Save with a balance transfer credit card
Capital One balance transfer credit cards may help you save on interest and pay off debt.
Save with a balance transfer credit card
Capital One balance transfer credit cards may help you save on interest and pay off debt.
Which Capital One balance transfer credit card is best for you?
Balance transfer fee applies. See pricing and terms for details. 1
| Quicksilver Rewards | VentureOne Rewards | SavorOne Rewards |
|---|---|---|
Read all 6,412 reviews | Read all 6,595 reviews | Read all 1,827 reviews |
| REWARDS | ||
| Earn unlimited 1.5% cash back on every purchase, every day | Earn unlimited 1.25 miles per dollar on every purchase, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel | Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. 2 Earn 8% cash back on Capital One Entertainment purchases. 3 |
| NEW CARD MEMBER OFFER | ||
| Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening 4 | Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening 4 | Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening 4 |
| CREDIT LEVEL | ||
| EXCELLENT | EXCELLENT | EXCELLENT |
| PURCHASE RATE | ||
| 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that | 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that | 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that |
| TRANSFER INFO | ||
| 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that; Balance transfer fee applies. See pricing and terms for details | 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that; Balance transfer fee applies. See pricing and terms for details | 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that;Balance transfer fee applies. See pricing and terms for details |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
Card Details Apply Now | Card Details Apply Now | Card Details Apply Now |
What is a balance transfer?
A balance transfer lets you move unpaid debt—like credit card balances, personal loans, student loans and car loans—from one or more accounts to a new or different card. Balance transfers could come in handy for:
Saving on interest
Transferring a balance to a credit card with a low or 0% promotional APR could allow you to pay off debt with little or no interest.
Simplifying payments
A balance transfer could consolidate multiple debts into a single monthly payment.
Paying off debt faster
Owing less interest on your balances could reduce your monthly costs—and help you repay debt faster.
Is a balance transfer a good idea?
A balance transfer could make it easier to manage debt. But is it right for you? Here are a few things to consider:
You may have cardholder perks
A balance transfer card may offer perks—like 0% introductory APR or no annual fee—that could help you save big. Some cards even let you earn rewards in the form of cash back, miles and more.
You could improve your credit score
Simply transferring a balance to an existing card won’t affect your score. But using your card responsibly—by making on-time payments and paying down the balance—could help boost your credit score over time.
Your promotional rate could expire
If you choose a card with a promotional rate for transfers, keep in mind that the rate will go up when the promotional period expires. Make sure you know what the APR will be once the promotional rate expires, especially if you won’t pay off the balance in full during that time.
You could potentially face fees
You may be charged a fee for some balance transfers. Check the offer terms carefully.
Balance Transfer FAQs
How do balance transfers work?
A balance transfer lets you move debt from one or more accounts to another. Transferring high-interest debt to a credit card with a low or 0% introductory APR may help you consolidate payments, save on interest and pay off debt faster.
What types of balances could I transfer?
You could transfer balances from other credit cards, personal loans, student loans and auto loans.But you can't transfer a balance from one Capital One card to another card issued by Capital One or any of its affiliates or subsidiaries.
How much can I transfer to a Capital One credit card?
The total amount of your transfer, including any applicable fees, can’t exceed your card’s credit limit. You may find this information within your Balance Transfer offer.
How can I request a balance transfer?
You may typically request a balance transfer for a new or existing Capital One credit card online or over the phone. You may need to provide some information about the account you’d like to move the debt from and the amount you’d like to transfer.
How long does a balance transfer take?
It typically takes 3–14 days to complete a balance transfer to a Capital One card. That said, you may need to keep making payments on your existing balances until the transfer is complete.
Do balance transfers hurt your credit?
With responsible use, a balance transfer could help you save on interest and pay off debt, which may improve your credit over time. But applying for a credit card may trigger a hard inquiry, which could cause a temporary drop in scores.
Will I qualify for a Capital One balance transfer credit card?
Applicants may need excellent credit to qualify for a balance transfer card with a low or 0% introductory APR. VantageScore® states that excellent credit scores range from 750 to 850.
You could still qualify for a balance transfer card even if your credit score falls outside of that range.Getting pre-approved could help you see which cards you’re eligible for before you apply.
How can I find the best balance transfer credit card?
Taking these steps could help you find the right card for you:
1. Decide which balances you want to transfer and note each account’s current interest rate and payment terms.
2. Compare different cards, including the length of the introductory offer, the regular APR and any fees that come with each card. Some cards also offer perks—like cash back rewards or travel miles.
3. Getting pre-approved could help you see which cards you may qualify for before you apply. You could see results in as little as 60 seconds—and it won’t harm your credit score.
4. After you find the card that fits your needs, you can submit an application. You can typically do this step online. You may need to provide some basic details—like your full name, address, income and Social Security number.
5. Once your application is approved and the balance transfer is complete, you could start working toward paying down your debt.
When used responsibly, a balance transfer credit card may be a great tool for tackling high-interest debt. Thinking about transferring a balance? You could compare Capital One cards to learn more.
1
Savings vary based on account usage and payment behavior.
2
The 3% grocery store earn rate excludes superstores like Walmart® and Target®
3
The 8% cash back on Capital One Entertainment purchases includes tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor or SavorOne card. The 8% excludes: (i) tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.
4
Card offers with a cash or miles rewards bonus are available by clicking the "Apply Now" button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous accountholders.
