Capital One may be best known for its unique commercials, but there is a lot more you need to learn. For example, this credit card company has a long standing reputation for having some of the best balance transfer offers in the business.
Founded in 1994, Capital One has been providing a high level of service for more than 20 years. With revenue of more than $25 billion and 45,000+ employees, it’s easy to see that the company is doing something right.
When it comes to balance transfers, Capital One has a variety of offers to consider.
As you begin to learn more, answer questions such as:
Which Capital One balance transfer credit card is best?
How long does it take for the transfer to be initiated?
What are the terms and conditions of the offer?
Once you answer these questions, you can decide if Capital One is the right company. You can also make an informed decision as to which offer will best improve your financial situation.
Getting Started
If you are interested in a Capital One balance transfer, you can start the process in one of two ways:
Transfer your balance via the internet.
Contact the Capital One customer service team for assistance.
Either way, make sure you are equipped with details such as:
Your current balance.
Your account number.
The amount that you want to transfer (if not the whole thing).
For those who need help, it’s best to contact a Capital One customer service agent who can walk you through the process.
Understand the Terms and Conditions
Since no two balance transfer offers are the same, you need to fully understand the terms and conditions before moving forward. Focus on details such as:
The length of the introductory rate.
The fees associated with the offer.
Penalties, including reasons your rate could be canceled.
Choose Capital One
Capital One is not the only credit card company with multiple balance transfer offers, but it has a reputation for being one of the best. By comparing the 10+ available offers, you can soon decide which one will suit you best.
Credit Cards Similar to Capital One Balance Transfers
Barclaycard Ring® Mastercard®
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply. Within 45 days of account opening for Within 45 days of account opening null*
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Unlimited 1.5% Cash Back on your purchases.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
$0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
Earn unlimited 2X miles on every purchase
NEW – Control Your Card – Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
Get 5% miles back to use toward your next redemption, every time you redeem
No foreign transaction fees
International Chip and PIN for use at self-service chip terminals around the world
Miles don’t expire as long as your account is open, active and in good standing
Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% – 25.15%, based on your creditworthiness
Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
Earn Points on Every Purchase! It’s simple: $1 = 1 Point
No Annual Fee
Select Your Rewards Your Way
Conclusion
You don’t have to choose Capital One for your balance transfer, but there is a good chance you will like what you find.
Just the same as any credit card company, you don’t want to move forward with Capital One until you are comfortable doing so. Fortunately, this won’t take long!
Having trouble finding a balance transfer card? We would love to show you more balance transfers, however banks control which cards are allowed on certain pages. We recommend that you view balance transfer credit cards at CreditWeb for more options.
Choose a Balance Transfer credit card and apply now!