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Best Capital One Balance Transfer Offers
WalletHub makes it easy to find the best Capital One balance transfer card for you.
There are two types of Capital One balance transfer offers: cards offering 0% balance transfer APRs with a balance transfer fee, and cards with no balance transfer fees but APRs of roughly 14% to 25%. Capital One has balance transfer offers for applicants with credit scores ranging from bad to excellent as well as people with limited credit history. But they aren’t all equally attractive (Capital One is WalletHub partner).… show more
Best Capital One Balance Transfer Credit Cards
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- 20,000 miles initial bonus
- Miles equivalent of 1.25% cash back on purchases
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- 3% balance transfer fee
- Potential for a very high regular APR
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Union Plus Credit Card Union Plus Credit Card

- Earn 1.5% cash back on all purchases with no limit to the amount you can earn.
- Get rebates and discounts on AT&T, Teleflora and Car Rentals.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
- No rewards bonus
- Balance transfer fee
- Requires excellent credit
- After 3 months as a cardholder, you may be eligible for hardship grants like Job Loss and Furlough Grants, Strike Grants, Disability Grants and Hospital Grants.
- Mastercard Identity Theft Resolution Services
- Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months or at a promotional APR that you may receive at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.
- See More Details & Reviews About TheUnion Plus Credit Card
Best Balance Transfer Credit Cards of May 2022
The best Capital One balance transfer credit card is the Capital One Quicksilver Cash Rewards Credit Card because it offers an introductory APR of 0% for 15 months on balances transferred to the card. Capital One Quicksilver also has a balance transfer fee of 3% and a $0 annual fee. In fact, the best Capital One balance transfer cards do not charge annual fees (or foreign transaction fees).
Best Balanace Transfer Credit Cards Comparison
Credit Card | Intro APR on Balance Transfers | Balance Transfer Fee | Regular APR |
Capital One Quicksilver Cash Rewards Credit Card | 0% for 15 months | 3% | 15.24% - 25.24% (V) |
Capital One VentureOne Rewards Credit Card | 0% for 15 months | 3% | 15.24% - 25.24% (V) |
Capital One SavorOne Cash Rewards Credit Card | 0% for 15 months | 3% | 15.24% - 25.24% (V) |
Union Plus Credit Card | 0% for 12 months | 3% | 13.15% - 22.99% (V) |
For what it’s worth, Capital One has more credit cards with 0% intro APRs on new purchases than balance transfers. But you can find plenty of cards from other issuers to help reduce the cost of existing debt. Just check out WalletHub’s picks for 2022’s best balance transfer credit cards.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Best Balanace Transfer Credit Cards FAQ
Comparing capital one balance transfer credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
Ask the Experts
To help people better understand Capital One’s place in the balance transfer business, and determine whether a Capital One balance transfer credit card is right for them, we asked a panel of experts to share their thoughts on the following questions. Continue below to meet the experts and read their responses.
- Why doesn’t Capital One offer any credit cards with a 0% introductory balance transfer APR AND no balance transfer fee?
- Why is Capital One known more for travel rewards than 0% APRs?
- What’s your best piece of advice for someone looking for a balance transfer credit card, from Capital One or any other issuer?
Senior Lecturer, Finance, North Carolina State University - Poole College of Management
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Ph.D., Assistant Professor, Business & Economics, Texas Lutheran University
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Ph.D., Assistant Professor of Finance, Fairfield University, Dolan School of Business
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Professor, School of Business & Technology – Southwestern College
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Ph.D., Professor, South Dakota State University, Ness School of Management and Economics
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Sy Syms Professor of Finance, Sy Syms School of Business, Yeshiva University
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