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10 Great Balance Transfer Cards With a Welcome Bonus of October 2026

October, 2026

Balance transfer cards with a welcome bonus let you pay down debt at 0% intro APR and earn a bonus for spending on new purchases. Just make sure the spending requirement fits your budget so you don't add to your balance.

What to know before chasing a bonus on a balance transfer card

Debt payoff comes first. A welcome bonus is worth far less than the interest you'd pay if the balance isn't cleared during the intro period.

Only spend what you would anyway. Meeting a bonus requirement with purchases you can't pay off defeats the purpose.

Check whether purchases get 0%. If not, new spending could accrue interest while you pay down the transferred balance.

See your approval odds

No impact to your credit score. We don't save any of the information used to generate your approval odds.

1-min

Our pick for: Welcome bonus + rotating bonus categories
Chase Freedom Flex®
NerdWallet rating
5.0
Add to compare
Apply Nowon Chase's website
on Chase's website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
18.49%-27.99% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$250
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
5%
Cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Cash back on travel purchased through Chase Travel℠.
1%
Cash back on all other purchases.
Card details
Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
New Benefit! Earn rewards worldwide with no foreign transaction fees
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
View Rates & Fees
NerdWallet's take
The Chase Freedom Flex® rewards people who like to track categories, with high cash back in a rotating lineup. You can pay down a balance and pick up a bonus on spending you'd do anyway.
Pros
0% intro APR on balance transfers for 15 months, and on purchases: 0% intro APR on purchases for 15 months.
Welcome offer: A cash bonus when you meet the spending requirement in the first 3 months.
Earns bonus cash back in categories that rotate each quarter (activation required), plus extra on travel booked through Chase, dining and drugstores.
No minimum to redeem cash back.
Annual fee: $0.
Cons
Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
You have to activate the bonus categories each quarter, and bonus earnings are capped.
Read full review
Our pick for: Welcome bonus + choose-your-category cash back
Bank of America® Customized Cash Rewards credit card
NerdWallet rating
4.2
Add to compare
Apply Nowon Bank of America's website
on Bank of America's website
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Regular APR
17.74%-27.74% Variable APR
Annual fee
$0
Rewards rate
1%-6%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
6%
Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
3%
Cash back in the category of your choice after the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Cash back on all other purchases.
Card details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card lets you pick where you earn the most cash back. It pairs time to pay off debt with a reward for new cardholders.
Pros
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days, and on purchases: 0% intro APR on Purchases for 15 billing cycles.
Welcome offer: A cash rewards bonus when you meet the spending requirement in the first 90 days.
Earns bonus cash back in a category you choose, plus at grocery stores and wholesale clubs, up to a quarterly cap.
Bank of America Rewards members can earn more cash back.
Annual fee: $0.
Cons
Balance transfer fee: 3% for 60 days from account opening, then 5%
Bonus cash back is capped each quarter.
Read full review
Our pick for: Welcome bonus + cash back on everything
Citi Double Cash® Card
NerdWallet rating
4.9
Add to compare
Apply Nowon Citibank's application
on Citibank's application
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
N/A
Regular APR
18.49%-28.74% Variable APR
Annual fee
$0
Rewards rate
2%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
2%
Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Card details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
View Rates & Fees
NerdWallet's take
The Citi Double Cash® Card earns a strong flat rate on everything without any categories. Use the intro period for your balance and your regular spending for the bonus.
Pros
0% intro APR on balance transfers for 18 months.
Welcome offer: A cash back bonus when you meet the spending requirement in the first 6 months.
Earns cash back on every purchase: once when you buy and again as you pay.
Annual fee: $0.
Cons
Balance transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
The intro APR applies to balance transfers only, not purchases.
Balance transfers don't earn cash back.
Read full review
Our pick for: Welcome bonus + everyday cash back
Blue Cash Everyday® Card from American Express
NerdWallet rating
4.9
Add to compare
Apply Nowon American Express' website
on American Express' website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 15 months from the date of account opening
Purchase intro APR
0% intro APR on purchases for 15 months from the date of account opening
APR
19.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
As High as $200 cash back. Find Out Your Offer.
Recommended credit
Good - Excellent
