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 many of them 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.

As with all balance transfer credit cards, it is important to understand that once you make your balance transfers according to the introductory offer terms, you should not make any other transactions, as you may otherwise end up paying unnecessary interest charges.

This is because payments are applied to balances with lower APRs (including balances with promotional or introductory APRs) before balances with higher APRs, and if you have balances or incur charges at higher APRs, you will pay more in finance charges, because payments will not be applied to higher APR balances until all lower APR balances are paid in full.

So it is important to use these cards only for paying off your balance transfers, and if a particular card also offers an introductory rate on purchases, then you’ll want to make sure that you pay off the portion of your account balance related to purchases made during that introductory offer before the offer expires, or you may otherwise end up incurring higher interest rates on your purchases while your payments go towards your low fixed APR balance transfers.

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.

It’s also important to understand that although many of these are business cards, you don’t necessarily have to be a business owner to apply for these cards. You can simply use your personal name for the business name on the card and your social security number in place of a business tax ID, which makes these balance transfer cards a great option for home-business owners or those who are just looking to consolidate their credit card debt.

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 consumer and business credit cards offer low fixed APRs on balance transfers for the life of the loan with no balance transfer fees.

Consumer Cards with no Balance Transfer Fees

Clear from American Express

Clear From American Express®

The Clear from American Express card has a 5.99% fixed APR for the life of the loan on balance transfers submitted during the application, and there is no balance transfer fee with this offer.

Read our article on the Clear from American Express.

Business Cards with No Balance Transfer Fees

Advanta Life of Balance Platinum Card

Advanta Life-of-Balance Platinum Card

The Advanta Life of Balance Platinum Card has a 2.99% fixed APR for the life of the loan on balance transfers made within the first 3 months, and there is no balance transfer fee with this offer.

Read our article on the Advanta Business Credit Cards.

Blue for Business from American Express

Blue for Business® from American Express

The Blue for Business from American Express card has a 4.99% fixed APR for the life of the balance transfer on balance transfers submitted with the application or within 45 days of membership, and there are no balance transfer fees with this offer.

Read our article on the Blue for Business from American Express Credit Card.

American Express Platinum Business Credit Card

Platinum Business Credit Card from OPEN^SM The Small Business Team

The American Express Platinum Business Credit Card has a 4.99% fixed APR for the life of the balance on balance transfers submitted with the application or posted to your account during the first 45 days of membership, and there is no balance transfer fee with this offer.

American Express Platinum Business FreedomPass Card

Platinum Business FreedomPass® Credit Card from OPEN^SM the Small Business Team

The American Express Platinum Business FreedomPass Card has a 7.99% fixed APR for the life of the balance if the balance transfer is made within the first 6 months, and there is no balance transfer fee with this offer.

Read our article on the American Express FreedomPass Business Card.

American Express SimplyCash Business Card

SimplyCash® Business Card from American Express

The American Express SimplyCash Business Card has a 7.99% fixed APR for the life of the transferred balance if the balance transfer is made during the first six months, and there is no balance transfer fee with this offer.

Read our article on the American Express SimplyCash Business Card.

Blue Cash for Business Credit Card

Blue Cash® for Business Credit Card

The Blue Cash for Business Credit Card has a 7.99% fixed APR for the life of the loan on balance transfers submitted during the first 6 months of membership, and there is no balance transfer fee with this offer.

Low Fixed APR Balance Transfer Cards

The following consumer credit cards offer low fixed APRs on balance transfers for the life of the loan; however, they do have balance transfer fees.

Consumer Cards

Blue from American Express

Blue from American Express®

The Blue from American Express has a 4.99% fixed APR for the life of the balance transfer on balances transferred during the application process; however, there is a balance transfer fee with this offer.

Blue Cash from American Express

Blue Cash® from American Express

The Blue Cash from American Express has a 4.99% fixed APR for the life of the balance on balance transfers submitted with the application; however, there is a balance transfer fee with this offer.

Blue Sky from American Express

Blue Sky from American Express

The Blue Sky from American Express has a 4.99% fixed APR for the life of the loan on balances transferred on the application; however, there is a balance transfer fee with this offer.

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

Check out these 0% APR Balance Transfer Credit Cards as well if you would prefer to make interest-free balance transfers.

Thanks and enjoy maximizing your money.