A balance transfer can take anywhere from two days to six weeks. It depends on multiple factors, including the card issuers of both cards and whether you're a new cardholder for the balance transfer card. Capital One takes about 10 business days. Bank of America, Discover, and U.S. Bank all take up to 14 days or two weeks. Chase and Citi take up to 21 days. These are maximums, so in many cases, your balance will transfer more quickly.