Low Fixed APR for Life of Balance Transfer Credit Cards

Balance transfer credit cards with low fixed APRs for the life of the balance transfer are a great option if you want to transfer a large balance that may take you more than 12 months to pay off.

All of these fixed APR balance transfer credit cards have No Annual Fees, and they offer a low fixed APR for the life of the loan on balance transfers you make using the cards.

The best part of these fixed APR balance transfer cards is that they have No Balance Transfer Fees with the introductory offer, so you can simply concentrate on paying off your credit card debt with a low fixed interest rate, and you don’t have to worry about any fees.

If you will be able to pay off your balance transfers within 12 months, then you will be better off transferring your balances to one of these 0% APR Balance Transfer Credit Cards that have no annual fees, 0% introductory rates on balance transfers for up to 12 months, and no balance transfer fees with some offers.

However, if it will take you significantly longer than 12 months to pay off your balance transfers, then you may be better off with a low fixed APR balance transfer card for the life of the loan, which will allow you to pay off your balances over time without incurring excessive interest charges.

It’s best to use these low fixed APR credit cards strictly for your balance transfers, and consider applying for one of these Cash Rebate Credit Cards in order to earn cash rewards on your everyday purchases, or one of these cards with 0% APR Introductory Offers on Purchases, which provide an interest-free option to finance large purchases.

Transfer you credit card balances to the following cards in order to receive a low fixed APR for the life of the balance transfer loan.

Low Fixed APR Balance Transfer Cards with No Balance Transfer Fees

The following credit cards offer low fixed APRs on balance transfers for the life of the loan with no balance transfer fees.

PenFed Promise Card – 4.99% promotional rate for the life of the balance on transfers made by December 31, 2012. There is no balance transfer fee with this offer, and there is no annual fee as well. You must be a PenFed member to apply, and it’s easy to qualify by joining one of their nonprofit partner organizations.

PenFed Visa® Platinum Cash Rewards Card – 4.99% promotional rate for the life of the balance on transfers made by December 31, 2012. There is no balance transfer fee with this offer, and there is no annual fee as well. You must be a PenFed member to apply, and it’s easy to qualify by joining one of their nonprofit partner organizations. Plus, you’ll earn 5% cash back on gas purchases paid at the pump and .025% on all other purchases, and your cash rewards are automatically awarded to your account every month with no maximum caps.

PenFed Premium Travel Rewards American Express® Card – 4.99% promotional rate for the life of the balance on transfers made by December 31, 2012. There is no balance transfer fee with this offer, and there is no annual fee as well. You must be a PenFed member to apply, and it’s easy to qualify by joining one of their nonprofit partner organizations. Plus, you’ll earn 20,000 bonus points when you spend $650 within the first 3 months of opening, which is redeemable for $200 toward your next round-trip airline ticket.

Take advantage of these low fixed APR balance transfer credit cards to help you pay off your credit card debt.

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