topic Re: Capital One Balance Transfers gone? in Credit Cards

Capital One Balance Transfers gone?

AzCreditGuy — Fri, 03 Jul 2026 19:49:45 GMT

As everyone knows who has Cap 1 and Discover, they are megring on July 27th. And new terms are being sent, but has anyone else experienced the zero fee Balance transfers that Cap 1 had, are now gone? And this message is appearing?

No Balance Transfer Offers Available

Unfortunately, you do not have any balance transfer offers available at this time. Balance transfer eligibility is determined by Capital One at our discretion. Eligibility for offers change from time to time, based on a large number of factors.

If this is a new account, available offers may appear once the account is at least 11 days old.

If you are seeing this message but recently received an offer, you became ineligible after the offer was sent. We are unable to provide any additional information, although please feel free to check again in the future as your status may change.

I just used a BT for Cap 1 in June and paid it fully off....I dont consider the merger great as I only received 1 BT offer at 0% APR and that was it, they never offered me another in the 7 years I have had the card

Re: Capital One Balance Transfers gone?

AzCreditGuy — Fri, 03 Jul 2026 20:21:39 GMT

Just got off the phone with a rep who stated the BT offers are limited lol I opened this account back in 2015 and this BT offer has been there ever since. I assume this has to do with Discover merger and Cap 1 tightening down on assets

Re: Capital One Balance Transfers gone?

delaney1 — Fri, 03 Jul 2026 21:04:16 GMT

@AzCreditGuy wrote:
As everyone knows who has Cap 1 and Discover, they are megring on July 27th. And new terms are being sent, but has anyone else experienced the zero fee Balance transfers that Cap 1 had, are now gone? And this message is appearing?

No Balance Transfer Offers Available
Unfortunately, you do not have any balance transfer offers available at this time. Balance transfer eligibility is determined by Capital One at our discretion. Eligibility for offers change from time to time, based on a large number of factors.
If this is a new account, available offers may appear once the account is at least 11 days old.
If you are seeing this message but recently received an offer, you became ineligible after the offer was sent. We are unable to provide any additional information, although please feel free to check again in the future as your status may change.

I just used a BT for Cap 1 in June and paid it fully off....I dont consider the merger great as I only received 1 BT offer at 0% APR and that was it, they never offered me another in the 7 years I have had the card

I've never seen a zero fee BT offer from Capital One. Years ago the transfer fee was 2% and it's gradually gone up from there. Both my QS and Savor are currently offering me a 12 mo BT at 0% interest with a 4% transfer fee. These offers are pretty much always available on my accounts since they just keep extending the date to respond to the offer.

Re: Capital One Balance Transfers gone?

Zoostation1 — Fri, 03 Jul 2026 22:17:20 GMT

@delaney1 @AzCreditGuy I regularly have 0% BT offers on a Savor card (had one last time I checked a week ago), and occasionaly on VX, but none have been no fee. My QS never gets BT offers, but I wonder if having started as a QS1 is part of the reason.

Re: Capital One Balance Transfers gone?

Tdatb64 — Sat, 04 Jul 2026 00:07:34 GMT

I've never had a 0% BT offer on either my Savor or Quicksilver. I did just take advantage of one on my Discover Cash Back a month and a half ago.

Re: Capital One Balance Transfers gone?

TrapLine — Sat, 04 Jul 2026 00:10:52 GMT

Add my name to the list. Received BT offers from Discover regularily. Rates ranged 2% Fee to 5% Fee with most at 3%. Two months ago my BTs were gone and I got the same message you did.

Zeroed my Discover Rewards and quit using the Discover Card last month. Suspect a transition and Apr increase. Ready to close the account as it really does not fit my spend pattern.

Going on when Capital One bought several banks back around 2008 (include several cards I had) they increased the 7.9% fixed rates to 23.9% variable. Contacted them as I had stellar performance and they told me to buzz off. I closed six Cap1 personal accounts and two business accounts. Never looked back.

There are so many good financials in the market today, I do not need to be nit picked over usage, credit limits and aprs, not to mention triple pulls for credit.

All that said, Capital One offers some good products today compared to 2008.

