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Capital One balance transfer credit cards

Capital One offers a range of cards with 0% balance transfer offers.

Most Capital One cards allow balance transfers — and for no fee as well. And even better, Capital One has added several intro APR offers on balance transfers back to select cards, all of which were removed at the beginning of 2020.

Compare Capital One balance transfer credit cards

Capital One offers excellent credit cards for all tastes — there are secured cards for building credit, student cards, cashback cards and travel cards. But if you’re looking for an intro APR on balance transfers, your only options are select rewards cards.

Capital One balance transfer benefits

Consider making a balance transfer with Capital One if these benefits resonate with you.

  • Balance transfer intro APRs. Capital One may offer balance transfer intro APRs that last up to 15 months. However, the issuer periodically removes these promotional interest rates, so check each card’s terms to make sure.
  • No annual fee. This helps lower the overall cost of your balance transfer.
  • Potentially low ongoing APR. If you have excellent credit, you’ll likely qualify for a low ongoing purchase and balance transfer APR with cards such as the Capital One SavorOne Cash Rewards Credit Card, which is as low as a 17.99% variable.
  • Rewards. Capital One SavorOne Cash Rewards Credit Card offers strong rewards even after your intro APR expires — notably, 3% cash back on dining and entertainment. Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases.
  • Balance transfer fee promotions. Capital One usually charges a 3% balance transfer fee for transfers you make during the intro period. But transfers made outside the intro APR period aren’t assessed a fee, but accrue interest immediately.

Capital One balance transfer drawbacks

Here’s why Capital One may not be the best balance transfer provider for you:

  • Few options for balance transfer intro APR. Only three cards tend to offer balance transfer intro APRs: the Capital One SavorOne Cash Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit Card. What’s more, Capital One doesn’t always offer promotional rates for these products.
  • 10-day waiting period. After account opening, there’s generally a 10-day waiting period before you can make a balance transfer request. Many other providers let you request balance transfers as you apply for your card.

Capital One Quicksilver Cash Rewards Credit Card

Finder rating 4.2 / 5 ★★★★★

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on Capital One's secure site
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The Capital One Quicksilver Cash Rewards Credit Card is an excellent cashback card with an unlimited 1.5 cash back on all purchases. What's more, you get to earn a decent signup bonus and use a long intro APR period on purchases.

Capital One SavorOne Cash Rewards Credit Card

Finder rating 4.5 / 5 ★★★★★

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on Capital One's secure site
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This is one of the best credit cards for earning rewards on dining and entertainment. Plus, you get to earn a decent signup bonus and you won't pay an annual fee.

Capital One VentureOne Rewards Credit Card

Finder rating 3.5 / 5 ★★★★★

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on Capital One's secure site
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The VentureOne Rewards credit card not only received an improved version of its old intro APR offer, but received a rewards boost as well. It now earns 5x miles on hotels and rental cars booked through Capital One Travel and benefits greatly from Capital One's new 1:1 ratio transfer tiers for airline partners.

How to apply for a balance transfer with Capital One

To transfer a balance on a Capital One card, you’ll need to receive approval for the card first. To apply, you’ll need to be least 18 years old, and have a valid Social Security number or taxpayer ID. Here’s how it works.

  1. Choose a Capital One card and check its balance transfer details. Read the product’s terms near the bottom of the card page. Verify the intro APR, if applicable, and the range of ongoing APRs. Then choose Apply now.
  2. Fill out the application. Complete the form with information such as your name, address, contact details, employment status and annual income.
  3. Look for a balance transfer checkbox. If given the option, select Yes under If approved, do you plan to transfer any balances from other non-Capital One credit cards? You’ll have the opportunity to request a transfer after you’re approved.
  4. Wait for approval. In many cases, you’ll receive an immediate decision on your application. If Capital One needs to review your application further, look for a decision within seven to 10 business days.
  5. Wait several days before requesting a transfer. According to Capital One, you can request a transfer 10 days after account opening.
  6. Request a balance transfer. Log in to your Capital One online account, or call the number on the back of your card and speak with a representative. You’ll need information such as the number of your old card account and how much you wish to transfer.
  7. Wait for your balance transfer to complete. Keep paying your current creditors until your balance transfer is done. This will help you avoid late fees and hits to your credit score. According to Capital One, a transfer usually takes three to 14 days.

Some conditions may make you ineligible to apply, including:

  • Your monthly income doesn’t exceed your monthly rent or mortgage payment by $425.
  • You’re incarcerated.
  • You’ve applied for a Capital One product two or more times in the last 30 days.
  • You have five or more open card accounts with Capital One.
  • One of your Capital One card accounts is past due or over limit.
  • One of your Capital One cards has been charged off within the past year. Learn more about charge-offs and debt collection in our quick guide.
  • You have a nondischarged, or unresolved, bankruptcy.

What debts are eligible for a balance transfer with Capital One?

Transfer debt from

  • Non-Capital One credit cards.
  • Other balances such as personal loans, student loans and auto loans.

You can’t transfer debt from

  • Capital One-issued accounts.

Can I transfer balances to another Capital One card?

No. You also can’t transfer balances from these cobranded Capital One-issued products:

  • Bass Pro Shops CLUB
  • Cabela’s
  • Kohl’s
  • Sony
  • GM
  • BuyPower Card
  • Union Plus
  • Teamster Privilege

Providers typically use balance transfer offers to lure customers from other banks. If you’re already a Capital One customer, there’s no need for the bank to spend money to acquire your business — hence the lack of balance transfer options.

I got the card. Now what?

  • Close existing accounts if you wish. Call existing providers to close accounts you’ve transferred balances out of. Note that this may lower your credit score because it changes your utilization ratio.
  • Make a plan to pay off your transfer. Consider paying off your transfer before your intro APR expires. You can clear your debt more easily by breaking your balance down into monthly payments.
  • Make payments on time. This will help you avoid late fees and, in certain cases, loss of your intro APR. Consider setting up automatic payments.
  • Contact customer support. If you have questions about your balance transfer, call the number on the back of your card. Or, call 800-227-4825 or tweet the bank @AskCapitalOne.

Alternatives to Capital One balance transfer cards

If you’re not interested in any of the Capital One cards that possess balance transfer intro offers, you may want to consider other credit card options.

  • U.S. Bank Visa® Platinum Card. This card has one of the longest 0% intro APR period on both balance transfers and purchases you can currently get. On the downside, you won’t earn any rewards on your purchases.
  • Citi® Diamond Preferred® Card. Citi’s flagship balance transfer card has returned to a 21-month offer, bringing it back into the spotlight as a great choice for saving interest on your debt.
  • Citi® Double Cash Card. This card also has a very long 0% intro APR period. But that’s not the only feature that makes this card great. Once you pay off your balance, you can earn 2% cash back on all purchases — 1% back when you make the purchase and 1% back when you pay it off.
  • Wells Fargo Propel American Express® Card. Aside from getting a decent 0% intro APR period on balance transfers, you also get to earn a higher rewards rate on dining and various travel purchases. If you’re willing to sacrifice a few months of an interest-free period, you can get a solid rewards credit card.

Bottom line

While only three Capital One cards come with intro APRs, they are excellent cards, offering rewards and strong 0% intro APR periods.

If you’re not sure a Capital One card is best for you, consider other cards for balance transfers.

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