#1 Online Credit Card Consulting

Apply for a credit card | Credit card education | Credit card blog

Balance Transfer Credit Card Offers for Business

View Options: Extended | Compact | Comparison

If you are currently carrying a lot of debt on a credit card with a high interest rate, a balance transfer card can be your ticket to a fresh start. Balance transfer cards let you move the balance that you owe on one credit card over to a new card, getting you better rates on the debt that you already have, and better rates for any additional purchases you might make. Using balance transfer cards can keep your interest payments manageable and affordable, and eventually help get you out from underneath your debt.

Transfer higher interest balances to lower
interest accounts and start saving money
Consolidate several accounts and make a single monthly payment
Consider the long term rates on balance transfer cards, not just the introductory rate

| Cards for Consumer | Cards for Student | Cards for Business |

Credit Card Offers Found: 6

Advanta Platinum BusinessCard with Rewards

Good Credit*

Most Attractive:	No annual fee; discounts on various products and services; choice of travel rewards or cash back program.
Special Offer:	0% APR on Balance Transfers for 15 Months.

(MasterCard)

Click here to apply for Advanta Platinum BusinessCard with Rewards

0% APR on Balance Transfers for 15 Months
7.99% Fixed APR Thereafter
No Annual Fee and No Limit on the Total Rewards You Can Earn
5% Cash Back or Travel Rewards
$0 Fraud Liability
Personalized Card - Your Company Name on The Top of the Card
Benefit Rating:

0% Intro APR on Balance Transfers for 15 Months
7.99% Regular Variable APR for Purchases
7.99% Regular Variable APR for Cash Advances

Rebate Amount: Up to 5%
see terms Grace Period

(* A 0% introductory rate is available on balance transfers for 15 months. The APR for balance transfers after the introductory period will be a fixed rate of 7.99%.)

Important Notes:

Estimate Reward Earnings

Cardholders can only enroll in either the cash back rebate program or the travel rewards program.
The variable APR for cash advances varies according to the applicant's credit history and will be either 7.99% or 19.99%.
See website for complete terms and conditions of card usage and application disclosure.

Discover® Business Card

Good Credit*

Most Attractive:	Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.
Special Offer:	0% for 12 months and is applied to Purchases, Balance Transfers.

(Discover Card)

Click here to apply for Discover® Business Card

0% Intro APR on Balance Transfers and Card Purchases for 12 Months
No Annual Fee
5% Cashback Bonus on office supplies, 2% on gas and up to 1% on all other purchases
Fee-free PurchaseChecks to pay vendors and suppliers who do not accept credit cards
Manage employee card spending online, in real time
View Discover® Card Rates, Fees, Rewards and Other Important Information
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 12 months
13.99% Regular Variable APR for Purchases
22.99% Regular Fixed APR for Cash Advances

Rebate Amount: Up to 5%
Bonus on First Purchase: n/a
20 days Grace Period

(* There is a 0% introductory APR on purchases and balance transfers for 12 months)

Important Notes:

Estimate Reward Earnings

See website for complete terms and conditions of card usage and application disclosure.

CitiBusiness® Card with ThankYou(SM) Network

Excellent Credit*

Most Attractive:	0% introductory rate; no annual fee; access to rewards program; bonus points.
Special Offer:	0% APR on Purchases for 12 months

(MasterCard)

Click here to apply for CitiBusiness® Card with ThankYou(SM) Network

0% APR on Purchases for 12 months
No annual fee
10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card
3 ThankYou Points on eligible business purchases
1 ThankYou Point for every dollar you spend on other purchases
Business-size credit line
Quarterly and annual business account summaries
Balance transfer fee applies with this offer
Benefit Rating:

0% Intro APR on Purchases for 12 months
9.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

Points per Dollar: 1.00 Point
Bonus on First Purchase: 10,000 points after $250
20 days Grace Period

(* 0% APR on Purchases for 12 months)

Important Notes:

Estimate Reward Earnings

See website for complete terms and conditions of card usage and application disclosure.

Platinum Business Credit Card

Excellent Credit*

Most Attractive:	Access to Membership Rewards Options program; special discounts at participating merchants; many benefits and additional perks; no annual fee.
Special Offer:	0% for 12 months and is applied to Purchases.

(American Express)

Click here to apply for Platinum Business Credit Card

0% APR for the First 12 Months
No annual fee
Option to enroll in Fee-Free Rewards Program
Earn 1 Membership Rewards point for virtually every dollar you spend
Book any airline, anytime with Membership Rewards Pay with Points
Use the Express Rewards (SM) Hotel Card for hotel stays, room service, dining, or even spa treatments
With OPEN Savings, you can save on expenses with companies like FedEx, Delta®, Hyatt Hotels & Resorts®, and more
Benefit Rating:

0% Intro APR on Purchases for 12 months
8.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances

Points per Dollar: 1.00 Point
Bonus on First Purchase: None
25 days Grace Period

(* 4.99% APR fixed for the life of the balance for balance transfers submitted with this application or posted to your account during the first 45 days of Card membership)

Important Notes:

Estimate Reward Earnings

Card is currently unavailable to residents of Puerto Rico.
The APR for purchases varies according to the applicant's credit history and will be 2.99%, 4.99%, 6.99% or 9.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

Advanta Life of Balance Platinum Card

Good Credit*

Most Attractive:	Reasonably low APR; no annual fee; discounts on various products and services; choice of travel rewards or cash back program.
Special Offer:	2.99% until the balance is paid in full and is applied to Balance Transfers.