Rewards breakdown
3%
Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
3%
Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).
3%
Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).
1%
Cash Back on other purchases.
Card details
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
View Rates & Fees
NerdWallet's take
The Blue Cash Everyday® Card from American Express pays extra where many households spend most: groceries, online shopping and gas. You can pay down a balance and pick up a bonus on spending you'd do anyway.
Pros
0% intro APR on balance transfers for 15 months from the date of account opening, and on purchases: 0% intro APR on purchases for 15 months from the date of account opening.
Welcome offer: A cash back welcome offer when you meet the spending requirement; offers vary and you may not be eligible.
Earns bonus cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, up to an annual cap.
A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.
Annual fee: $0.
Cons
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
American Express isn't accepted at as many merchants as Visa or Mastercard.
Bonus cash back is capped each year.
Read full review
Our pick for: Welcome bonus + all-around cash back
Chase Freedom Unlimited®
NerdWallet rating
5.0
Add to compare
Apply Nowon Chase's website
on Chase's website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
18.49%-27.99% Variable APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
5%
Cash back on travel purchased through Chase Travel℠.
3%
Cash back on drugstore purchases.
3%
Cash back on dining at restaurants, including takeout and eligible delivery services.
1.5%
Cash back on all other purchases.
Card details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
View Rates & Fees
NerdWallet's take
The Chase Freedom Unlimited® is an easy everyday card: no categories to track, with a few bonus areas. It pairs time to pay off debt with a reward for new cardholders.
Pros
0% intro APR on balance transfers for 15 months, and on purchases: 0% intro APR on purchases for 15 months.
Welcome offer: A cash bonus when you meet the spending requirement in the first 3 months.
Earns cash back on every purchase, with more on travel booked through Chase, dining and drugstores.
No minimum to redeem cash back.
Annual fee: $0.
Cons
Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee: 3% of each transaction in U.S. dollars
Read full review
Our pick for: Welcome bonus + quarterly cash back + first-year match
Discover it® Cash Back
NerdWallet rating
4.9
Add to compare
Apply Nowon Capital One's website
on Capital One's website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
18.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™ + $200 Statement Credit
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
5%
Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Cash back on all other purchases.
Card details
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% to 28.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening
UNLIMITED CASHBACK MATCH: Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
Redeem cash back for any amount. No annual fee
Terms and conditions apply
View Rates & Fees
NerdWallet's take
The Discover it® Cash Back can effectively double your first year of cash back with its automatic match. Use the intro period for your balance and your regular spending for the bonus.
Pros
0% intro APR on balance transfers for 15 months, and on purchases: 0% intro APR on purchases for 15 months.
Welcome offer: Discover automatically matches all the cash back you earn in your first year.
Earns bonus cash back in categories that change each quarter (activation required), plus cash back on everything else.
Redeem cash back for any amount.
Annual fee: $0.
Cons
Balance transfer fee: 0% at the Transfer APR; 3% for the first 15 months; 5% at a promotional APR that Capital One may offer to you at any other time.
Bonus categories are capped each quarter.
Discover isn't accepted as widely outside the U.S.
Read full review
Our pick for: Welcome bonus + dining, entertainment and grocery cash back
Capital One Savor Cash Rewards Credit Card
NerdWallet rating
5.0
Add to compare
Apply Nowon Capital One's website
on Capital One's website
Rates & Fees
Balance transfer intro APR
0% intro on balance transfers for 12 months; balance transfer fee applies
Purchase intro APR
0% intro on purchases for 12 months
Regular APR
18.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-8%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
8%
Cash back on Capital One Entertainment purchases.
5%
Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
3%
Cash back on dining.
3%
Cash back on entertainment.
3%
Cash back on popular streaming services.
3%
Cash back at grocery stores (excluding superstores like Walmart® and Target®).
1%
Cash back on all other purchases.
Card details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
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
0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
View Rates & Fees
NerdWallet's take
The Capital One Savor Cash Rewards Credit Card pays extra on going out, groceries and streaming with no categories to activate. You can pay down a balance and pick up a bonus on spending you'd do anyway.
Pros
0% intro on balance transfers for 12 months; balance transfer fee applies, and on purchases: 0% intro on purchases for 12 months.
