Chase balance transfer credit cards

If you need to move debt from another credit card, a Chase balance transfer card might not be the best option for you. They used to offer healthy intro APRs, but currently only allow balance transfers at the standard APR.

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Name	Product	Amount saved	Balance transfer APR	Balance transfer fee	Recommended minimum credit score	Filter values
Citi® Diamond Preferred® Card			0% intro for the first 18 months (then 14.74% to 24.74% variable)	$5 or 3% of the transaction, whichever is greater	740		An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card			0% intro for the first 18 months (then 13.99% to 23.99% variable)	$5 or 3% of the transaction, whichever is greater	740		Get a strong 18 month 0% intro APR on balance transfers AND up to 2% back. This is a rare card that offers both rewards and balance transfers.	Apply now View details	Compare	loading Fetching your data...
TD Cash Credit Card			0% intro for the first 15 months (then 12.99%, 17.99% or 22.99% variable)	$5 or 3% of the transaction, whichever is greater	680		3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See issuer's website		300		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...
Citi Rewards+℠ Card			0% intro for the first 15 months (then 13.49% to 23.49% variable)	$5 or 3% of the transaction, whichever is greater	740		Get a strong 15 month 0% intro APR on balance transfers AND up to 2x points. This is a rare card that offers both rewards and balance transfers.	Apply now View details	Compare	loading Fetching your data...

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How to apply for a balance transfer with Chase

1. Pick a Chase card and check its balance transfer details.
   Check the card’s intro APR, and verify whether you’ll pay transfer fees.
2. Apply for the card.
   You may be able to request balance transfers on your card application. If this is the case, you’ll need the account number of your existing debt and the amount you want to transfer.
   Note that approval isn’t guaranteed, and Chase may deny you for a card and for a balance transfer.
3. See if you’re approved for the card.
   If you weren’t allowed to make a transfer previously, log in to your online Chase account and make your request. Alternatively, call Chase support at 800-432-3117.
4. Wait for your balance transfer to complete.
   You’re still responsible for making payments on your debt until your transfer has posted. Keep track of your existing payments to avoid damage to your credit score.
5. Keep track of your balance transfer details.
   Confirm your intro APR and note when it ends. Also, confirm your card’s ongoing APR.

How to do a Chase balance transfer online

1. Log in to your online Chase account.
2. Click the Pay & transfer tab, then click Card balance transfers.
3. From the dropdown menu, choose the Chase card you want to make a transfer to.
4. Choose an available offer.
5. Verify your card information.
6. Complete your balance transfer request with information such as the card with your existing debt and how much you wish to transfer.
7. Confirm your details and submit your request.

How to do a Chase balance transfer over the phone

1. Call the phone number on the back of your Chase card.
2. Inform the representative that you want to make a balance transfer.
3. If necessary, confirm your identity and account details.
4. Give transfer information to the representative, including details of the card with your existing debt and how much you wish to transfer.
5. Confirm the details of the transfer with the representative and complete your request.

How long will it take to complete a balance transfer with Chase?

According to Chase, most transfers are processed within a week. However, transfers can take up to 21 days to complete.

How much will I pay to make a balance transfer with Chase?

You’ll typically pay $5 or 5% of each transfer, whichever is greater. However, select cards charge the greater of $5 or 3%.

Eligibility requirements

Chase is one of the largest banks in the United States, and its cards are generally very accessible. You’re typically eligible to apply for a Chase card if you meet these requirements:

• 18 years of age or older (19 in Alabama and Nebraska; 21 in Puerto Rico)
• Valid Social Security number or Taxpayer Identification Number

What do I need to apply?

Here’s the information you’ll need for an application:

What are the benefits and drawbacks of a balance transfer with Chase?

Which Chase card should I pick for a balance transfer?

At the time of this writing — while much of the world is still dealing with the pandemic — no Chase card offers a 0% intro balance transfer APR. This means Chase isn’t a particularly good choice for transfers right now.

Before the pandemic, Chase offered a few cards with promotional APRs on balance transfers. Additionally, the issuer offered the Chase Slate® credit card, which came with an intro APR and a balance transfer fee promotion.

Bottom line: If you need to make a balance transfer right now, consider a different provider.

Alternatives to Chase balance transfer credit cards

Here are a few top-notch balance transfer cards that are available at the time of this writing:

• Citi Simplicity® Card. Citi consistently offers among the best balance transfer intro APRs, and this card is one reason why. You’ll also find no late fees with this card.
• Citi® Double Cash Card. This card offers excellent cash back — 1% on all purchases and another 1% as you pay them off — as well as a balance transfer intro APR.
• U.S. Bank Visa® Platinum Card. For quite a while now, this card has been offering superb intro APRs on both purchases and balance transfers.

Consider a balance transfer card from another brand

Citi® Diamond Preferred® Card

• 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
• Get free access to your FICO® Score online.
• With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
• Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
• The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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What debts are eligible for a balance transfer with Chase?

Can I transfer balances from a Chase card to a Chase card?

Unfortunately, you can’t transfer balances from one Chase card to another.

Why is this? Because providers offer balance transfers to entice customers from other banks. If you’re a Chase customer, the bank sees no need to spend more promotional dollars to get you on board.

When providers offer lucrative intro APRs, they’re losing out on a lot of interest that a customer might otherwise accrue. But the temporary loss in profits could be worth it when the customer racks up interest in a year or two.

How does credit card interest work?

I got the card. Now what?

• Confirm your balance transfer has posted. You can see the balance transfer in your card transaction history. Call Chase support if you’re unsure whether the transfer has completed.
• Make timely payments. Create a plan to pay off your transfer before your intro APR expires.
  Set up automatic payments to ensure you pay your card bill on time. Chase may revoke your intro APR if you submit a late or returned payment, or if you exceed your credit limit.
• Contact customer service. If you have questions about your balance transfer, call 800-432-3117. You can also contact the bank via Twitter @ChaseSupport.

Bottom line

Chase offers a few excellent cards for balance transfers. They’re especially good options because of their strong intro APRs.

If you’re not sure a Chase card is best for your balance transfer, consider cards from other providers such as Barclaycard and Discover. Or compare balance transfer offers.

Frequently asked questions

• What is the maximum balance transfer I can make to a Chase card?

  The total amount of your transfer request — including interest and fees — must be $15,000 or lower. It can’t exceed your available credit.

• What if I don't pay off my balance transfer by the time the intro APR expires?

  Your balance will start accruing interest at your card’s ongoing APR. For Chase cards, your ongoing purchase and balance transfer APR can potentially be as high as 26% variable.

• How do I make a balance transfer after I've submitted my application?

  Call the number on the back of your card and speak to a Chase representative.