As a result of the credit crunch, we currently have no fixed APR for life balance transfer credit card offers available.  Major credit card companies pulled fixed for life offers from the market about two years ago.  Since then, credit card companies have been offering variable rate credit cards with 0% interest rates lasting between 6 and 18 months.

Below you can compare the longest 0% balance transfer offers, which are presently the closest one can get to a fixed APR for life offer.

Longest 0% APR Credit Card Offers

CITI® PLATINUM SELECT® MASTERCARD®

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee*

Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed 0% for 18 Months* 0% for 18 Months* 11.99%-21.99% Variable* None Good

DISCOVER® MORE® CARD

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed 0% for 15 Months* 0% for 15 Months* 11.99% - 20.99% (Variable)* None Good

CITI® DIAMOND PREFERRED® CARD

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.* 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*

Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed 0% for 18 Months* 0% for 18 Months* 11.99%-21.99%* Variable* None Good

CITI® DIVIDEND PLATINUM SELECT® VISA® CARD - $100 CASH BACK

$100 cash back after $500 in purchases within the first 3 months of account opening. 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com. Full 1% cash back on all other purchases and eligible cash advances No Annual Fee*

Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed 0%* for 12 months** 0%* for 12 months** 12.99% - 22.99%* (Variable) * None * Good