Fixed APR Balance Transfer Credit Cards

During the past four years, American Express, Chase, and Advanta issued credit cards that offered fixed APRs on balance transfers until the balances were repaid. These offers were pulled from the market in September of 2008, and more than a year later, they seem unlikely to return anytime soon. Advanta, which had offered a 2.99% fixed APR with its life of balance card, is no longer in business.

For consumer’s sake, we hope the move away from fixed APR for life balance transfers is short lived. Unfortunately, many major banks have signaled that they will be ending fixed rate credit cards. Thus, given the current absence of fixed APR credit cards, we suggest seeking out a credit card that offers a 0% APR on balance transfers, followed by a low variable rate. Below are our current recommendations.

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

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.

*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an “Apply” button, you can review the credit card terms and conditions on the issuing company’s website.