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.