Re: Capital One Balance Transfers gone?

AzCreditGuy — Sat, 04 Jul 2026 17:24:15 GMT

Let me explain as it seems I may have had a product that some dont have with Cap 1....

1st of all discovery offered me a 0% APR 2 years ago so I was wrong, but since paying that off zero BT offers for me with them. I do keep the balance at zero most of the time and do use the card, but nowhere near extreme. So they might holding back due to me using the card I should be giving them cash back the 19% apr lol

Now my Cap 1 card has had a 0% BT fee since 2015, the catch is its a 27% apr BT if I keep the balance monthly, unless I pay it off in 25 days.

I always pay the card off, when I do. I think maybe I was never supposed to have this feature or they decided, what are we doing giving mobey away for free, when we can charge a 5% BT fee.....

Re: Capital One Balance Transfers gone?

Vinjints — Sat, 04 Jul 2026 18:16:30 GMT

How is that considered a BT? I mean I guess technically you're transferring a balance, but not in the sense of most every other BT with a lower apr.

Re: Capital One Balance Transfers gone?

GZG — Sat, 04 Jul 2026 21:01:01 GMT

@AzCreditGuy wrote:
As everyone knows who has Cap 1 and Discover, they are megring on July 27th. And new terms are being sent, but has anyone else experienced the zero fee Balance transfers that Cap 1 had, are now gone? And this message is appearing?

No Balance Transfer Offers Available
Unfortunately, you do not have any balance transfer offers available at this time. Balance transfer eligibility is determined by Capital One at our discretion. Eligibility for offers change from time to time, based on a large number of factors.
If this is a new account, available offers may appear once the account is at least 11 days old.
If you are seeing this message but recently received an offer, you became ineligible after the offer was sent. We are unable to provide any additional information, although please feel free to check again in the future as your status may change.

I just used a BT for Cap 1 in June and paid it fully off....I dont consider the merger great as I only received 1 BT offer at 0% APR and that was it, they never offered me another in the 7 years I have had the card

cap1 BTs have been highly targeted and not the normal for most customers I'd have to imagine

Re: Capital One Balance Transfers gone?

TrapLine — Sun, 05 Jul 2026 04:15:02 GMT

Wondering ... today I found Discover offered me BTs again.

There are two forms. One where you pay a fee of 5% and 0% interest for 10 months or a cash advance that is 27.49% put into a bank account that is not available on the account.

As mentioned, if you have purchases you end up paying interest on your purchases after the interest free grace period. The BT is broken out separate on the statement.

Used to use Discover BTs a couple times a year for large purchases and home improvements. Worked well. My current Apr is 14.49% after the BT 0% expires. Problem I have is how Capital One will handle once they migrate my account. Dealt with Cap1 in the past and I have a different view on banking than they do. In short, I would close the account. Not sure what to do? Also, do not need a BT.

Re: Capital One Balance Transfers gone?

AndrewF — Mon, 06 Jul 2026 07:14:20 GMT

@TrapLine wrote:
Add my name to the list. Received BT offers from Discover regularily. Rates ranged 2% Fee to 5% Fee with most at 3%. Two months ago my BTs were gone and I got the same message you did.

Zeroed my Discover Rewards and quit using the Discover Card last month. Suspect a transition and Apr increase. Ready to close the account as it really does not fit my spend pattern.

Going on when Capital One bought several banks back around 2008 (include several cards I had) they increased the 7.9% fixed rates to 23.9% variable. Contacted them as I had stellar performance and they told me to buzz off. I closed six Cap1 personal accounts and two business accounts. Never looked back.

There are so many good financials in the market today, I do not need to be nit picked over usage, credit limits and aprs, not to mention triple pulls for credit.

All that said, Capital One offers some good products today compared to 2008.

Capital One's business model approves almost anyone with a pulse.

A few years after filing bankruptcy, they give you more cards with the same limits.

Some people have said they give new credit cards to people they're actively suing.

When you're dealing with that sort of lender, they're not going to just let you keep your 7.9% APR. It's not how their model works.

Re: Capital One Balance Transfers gone?

