Fixed APR credit cards carry a fixed (stable) interest rate that typically lasts for as long as you use the card. For example, if you transfer a balance to a credit card with a fixed APR of 9.9%, the APR for this balance will typically stay at this 9.9% level until the balance is paid in full.

Some credit cards offer a fixed APR on only purchases, some offer a fixed APR on only balance transfers and some offer a fixed APR on both purchases and balance transfers. Many people choose a fixed APR card to ease the burden of constantly switching balances from one card to another once low intro APRs disappear and higher APRs take over.

Every credit card is a bit different and promotional offers often change, so be sure to thoroughly look over the terms and conditions for each specific card before applying.

How do I apply for a credit card?
Why should I have a credit card?
How long does it take to get a credit card application decision?
Can I apply for more than one credit card?
Do I need to have an existing bank account with the bank I want to apply for a credit card with?
What is an introductory (or intro) APR?
I have bad credit - Can I still get a credit card and which one can I apply for?
What is a balance transfer and/or balance transfer rate?
What is a balance transfer fee?
What is a fixed APR credit card?
What is an instant approval or instant decision credit card?
What is a rewards credit card?
What is a cash back credit card?
I am a student - Which credit cards can I apply for?
What is a prepaid card?