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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 Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
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Chase Freedom Unlimited®
0% intro for the first 15 months (then 12.99% to 24.74% variable)
$5 or 3% of the transaction, whichever is greater
Earn a $200 signup bonus after spending $500 in the first 3 months from account opening.
Chase Freedom®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Intro fee of $5 or 3% of the transaction, whichever is greater for the first 60 days (then $5 or 5%)
Earn $200 cash back after spending $500 in the first 3 months from account opening.

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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.

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:

  • 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

What are the benefits and drawbacks 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.)


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 a longer balance transfer intro APR, try the Citi® Diamond Preferred® Card. It offers a 0% intro APR for a stellar 18 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 24.74% 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.

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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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 from a Chase card to a Chase card?

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

Balance transfer option

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.

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