TrapLine — Mon, 06 Jul 2026 15:07:17 GMT

@AndrewF wrote:
@TrapLine wrote:
Add my name to the list. Received BT offers from Discover regularily. Rates ranged 2% Fee to 5% Fee with most at 3%. Two months ago my BTs were gone and I got the same message you did.

Zeroed my Discover Rewards and quit using the Discover Card last month. Suspect a transition and Apr increase. Ready to close the account as it really does not fit my spend pattern.

Going on when Capital One bought several banks back around 2008 (include several cards I had) they increased the 7.9% fixed rates to 23.9% variable. Contacted them as I had stellar performance and they told me to buzz off. I closed six Cap1 personal accounts and two business accounts. Never looked back.

There are so many good financials in the market today, I do not need to be nit picked over usage, credit limits and aprs, not to mention triple pulls for credit.

All that said, Capital One offers some good products today compared to 2008.

Capital One's business model approves almost anyone with a pulse.

A few years after filing bankruptcy, they give you more cards with the same limits.

Some people have said they give new credit cards to people they're actively suing.

When you're dealing with that sort of lender, they're not going to just let you keep your 7.9% APR. It's not how their model works.

Yess, aware of how Capital One's model works. Go back to the 1990's with them. Also, lived through the 2008 merger rage with them. Ended up with six personal accounts and two business accounts.

Understanding how I deal with financials, I closed all eight accounts in one fell swoop (2008). Never looked back.

The merger of Discover Financial Services and Capital One Financial Services causes me to consider closing the Discover Account. The difference is, Capital One Financial Services today has some good mid-range and higher-end cards. So for some, they do work.

Re: Capital One Balance Transfers gone?

Gollum — Mon, 06 Jul 2026 16:11:22 GMT

@AzCreditGuy wrote:
Just got off the phone with a rep who stated the BT offers are limited lol I opened this account back in 2015 and this BT offer has been there ever since. I assume this has to do with Discover merger and Cap 1 tightening down on assets

I discovered that I have balance transfer offers from Capital One for my Quicksilver. In the "OFFER DETAILS" each offer says "Transfer a balance at the same rate as your purchases, currently 19.15% variable, without paying a transfer fee."

Using the Capital One website with my web browser, while looking at my Quicksilver "OVERVIEW," if I mouse over "Offers & upgrades" then click on "View offers and upgrades" there is nothing about balance transfers in the result. However, if I mouse over "Offers & upgrades" then click on "Transfer a balance" the result shows two balance transfer offers that appear to be identical to each other. If I click on "More Info" for the first offer a popup for "Terms & Conditions" appears. In the "Terms & Conditions" answer to the question "What kinds of balances can I transfer?" the answer includes "... you may not be able to complete a balance transfer to an account that Capital One acquires or is in the process of acquiring." That may not be relevant to your situation, but I thought it was interesting.

The Capital One offers seem a little weird/broken to me. For example, if I use the "secret URL" I see "You're eligible for a rewards upgrade or change" (to VentureOne or Venture), and those offers have been available to me for the past five months. If I don't use the Capital One "secret URL" I don't see those offers to "upgrade or change."

Re: Capital One Balance Transfers gone?

SeanA — Mon, 06 Jul 2026 23:17:40 GMT

They probably just want to make sure the behind the scenes stuff goes smoothly before adding in that wrinkle. Balance transfer offers will return.

Re: Capital One Balance Transfers gone?

portlandmusician — Tue, 07 Jul 2026 18:49:22 GMT

@AzCreditGuy I'm on the opposite side of this. Cap1 never sent me 0% balance transfer offers until recently. Now I'm getting sent them monthly. I had one that expired in June, one that expires in July, and one that expires in August - regarding accepting it: 12 months, 0% APR, 4% balance transfer fee. If they keep this up and have one that runs into October, I'll take 'em up on it

But, they never offered me balance transfer offers prior, and now, all-of-a-sudden, they're hitting me up with them.

Re: Capital One Balance Transfers gone?

