Getting a 0% APR balance transfer for life is a thing of the past.  While this type of deal was once offered by Discover, no bank has offered such a deal for over two years.  However, it is still possible to get a low fixed APR balance transfer for life.

The Advanta Life of Balance card is the clear leader in this category.  They offer a 2.99% fixed APR for life on balance transfers.  Although this is marketed as a business credit card, consumers can apply for this fixed apr for life balance transfer credit card.  When filling out the application, simply use your name instead of business name when prompted to do so.

The Advanta Life of Balance card offers the lowest fixed APR for life on the market.  However, there are a few addtional offers.  American Express offers three credit cards that offer a fixed APR for life on balance transfers.  Among the deals they offer, the American Express Clear card offers no fee balance transfers and a 5.99% fixed APR for life.  The remaining offers from American Express do charge a balance transfer fee, but offer a 4.99% fixed APR for life.  If you expect to repay your balance in more than 3 years, this may be the best deal.

Overall, the Advanta offer provides the best deal of all fixed APR for life balance transfer deals on the market.  However, individuals who intend to pay their balances off in around a year may save most with a 0% APR balance transfer credit card.