(MasterCard)

Click here to apply for Advanta Life of Balance Platinum Card

2.99% Fixed APR for Life on Balances Transferred within 3 Months
No Annual Fee and No Limit on the Total rewards You Can Earn
6% Cash Back or Travel Rewards
$0 Fraud Liability
Personalized Card - Your Company Name on the Top of the Card
Benefit Rating:

2.99% Intro APR on Balance Transfers for 3 Months
9.99% Regular Variable APR for Purchases
9.99% Regular Variable APR for Cash Advances

Rebate Amount: Up to 6%
see terms Grace Period

(* The introductory rate is available on balance transfers submitted during the first three months)

Important Notes:

Estimate Reward Earnings

The APR is based on the highest Prime Rate during a 90-day period.
Cardholders can only enroll in either the cash back rebate program or the travel rewards program.
See website for complete terms and conditions of card usage and application disclosure.

Chase Business Rebate Visa® Card

Good Credit*

Most Attractive:	Rebate program; no annual fee; long term 0% introductory rate.
Special Offer:	0% for 12 months and is applied to Purchases, Balance Transfers.

(Visa)

0% APR for Up To 12 Months on Purchases and Balance Transfers
No Annual Fee
3% Cash Back Back for Purchases at Restaurants, Gas Stations, Office Supply Stores, Building Supply Stores, and Hardware and Home Improvement Stores
1% Cash Rebate on All Other Purchases
Free Additional Cards for Your Employees, Free Quarterly Reports and Other Online Account Management Tools to Help You Keep Track of Your Business Expenses
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances

Rebate Amount: Up to 3%
Bonus on First Purchase: n/a
20 days Grace Period

(* 0% APR for up to 12 Months on purchases and balance transfers)

Important Notes:

Estimate Reward Earnings

The APR for purchases varies according to the applicant's credit history and is either 5.99%, 9.99% or 14.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

It isn't the principal on your credit card that gets you-it's the interest you pay on it. If you've accumulated a fair amount of debt, and you are carrying it on a credit card with a high interest rate, it might be time for you to think about balance transfer cards. While your current credit card is charging you a high interest rate on the amount you owe, balance transfer cards can offer you a lower interest rate-frequently, even a period with no interest at all-and a way to get yourself back in control of your debt. Balance transfer cards can get you the interest rates you can manage, and the time you need to really start paying off your principal.

How can balance transfer cards do this? Balance transfer cards simply take on whatever amount you owe on another credit card, and apply their own rates instead of the other card's. This means that you can get away from a credit card with a bad interest rate, but it also means you have to pay close attention to the details. You want balance transfer cards that are going to help your financial situation, not saddle you with an even higher interest rate.

There are several things you need to examine when you are looking at different balance transfer cards. One of the first and most important things for you to think about is the introductory rate. First, find out if the balance transfer cards that you are looking at have one. An introductory rate is the rate that the credit card company will offer you for a period of time after you've signed up for their card. Ideally (and frequently), the introductory rate on balance transfer cards will be zero percent, giving you a little time in which to pay down your principal, without any interest adding up.

Next, you need to make sure that the introductory rate offered by the balance transfer cards that you're looking at actually applies to balance transfers. Often, credit cards will have different rates for normal purchases than for balance transfers, so you want to be sure that the balance transfer cards that you are considering have an low interest rate that applies specifically to balance transfers. Otherwise, you might just be hopping out of the frying pan and into the fire. Also, make sure that the introductory rate that is advertised is the rate that you will get. Rates frequently depend on your credit history, so don't just assume that you automatically got the rates you read about in an ad, without looking at the terms on your contract.
Another important thing to consider when you're looking at balance transfer cards is the duration of the introductory period. Most balance transfer cards offer an introductory period that lasts from six months to a year. Try to shoot for the balance transfer cards with the longest introductory periods, to get yourself the most time possible with the lowest rates. Balance transfer cards with an introductory rate of zero percent interest and a one-year introductory period will give you an entire year to pay off your principal, without accruing any more interest.

Finally, you need to make sure that the balance transfer cards that you are considering are the right financial choice for you in the long run. Even if the introductory rates on the balance transfer cards that you're looking at are incredible, if the interest rates jump to an unmanageable level after the introductory period ends, the cards you're looking at probably aren't a great choice. Used properly, balance transfer cards can get you the time you need to get your finances in order, so make sure you know what you're doing before you sign a contract.