Welcome offer: A one-time cash bonus when you meet the spending requirement in the first 3 months.
Earns unlimited bonus cash back at grocery stores (excluding superstores), on dining, entertainment and popular streaming services, plus on everything else.
No foreign transaction fees, and cash back doesn't expire for the life of the account.
Annual fee: $0.
Cons
Balance transfer fee: Balance transfer fee applies
Requires good to excellent credit.
Read full review
Our pick for: Welcome bonus + high grocery cash back
Blue Cash Preferred® Card from American Express
NerdWallet rating
5.0
Add to compare
Apply Nowon American Express' website
on American Express' website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 12 months from the date of account opening
Purchase intro APR
0% intro APR on purchases for 12 months from the date of account opening
APR
19.74%-28.74% Variable APR
Annual fee
$0 intro annual fee for the first year, then $95
Rewards rate
1%-6%
Cashback
Intro offer
As High as $300 cash back. Find Out Your Offer.
Recommended credit
Good - Excellent
Rewards breakdown
6%
Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
Cash Back on select U.S. streaming subscriptions.
3%
Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1%
Cash Back on other purchases.
Card details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
View Rates & Fees
NerdWallet's take
The Blue Cash Preferred® Card from American Express is built for big grocery and streaming budgets, which can more than cover its annual fee. It pairs time to pay off debt with a reward for new cardholders.
Pros
0% intro APR on balance transfers for 12 months from the date of account opening, and on purchases: 0% intro APR on purchases for 12 months from the date of account opening.
Welcome offer: A cash back welcome offer when you meet the spending requirement; offers vary and you may not be eligible.
Earns elevated cash back at U.S. supermarkets (up to an annual cap) and on select U.S. streaming subscriptions, plus at U.S. gas stations and on transit.
A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.
Cons
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Has an annual fee after the first year: $0 intro annual fee for the first year, then $95
American Express isn't accepted at as many merchants as Visa or Mastercard.
Read full review
Our pick for: Welcome bonus + flat-rate cash rewards
Wells Fargo Active Cash® Card
NerdWallet rating
5.0
Add to compare
Apply Nowon Wells Fargo's website
on Wells Fargo's website
Rates & Fees
Balance transfer intro APR
0% intro APR for 12 months from account opening on qualifying balance transfers
Purchase intro APR
0% intro APR for 12 months from account opening on purchases
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$100
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
2%
Unlimited Cash rewards on purchases.
Card details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
View Rates & Fees
NerdWallet's take
The Wells Fargo Active Cash® Card earns a strong flat rate on everything, so there's nothing to manage. Use the intro period for your balance and your regular spending for the bonus.
Pros
0% intro APR for 12 months from account opening on qualifying balance transfers, and on purchases: 0% intro APR for 12 months from account opening on purchases.
Welcome offer: A cash rewards bonus when you meet the spending requirement in the first 3 months.
Earns unlimited flat-rate cash rewards on purchases, with no categories to track.
Cash rewards don't expire while your account is open.
Annual fee: $0.
Cons
Balance transfer fee: 3% intro for 120 days from account opening, then up to 5%, min: $5
No bonus categories.
Foreign transaction fee: 3%
Read full review
Our pick for: Welcome bonus + flat-rate cash back
Capital One Quicksilver Cash Rewards Credit Card
NerdWallet rating
4.6
Add to compare
Apply Nowon Capital One's website
on Capital One's website
Rates & Fees
Balance transfer intro APR
0% intro on balance transfers for 15 months; balance transfer fee applies
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
18.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
5%
Cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
1.5%
Cash back on every purchase, every day.
Card details
Earn a 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
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
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
0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
View Rates & Fees
NerdWallet's take
The Capital One Quicksilver Cash Rewards Credit Card keeps rewards simple with the same cash back rate on everything. You can pay down a balance and pick up a bonus on spending you'd do anyway.
Pros
0% intro on balance transfers for 15 months; balance transfer fee applies, and on purchases: 0% intro on purchases for 15 months.
Welcome offer: A one-time cash bonus when you meet the spending requirement in the first 3 months.
Earns unlimited flat-rate cash back on every purchase, plus more on hotels, vacation rentals and rental cars booked through Capital One Travel.
No foreign transaction fees, and cash back doesn't expire for the life of the account.
Annual fee: $0.
Cons
Balance transfer fee: Balance transfer fee applies
No bonus categories outside Capital One Travel.
Read full review

