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Fixed APR Balance Transfer Credit Cards

During the past four years, American Express and Advanta both issued credit cards that offered fixed APRs on balance transfers until the balances were repaid. As of September 19th, none of these offers are available to consumers. Advanta, which had offered a 2.99% fixed APR with its life of balance card, and American Express, which had offered 4.99% fixed APRs on a number of cards, have removed these offers from the market. American Express replaced its fixed for life offers with 2.99% for 12 month offers. However, these balance transfers also carry a 3% fee, making 0% APR for 1 year offers a substantially better deal for consumers.

For consumer's sake, we hope the move away from fixed APR for life balance transfers is short lived. Unfortunately, it could be months, or more likely, years before such offers return to the market. In the interim, we suggest seeking out a credit card that offers a 0% APR for a year on balance transfers. Below are our current recommendations.

Low Variable and 0% APR Alternatives to Fixed APR Balance Transfers




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Fixed APR Balance Transfer Articles

About Fixed APR Balance Transfers - When They Existed

A fixed APR balance transfer offer allows you to transfer a higher rate balance to a credit card that charges a fixed interest rate for a set amount of time that can last anywhere from a year to life. Unfortunately, no credit cards offer fixed 0% APR balance transfers for life. However, many fixed APR balance transfer offers do provide 4.9% transfers for life. Learn more about fixed APR balance transfers.