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Let's not beat around the proverbial bush: If you own your own business and you're carrying credit card debt from month to month that you just can't seem to pay off, you're not only adding financial stress to your life, you're wasting money.

Business credit cards these days carry an average annual APR of around 15 percent. That can add up quickly, even if your rollover balance each month is just a few thousand dollars. If that describes your situation, it may be time to consider a balance transfer business credit card.

What is a business balance transfer credit card?

A balance transfer business card is essentially the same as any other credit card, but with a low- or 0%-introductory APR on balances transferred from another credit card. Some offer lengthier introductory periods than others, and many offer cash-back rewards, 0% financing on new purchase, and even sign-up bonuses. Keep in mind that you'll likely pay a balance transfer fee - usually 3% or 5% of the total balance moved - but there are cards that don't charge this fee, which can be nice, particularly if your balance is large.

When considering all of these options, it's important to keep your primary business needs in mind to determine which kind of card is best for your situation. For example, if you think it will take you a while to pay off your transferred balance, you may want to go with a card with a longer introductory period. If you think you'll get your balance paid off quickly, you may want a card that lets you earn the most rewards or has the lowest ongoing variable APR.

Because these cards are usually reserved for business owners with good or excellent credit, their offerings are competitive, so you may find more than one card that offers all of the above.

Is a balance transfer business card right for your business?

If your current business credit card has a high variable APR, you're carrying a balance you can't pay off easily, or both, chances are you can save quite a bit of money transferring your balance to a new card. Likewise, if you're getting to the point that making your monthly minimum payments is challenging, the breathing room a balance transfer card can offer could be helpful.

A balance transfer isn't for everyone, though. If you've fallen behind on your payments because of your debt, you may have already damaged your credit scores to the point that you may not qualify for a new card. Likewise if you've maxed out your credit limit. You'll need a good credit score for all of the cards on this list.

Also, keep in mind that these introductory offers are just that, and any remaining balance at the end of your introductory period will automatically revert to the card's standard variable APR, so you'll want to pay it off in the time allotted.

The best balance transfer business credit cards

Here are our picks for some of the best balance transfer business credit cards available today:

Blue Business Plus Credit Card from American Express: Introductory 0% APR

If you're looking for a 0% APR offer on balance transfer, look no further than the Blue Business Plus Credit Card from American Express.

You'll not only get a 0% introductory APR on balance transfers for 12 months, you'll also pay no interest on purchases for that same period. After that ,your APR will revert to the current 14.99% - 20.99% variable rate, based on your creditworthiness and other factors at the time of account opening.

There's no annual fee for the Blue Business Plus card and you'll earn 2X points on all purchases up to $50,000 annually and 1X point for every additional dollar spent. On top of that, you can make purchases above your spending limit without prior approval, so large expenses won't be a hassle, even while you're paying off your balance transfer.

Keep in mind, though, that the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record and other factors.

Chase Ink Business Unlimited Credit Card: Best alternative cash back card

The Chase Ink Business Unlimited card lets you earn unlimited 1.5% cash back on every purchase made for your business. It comes with the same introductory 0% APR offer and all the same terms as the Ink Business Cash card.

Capital One Spark Cash Select for Business: Best card for no fees

The Capital One Spark Cash Spark Select for Business doesn't come with a 0%- or even low-introductory APR, but if your current credit card has a really high APR it could still be worth transferring your balance to this card.

To start, there are no fees - no balance transfer fee, no annual fee and no foreign transaction fees. You'll pay a 14.74% - 22.74% variable APR on the balance you transfer, based on your creditworthiness. But again, if your current APR is higher than that, it could end up saving you money.

On top of no fees, the Spark Cash Select also offer a 0% APR on all purchases for the first 9 months from account opening, so you can focus on paying down your current debt without paying interest on new debt. You'll also earn unlimited 1.5% cash back on those new purchases and you can redeem at any time with no minimums.

The Spark Cash Select also offer new members a one-time $200 cash bonus when you spend $3,000 within the first 3 months from account opening.

The bottom line

Unlike consumer credit cards, there are only a handful of business credit cards that make transferring existing balances simple and affordable, so you'll probably find your options limited to only a few other cards not already mentioned here.

If debt is weighing you down, you may want to consider some alternatives to business credit cards that offer longer terms and lower interest rates, such as a business loan or business lines of credit. While business loans aren't always easy to get, there could be loan options available that you're currently unaware of.

As with any financial matter, your due diligence is key to finding the best funding solutions for your particular circumstances.

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