Chase balance transfer credit cards

Some Chase personal cards offer intro APRs for up to 15 months.

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If you need to move debt from another credit card, consider a Chase balance transfer card. They offer healthy intro APRs, and the Chase Slate® credit card will waive the balance transfer fee for a limited time.

Our pick for a Chase balance transfer card

Chase Freedom Unlimited®

  • Earn $150 after spending $500 in the first 3 months.
  • Earn unlimited 1.5% cash back on all purchases.
  • Use a 0% intro APR period on purchases and balance transfers in your first 15 months; a variable APR of 16.74% – 25.49% applies thereafter.
  • No annual fee.
  • No cash back redemption minimum.
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Compare Chase balance transfer credit cards

Try the Chase Slate® credit card if you want to avoid balance transfer fees for a limited time. Try the Chase Freedom Unlimited® credit card or Chase Freedom® credit card if you want rewards.

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn $150 cash back after spending $500 in the first 3 months from account opening.
N/A
0% intro for the first 15 months (then 16.99% to 25.74% variable)
$0
Enjoy a 60 days introductory balance transfer offer, save on interest, and get your free monthly credit score.

Compare up to 4 providers

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
3%
670
Earn unlimited 1.5% cash back on every purchase, every day.
0% intro for the first 15 billing cycles (then 16.74% variable)
$5 or 3% of the transaction, whichever is greater
670
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
3%
670
Earn $150 after spending $500 in the first 3 months.
0% intro for the first 12 months (then 14.74% to 25.74% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
See issuer's website
300
Can't decide on a card? Get personalized credit card offers with CardMatch™.

Compare up to 4 providers

What are the benefits of a balance transfer with Chase?

Here’s why Chase is a well-known balance transfer provider:

Strong intro APR periods.

You’ll typically find up to a 15-month intro APR on Chase’s personal balance transfer cards. Industry-wide, intro APR periods typically top out at around 20 months.

One card has a balance transfer fee offer.

The Chase Slate® credit card is consistently cited as one of the best balance transfer cards. You’ll pay $0 in fees on transfers you make within the first 60 days. (After that, you’ll pay a fee of $5 or 5% per transfer.)

What are the drawbacks of a balance transfer with Chase?

Chase can be a great choice for balance transfers, but here’s why it might not be right for everyone.

You’ll find better intro APR periods elsewhere.

If you’re looking for the longest balance transfer intro APR, try the Citi Simplicity® Card. It offers a 0% intro APR for a stellar 12 months on balance transfers. After that, a 16.49% to 26.49% variable APR applies.

You may have a very high ongoing APR.

The Chase Freedom Unlimited® credit card, for example, has an upper-range ongoing balance transfer APR of 25.49% variable. Strongly consider paying off your balance transfer before your intro APR expires.

The Chase Slate® credit card doesn’t offer rewards.

It has a great intro APR period and 60 days of no balance transfer fees. But because it doesn’t offer rewards, it might not be as useful after its intro APR expires.

How hard is it to get approved by Chase for a credit card balance transfer?

As is common with credit card providers, Chase is selective when approving balance transfer requests. The bank wants to see you’re a responsible borrower so it won’t lose money if it takes on your debt.

If you have a high credit utilization ratio, you’re unlikely to be approved for a balance transfer. You may also be denied if your credit score is good but close to fair.

A balance transfer may not be the best choice if you plan on moving a large amount of debt. You might not be approved for the credit limit you’re hoping for. And according to some customers, it’s difficult to get a substantial credit limit increase with a Chase card.

What debts are eligible for a balance transfer with Chase?

What debt can I transfer?
  • Debt from non-Chase credit cards
What debt can’t I transfer?
  • Debt from a Chase credit card
  • Personal or government loans

Can I transfer balances to another 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?

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

Traveler's desktop with laptop, luggage, credit card and airline tickets

What do I need to apply?

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

  • Full name
  • Mailing address, phone number and email address
  • Date of birth, mother’s maiden name and Social Security number or Taxpayer Identification Number
  • Total gross annual income and primary source of income
  • Your residence status
  • Optional: Information for authorized users, balance transfer details

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 can request balance transfers on your card application. You’ll need the account number of your existing debt and the amount you want to transfer. You can also always request a transfer later by calling Chase support.
    Note that Chase may deny you for a card and for a balance transfer.
  3. 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 hits to your credit score.
  4. Keep track of your balance transfer details.
    If you’re approved, Chase will send you terms for your card. Confirm your intro APR and note when it ends. Also, confirm your card’s ongoing APR.

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.

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

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