Compare the Best Balance Transfer Bonus Credit Cards

Credit card	NerdWallet rating	Intro APR	Regular APR	Rewards rate	Learn more
Chase Freedom Flex® Apply Nowon Chase's website on Chase's website Rates & Fees	5.0/5 Best for Welcome bonus + rotating bonus categories	0% intro APR on Purchases and Balance Transfers for 15 months	18.49%-27.99% Variable APR	1%-5% Cashback	Apply Nowon Chase's website on Chase's website Rates & Fees
Bank of America® Customized Cash Rewards credit card Apply Nowon Bank of America's website on Bank of America's website	4.2/5 Best for Welcome bonus + choose-your-category cash back	0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days	17.74%-27.74% Variable APR	1%-6% Cashback	Apply Nowon Bank of America's website on Bank of America's website
Citi Double Cash® Card Apply Nowon Citibank's application on Citibank's application Rates & Fees	4.9/5 Best for Welcome bonus + cash back on everything	0% intro APR on balance transfers for 18 months	18.49%-28.74% Variable APR	2%-5% Cashback	Apply Nowon Citibank's application on Citibank's application Rates & Fees
Blue Cash Everyday® Card from American Express Apply Nowon American Express' website on American Express' website Rates & Fees	4.9/5 Best for Welcome bonus + everyday cash back	0% intro APR for 15 months on purchases and balance transfers	19.74%-28.74% Variable APR	1%-3% Cashback	Apply Nowon American Express' website on American Express' website Rates & Fees
Chase Freedom Unlimited® Apply Nowon Chase's website on Chase's website Rates & Fees	5.0/5 Best for Welcome bonus + all-around cash back	0% intro APR on Purchases and Balance Transfers for 15 months	18.49%-27.99% Variable APR	1.5%-5% Cashback	Apply Nowon Chase's website on Chase's website Rates & Fees
Discover it® Cash Back Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.9/5 Best for Welcome bonus + quarterly cash back + first-year match	0% intro APR for 15 months on purchases and balance transfers	18.74%-28.74% Variable APR	1%-5% Cashback	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Savor Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	5.0/5 Best for Welcome bonus + dining, entertainment and grocery cash back	0% intro APR for 12 months on purchases and balance transfers; balance transfer fee applies	18.74%-28.74% Variable APR	1%-8% Cashback	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Blue Cash Preferred® Card from American Express Apply Nowon American Express' website on American Express' website Rates & Fees	5.0/5 Best for Welcome bonus + high grocery cash back	0% intro APR for 12 months on purchases and balance transfers	19.74%-28.74% Variable APR	1%-6% Cashback	Apply Nowon American Express' website on American Express' website Rates & Fees
Wells Fargo Active Cash® Card Apply Nowon Wells Fargo's website on Wells Fargo's website Rates & Fees	5.0/5 Best for Welcome bonus + flat-rate cash rewards	0% intro APR for 12 months from account opening on purchases and qualifying balance transfers	18.74%, 24.74%, or 28.74% Variable APR	2% Cashback	Apply Nowon Wells Fargo's website on Wells Fargo's website Rates & Fees
Capital One Quicksilver Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.6/5 Best for Welcome bonus + flat-rate cash back	0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies	18.74%-28.74% Variable APR	1.5%-5% Cashback	Apply Nowon Capital One's website on Capital One's website Rates & Fees

10 Great Balance Transfer Cards With a Welcome Bonus of October 2026

What to know before chasing a bonus on a balance transfer card

Our pick for: Welcome bonus + rotating bonus categories

Our pick for: Welcome bonus + choose-your-category cash back

Our pick for: Welcome bonus + cash back on everything

Our pick for: Welcome bonus + everyday cash back

Our pick for: Welcome bonus + all-around cash back

Our pick for: Welcome bonus + quarterly cash back + first-year match

Our pick for: Welcome bonus + dining, entertainment and grocery cash back

Our pick for: Welcome bonus + high grocery cash back

Our pick for: Welcome bonus + flat-rate cash rewards

Our pick for: Welcome bonus + flat-rate cash back

Compare the Best Balance Transfer Bonus Credit Cards