AzCreditGuy — Tue, 07 Jul 2026 22:05:57 GMT

@Gollum wrote:
@AzCreditGuy wrote:
Just got off the phone with a rep who stated the BT offers are limited lol I opened this account back in 2015 and this BT offer has been there ever since. I assume this has to do with Discover merger and Cap 1 tightening down on assets
I discovered that I have balance transfer offers from Capital One for my Quicksilver. In the "OFFER DETAILS" each offer says "Transfer a balance at the same rate as your purchases, currently 19.15% variable, without paying a transfer fee."

Using the Capital One website with my web browser, while looking at my Quicksilver "OVERVIEW," if I mouse over "Offers & upgrades" then click on "View offers and upgrades" there is nothing about balance transfers in the result. However, if I mouse over "Offers & upgrades" then click on "Transfer a balance" the result shows two balance transfer offers that appear to be identical to each other. If I click on "More Info" for the first offer a popup for "Terms & Conditions" appears. In the "Terms & Conditions" answer to the question "What kinds of balances can I transfer?" the answer includes "... you may not be able to complete a balance transfer to an account that Capital One acquires or is in the process of acquiring." That may not be relevant to your situation, but I thought it was interesting.

The Capital One offers seem a little weird/broken to me. For example, if I use the "secret URL" I see "You're eligible for a rewards upgrade or change" (to VentureOne or Venture), and those offers have been available to me for the past five months. If I don't use the Capital One "secret URL" I don't see those offers to "upgrade or change."

Correct that is the one I am talking about ..."Transfer a balance at the same rate as your purchases, currently 19.15% variable, without paying a transfer fee.".....I use to have that and used it a lot and paid the BT off before it even gained interest and I did the same thing as you and I show I dont have any offers and they removed my BT ability

Re: Capital One Balance Transfers gone?

AndrewF — Tue, 07 Jul 2026 23:31:57 GMT

They're getting out ahead of this thing and making sure people don't transfer a balance to Capital One for 18 months at 0% interest 4% fee when they're in the process of snatching you in from Discover at a normal credit card rate.

I mean, it's what I would do. That portfolio from Discover is full of people who aree really bad with money and owe Discover a lot and can't pay in full, at high interest rates. Capital One isnn't going to risk some of those people slipping out of 20-30-ish percent interest for 18 months.

That would make the portfolio less appealing. I've never seen a bank that offers a balance transfer promo on a portfolio they already own.

The reason banks offer them is to get people who are in trouble with other banks who will eventually be profitable for their bank.

Re: Capital One Balance Transfers gone?

TrapLine — Wed, 08 Jul 2026 00:03:14 GMT

@AndrewF wrote:
They're getting out ahead of this thing and making sure people don't transfer a balance to Capital One for 18 months at 0% interest 4% fee when they're in the process of snatching you in from Discover at a normal credit card rate.

I mean, it's what I would do. That portfolio from Discover is full of people who aree really bad with money and owe Discover a lot and can't pay in full, at high interest rates. Capital One isnn't going to risk some of those people slipping out of 20-30-ish percent interest for 18 months.

That would make the portfolio less appealing. I've never seen a bank that offers a balance transfer promo on a portfolio they already own.

The reason banks offer them is to get people who are in trouble with other banks who will eventually be profitable for their bank.

Where are you coming up with all this information on Discover? I have been around Discover and Novus since 1986 and used many BTs. I seriously doubt they have any more a risky portfolio members than Capital One. Both are known for helping people out so they both could be risky. Bring us some facts as I am interested, but not in conjecture.

Re: Capital One Balance Transfers gone?

Namaste7 — Thu, 09 Jul 2026 20:21:13 GMT

My Discover BT offers disappeared a few weeks ago and then recently reappeared. IIRC, the prior BT offers were 15 months at 6.99 with no fee and a year at 0% with a fee. Now, it’s a 10-month offer with a 5% fee. I don’t have open accounts with CapOne at the moment, so it’ll be interesting to see what happens after the account transfers.

Re: Capital One Balance Transfers gone?

AzCreditGuy — Wed, 05 Aug 2026 15:20:39 GMT

Just an FYI all balance transfers have been removed my Cap 1 and Discover cards after the merger online. I dont really use these accounts anyways but further proof to me, to sock drawer these cards