I hate it when I just plain forget to post things, which is I’m glad I did that survey 😉 One of the main reasons why I brought up the fact that anyone can apply for business credit cards is that you can take out 0% APR balance transfers (see my detailed posts on how I do this first) and because business accounts and balances don’t show up on your consumer credit report, it won’t dink your personal credit score. The only problem is that business credit card offers tend not to be as juicy as the best consumer card offers. Still, here are some of the better ones. Again, I’m looking for 0% APR for the longest time, applying to both purchases and balance transfers, no annual fees, and lowest balance transfer fees.
Advanta Platinum Rewards BusinessCard MasterCard – No annual fee, 0% APR fixed for 15 months on balance transfers, balance transfer fee of 3% (min $5, max $50). This probably the longest one I’ve seen. There is also a cashback program, but don’t use this when you have a balance transfer.
Chase Platinum Business Rebate Card – No annual fee, 0% APR fixed for 12 months on purchases and balance transfers, balance transfer fee of 3% (min $5, max $75). 3% Cash Back on for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
Chase Business Cash Rewards Card – Similar to above; No annual fee, 0% APR fixed for 12 months on purchases and balance transfers, balance transfer fee of 3% (min $5, max $75). Somewhat confusing tiered cashback program up of to 5% back. May be worth it for big spenders.
CitiBusiness Card with ThankYou Network – No annual fee, 0% APR fixed for 12 months on purchases, see application for balance transfer fee detail. There is also a $100 Gift Card after you make $250 in purchases!