60 days on the Blue Business Plus Card.

Day to day spending earns 2x Membership Rewards® points (worth roughly 2% cash back) per $1 spent, with no caps on how much you can aggregate. Points are redeemable for statement credits, airline transfers, Amazon purchases, and more.

With no annual fee beyond the regular balance transfer APR of 14.24-22.24% variable after the intro period, it's a straightforward way to minimize interest costs in the short run while earning Membership Rewards all businesses can leverage for ongoing savings on common purchases.

Learn More: See Blue Business Plus Card details

6. Bank of America Business Advantage Cash Rewards

• 12 billing cycles 0% APR on balance transfers
• $200 cash bonus offer
• Customized 3% category bonus

While not the longest intro window for transferred balances, cost-conscious business owners still get 12 billing cycles of 0% intro APR with the Bank of America Business Advantage Cash Rewards card. Combine that with a $200 cash bonus after $1k in purchases the first 90 days, and suddenly your debt consolidation savings kick off with an extra 10-20% potential pay down or operating funds infusion from that welcome incentive alone.

The 3% variable category cash back bucket also lets you choose one area each month that aligns with higher expense patterns for your business - gas, dining, travel, etc.

There’s no annual fee beyond the variable 12.24% to 22.24% APR. Overall solid temporary reprieve from mounting interest costs while taking advantage of that signup bonus offer.

Learn More: See Business Advantage Cash Rewards details

Comparing Amex Business Credit Cards: Find the Best Card for Your Company 2024

7. CitiBusiness AAdvantage Platinum card

• 18 months 0% APR on balance transfers
• First checked bag free on American Airlines flights
• Up to $100 inflight food/beverage statement credits

For small business owners needing to consolidate higher interest balances who also frequently book travel for client meetings or other essential operations via American Airlines, the co-branded CitiBusiness AAdvantage Platinum card packs a potent 18 month reprieve from balance transfer interest costs plus neatly bundles in free first checked bags and up to $100 annual air travel dining credits when you purchase eligible meals/drinks during AA flights.

So not only can this specialized airline branded card save on interest costs upfront through almost 1.5 years of intro 0% APR on transferred balances from other issuer cards (then 14.99% - 22.99% variable afterwards), but the free bags and inflight credits allow redirection of yet more funds toward operating expenses or paying down the principal owed over time.

There's a $99 annual fee but AA loyalty perks like preferred boarding, special fares, and mileage earning help offset that for regular airport patrons flying the carrier routinely.

Learn More: Review CitiBusiness AAdvantage Card

8. Bank of America Unlimited Cash Rewards Business card

• 12 billing cycles 0% APR for balance transfers
• Unlimited 1.5% base cash rewards everywhere
• Up to 5.25% category bonuses

For straightforward cash back without fooling around with rotating calendar bonuses, The Bank of America Unlimited Cash Rewards Business card provides a competitive 1.5% unlimited base rate across all purchases, letting entrepreneurs simplify expense tracking against steady rebates.

New cardholders enjoy 12 billing cycles of 0% intro APR financing on transferred credit card balances from other banks to help temporarily reduce interest costs. Approved applicants also earn $300 cash if $3k minimum spend met in first 90 days.

Optional 3% and 5.25% category buckets allow tweaking bonus set as a % of total spend, so strategic businesses can reap even higher accelerated tier rewards in customized areas like dining, travel, or business services just by pre-selecting those merchant groups each month.

With no annual fee except the ongoing 13.99% variable APR after the initial 0% APR intro period, it strikes an ideal balance between maximizing cash back rewards and minimizing finance charges monthly.

Learn More: See Unlimited Cash Rewards Biz Card

9. Brex Card Corporate 0% APR Credit Lines

• 0% financing for up to 60 days on credit line
• Credit decisions based on business performance
• Funding possible on same/next day

While technically providing dynamic revolving credit lines without lengthy intro 0% balance transfer offers per se, Brex Card approving eCommerce firms and VC-backed startups access to 0% short-term financing for working capital - drawn as charges against corporate credit line, then a due in full balance comes 60 days later.

So technically by tapping into available credit and temporarily floating funding upfront, but paying back in full every two months, responsible managers effectively maintain 0% interest borrowing on ongoing basis. For rapid growth businesses juggling inventory/operating float throughout each month, dynamic lines up to $1M+ ensure cash crunches don’t crimp expansion plans or slow scaling.

Underwriting determines approvals/limits based on business operating metrics - not personal credit scores - looking at reliable cash flows evidencing consistent ability to pay statement balances when due. So those needing quick capital to bridge uneven cash flows or invoice to payment delays can utilize Brex Card to great effect keeping effective interests/costs at 0% while fueling growth.

Learn More: See how Brex furnishes credit lines

Find Your Best Business Balance Transfer Card Today

Now that you've seen the top-rated options recommended for commercial card applicants across major issuers, choose the one aligning best to your particular business situation. Just remember the keys - maximize 0% APR length to pay down balances sans interest, while secondarily optimizing rewards potential from ongoing spend or lucrative signup bonuses that allow plowing cash back into operating budgets or principal debt reduction.

Ideally, consolidate balances at under 3% fee during 12 months+ no interest windows. Redeem bonuses or cashback to pay down balances directly before promo period expires and deferred interest retakes effect. Monitor statement due dates closely and model future cash flows to ensure sufficient surplus each month for full payments once intro terms conclude.

Whatever your business goals, there IS a tailored credit card solution allowing both temporary balance transfer interest savings AND sustainable commercial growth over longer term. Now make the most of these limited time financing offers and accelerated rewards programs specifically geared for entrepreneurs worldwide.

Let me know in comments any other questions about choosing the right small business card for your situation - with over 15 years covering finance topics online, I'm always happy to help owners pick the ideal fits meeting unique capital needs and optimizing budget priorities!

Chris Freeman is an independent small business finance writer and long-time blogger at MoneyMasterPlan.com

Frequently Asked Questions About Business Balance Transfers

Still unsure exactly how balance transfer process works or risks involved? This FAQ addresses the most common questions entrepreneurs have when considering 0% intro financing offers.