Best business cards that don't report with high limits & 0% balance transfer rates?

[KnowledgeSeekr]

Made the mistake of using personal cards for new business expenses and now it's hampering my personal credit utilization. I'm looking for some business cards that don't report to personal credit so I can fix my utilization. Ideally with 0% or low balance transfer rates. I have a Biz Wells card now but the rate is 25% so that won't work. 

Have high personal balances with NFCU & Chase so those 2 won't work. Appreciate any help!

TU FICO 8 733
EFX FICO 8 740
EXP FICO 8 728
EXP FICO Auto 8 732
61% Utilization
$46k total balance (from business)
No late payments or bads.

[jaxstraw]

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@KnowledgeSeekr wrote:

Made the mistake of using personal cards for new business expenses and now it's hampering my personal credit utilization. I'm looking for some business cards that don't report to personal credit so I can fix my utilization. Ideally with 0% or low balance transfer rates. I have a Biz Wells card now but the rate is 25% so that won't work. 

Have high personal balances with NFCU & Chase so those 2 won't work. Appreciate any help!

TU FICO 8 733
EFX FICO 8 740
EXP FICO 8 728
EXP FICO Auto 8 732
61% Utilization
$46k total balance (from business)
No late payments or bads.

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It's extremely doubtful you will get enough SCL on one biz CC to cover $46k.

Almost every lender for a biz CC is going to pull a personal CR and see that UT and even with pretty decent scores that is a factor.

Probably would have to try and spread it over 3 new biz CC's at least.

But for a fixed time 0% BT you could try AMEX (BBC or BBC) and US Bank (Platinum)....check the details.

And while I'm not sure of the BT rate for NFCU Biz CC the business side doesn't factor in who your UT is with because Navy biz and personal are separate entities and don't interoffice cross lines.

[cashorcharge]

Agreed with @jaxstraw in finding a single option to cover the entire $46K may not be easy

You can look into FNBO as they offer a 0% BT for 12 months.  It'll require a personal EX HP and if you get the max SL, I have yet to see any come in over $15K.  You'll like have to acquire a few options and you'll likely take some personal HP's along with way.