U R @: Education Center : Balance Transfers : Fixed APR Balance Transfer Credit Cards

FIXED APR BALANCE TRANSFER CREDIT CARDS

As a direct result of the credit crunch, major credit card issuers stopped offering fixed APR for life balance transfer offers to consumers in September.  Prior to September, it was possible to get a 2.99% fixed APR for life from Advanta or a 3.99% APR for life from American Express.

Today, credit card companies are unwilling to offer fixed rates for life to Americans (although these offers are still available to Canadian residents).  Consequently, consumers looking to save money on interest and lock in lower rates are left with two options:  wait for the economy to improve or get a credit card that offers a 0% APR for 1 year and a low interest rate, then refinance again when the 0% period expires or fixed APR credit cards return to the market.  Of these two options, the best option available is to take advantage of 0% rates now, while they are still available, as it may be years before fixed rate credit cards return to the market.

Below are the most popular 0% credit cards with consumers who visit Smart Credit Choices.  With either of these cards, you can get a 0% APR for up to 1 year.  At the end of that period, you can seek out another card for balance transfers or possibly find a fixed APR for life credit card.

DISCOVER® MORE® CARD

0% APR on Balance Transfers for a FULL 12 months 0% APR on Purchases for a FULL 6 months 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more Up to 1% unlimited Cashback Bonus on all other purchases automatically Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners Instant Response within 60 seconds No Annual Fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0%* * 6 Months* * as low as 11.99% Variable* * None * Excellent

CITI® PLATINUM SELECT® MASTERCARD®

0% APR* on balance transfers and purchases for up to 15 months Editor's Tip: See application for complete terms and conditions on 0% rates No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% * Up to 15 Months * As Low as 11.99% Variable* * None * Good

Compare all 0% Balance Transfer Credit Cards

CREDIT CARD OFFERS: Best Credit Cards | Best Reward Credit Cards | Visa Credit Card Offers | Instant Credit Card Applications | 0% APR Credit Cards | 0% Balance Transfer Credit Cards |Best Credit Card Offers | Compare Credit Cards | Credit Card Applications | Free Online Credit Reports | No Balance Transfer Fees | Free Credit Scores |Site Map | Credit Cards Blog | About Us | Privacy Policy | Contact Us | Terms and Conditions | Credit Card Offers