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Capital One balance transfer credit cards
Get a solid intro APR on balance transfers for 15 months.
Capital One cards that offer 0% intro APRs and strong rewards are fan favorites.
Compare Capital One balance transfer credit cards
Many Capital One cards don’t have intro balance transfer APR offers, but they do have no-balance-transfer-fee offers. Because of that, your transfer might cost less at the beginning, but you could pay a lot in interest.
At the time of this writing, Capital One offers two cards with intro balance transfer APRs: the Capital One® SavorOne℠ Cash Rewards Credit Card and Capital One® Quicksilver® Cash Rewards Credit Card.
What are the benefits of a balance transfer with Capital One?
Consider making a balance transfer with Capital One if these benefits resonate with you.
Strong balance transfer intro APRs.
Find balance transfer intro APRs that last up to 15 months.
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 for Capital One® SavorOne℠ Cash Rewards Credit Card or Capital One® Quicksilver® Cash Rewards Credit Card, which is as low as a 16.24% 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 offers no balance transfer fees for transfers you make at the normal APR. But transfers made outside the intro APR period accrue interest immediately.
What are the drawbacks of a balance transfer with Capital One?
Here’s why Capital One may not be the best balance transfer provider for you:
Very few cards offer a balance transfer intro APR.
Only two cards offer balance transfer intro APRs: the Capital One® SavorOne℠ Cash Rewards Credit Card and Capital One® Quicksilver® Cash Rewards Credit Card.
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.
What debts are eligible for a balance transfer with Capital One?
You can transfer debt from …
- Non-Capital One credit cards.
- Other balances such as auto or personal 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
- 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.
You may be eligible to apply for a Capital One card if:
- You’re at least 18 years old.
- You have a valid Social Security number or taxpayer ID.
Some conditions may make you ineligible, including:
- Your monthly income doesn’t exceed your monthly rent or mortgage payment by $425.
- Your address is in a correctional institution.
- 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.
- You have a nondischarged, or unresolved, bankruptcy.
What do I need to apply?
Here’s what you’ll need for a Capital One application:
- Full name
- Date of birth, Social Security number and citizenship status
- Residential address, email address and primary phone number
- Employment status, total annual income, monthly rent or mortgage, checking or savings account status and credit card spend per month
How to apply for a balance transfer with Capital One
- Choose a Capital One card and check its balance transfer details. You can see the product’s terms near the bottom of the card page. Verify the intro APR and the range of ongoing APRs.
- Apply for the card. Complete the form with information such as your name, address, contact details, employment status and annual income. Select “Yes” under “If approved, do you plan to transfer any balances from other non-Capital One credit cards?”
While you can’t request a balance transfer on your application, you may have the opportunity after you’re approved.
- Wait until you’re allowed to request a balance transfer. Typically, you can request a balance transfer 10 days after you’re approved for a card. Call the number on the back of your card and speak with a Capital One representative to start the transfer.
- 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.
How long will it take to complete a balance transfer with Capital One?
A transfer usually takes three to 14 days.
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. You can also call 800-227-4825 or tweet the bank @AskCapitalOne.
While only two Capital One cards offer intro APRs, they come with rewards and strong 0% intro APR periods.
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