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Need a Long Pause On Interest with Massive Rewards? We’ve Got You

Need a Long Pause On Interest with Massive Rewards? We’ve Got You

These Top Cards Offer 0% Intro APR Until 2027 + Massive Bonus Value

Updated on October 20, 2026

on Capital One's secure site

Bottom Line:

  • Enjoy 0% Intro APR for 15 months

    From account opening on balance transfers and purchases, followed by 18.74% - 28.74% (Variable) APR. Balance transfer fee applies. Pay no interest until 2027!

  • Up to 5x Miles Per Dollar

    The Capital One VentureOne Rewards Credit Card lets you earn unlimited 5X Miles on hotels, vacation rentals and rental cars booked through Capital One Travel and unlimited 1.25 Miles per dollar on every purchase.

  • Score a Bonus Worth $200

    Enjoy 20,000 Miles once you spend $500 on purchases within 3 months from account opening.

  • No Annual Fee

    Spend less with zero annual or upfront fees.

Score financial relief with the Capital One VentureOne Rewards Credit Card. With an APR of 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then an APR of 18.74% - 28.74% (Variable) (Balance transfer fee applies) and 20,000 Miles once you spend $500 on purchases within 3 months from account opening, you can keep more money in your pocket each month while earning massive bonus rewards.

Why We Rate This a Top Balance Transfer Card

Balance transfer credit cards are basically measured by a single standard – value. It's all about how much time they give you to pay down debt without interest and all of the rewards you can earn on everyday spending. By that standard, the Capital One VentureOne Rewards Credit Card's APR of 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months (Balance transfer fee applies) make this card one of the best of any available on the market today. Cardholders earn 5X Miles on hotels, vacation rentals and rental cars booked through Capital One Travel, unlimited 1.25 Miles per dollar on every purchase PLUS 20,000 Miles worth $200 in value after only spending $500 on purchases in the first 3 months of account opening – all these perks with no annual fee. The intro APR is followed by a 18.74% - 28.74% (Variable) APR. Pay no interest until 2027 and earn massive travel rewards!

We recommend this card for people who…

… Want to delay initial interest payments on new purchases until 2027

… Have an existing balance they want to transfer

… Need a time window to pay off their balance before they start paying interest

…Want to earn unlimited Miles on everyday purchases

… Want to earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening – with no annual fee

If you were to apply online for the card today, you’d have until 2027 before you start getting hit with interest charges + can earn a bonus worth $200. It's like taking a 15-month vacation from paying interest that could earn $200 in value for actually taking a vacation!

More than just a balance transfer card

One of the best 0% Intro APR periods on the market is reason enough to say yes to this card. On top of that, Capital One offers a few more perks that make this a must-have among Balance Transfer cards:

  • No annual fee: You'll automatically avoid any annual or upfront fees.
  • Score A Bonus: Enjoy 20,000 Miles once you spend $500 on purchases within 3 months from account opening – valued at $200.
  • Earn Up to 5x Miles per Dollar: The Capital One VentureOne Rewards Credit Card earns 5X Miles on hotels, vacation rentals and rental cars booked through Capital One Travel and unlimited 1.25 Miles per dollar on every purchase. Turn daily spending into a free vacation!
  • No Foreign Transaction Fees: You won't pay a single transaction fee when making purchases outside of the United States using your Capital One VentureOne Rewards Credit Card.

Who Should Get This Card

This card is a great fit for those who want plenty of time to pay down debt or finance a large purchase, without being charged interest, and want to earn massive travel rewards on everyday purchases.

This is why I've personally chosen this card and recommend it to all my friends. This combination of features – the 15-month vacation from paying interest, 5X Miles on hotels, vacation rentals and rental cars booked through Capital One Travel, and unlimited 1.25 Miles per dollar on every purchase PLUS 20,000 Miles once you spend $500 on purchases within 3 months from account opening – all with no annual fee – is too good to pass up. We don't know how much longer they'll be offering it.

Remember, for Balance Transfer cards it's all about value. We suggest not wasting any time waiting to apply for this premier balance transfer card to earn the maximum value. Then take your time to pay down your balance with no additional interest for 15 months.

The Rest of the Best

If the Capital One VentureOne Rewards Credit Card doesn’t feel like the right choice for you, that’s ok. While we feel it’s one of the best balance transfer credit cards on the market right now, perhaps you’re looking for something else. If so, here are our favorite alternatives.