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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.

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
Chase Slate® credit card
N/A
0% intro for the first 15 months (then 16.49% to 25.24% variable)
$0
Enjoy a 60 days introductory balance transfer offer, save on interest, and get your free monthly credit score.
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See issuer's website
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Chase Freedom Unlimited®
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.49% to 25.24% variable)
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.
Chase Freedom®
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 16.49% to 25.24% variable)
$0
Earn $150 cash back after spending $500 in the first 3 months from account opening.
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Compare up to 4 providers

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi Simplicity® Card
0% intro for the first 21 months (then 14.74% to 24.74% variable)
$5 or 5% of the transaction, whichever is greater
670
With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
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
670
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
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.
Citi® Diamond Preferred® Card
0% intro for the first 21 months (then 13.74% to 23.74% variable)
$5 or 5% of the transaction, whichever is greater
670
A market-leading balance transfer intro APR of 21 months and 12 months on purchases. Plus Citi Entertainment℠ for deals on dining and going out.
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
670
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
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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 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 14.74% to 24.74% 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 25.24% 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

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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.

Consider a top card from another brand

Citi® Diamond Preferred® Card

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% 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 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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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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