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Chase balance transfer credit cards

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

Chase has removed balance transfer offers for new credit card applications. But other card providers still offer balance transfer 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.

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:

  • 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. However, none of their cards currently offer intro APRs on transfers. 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 thanks to its $0 intro fee on transfers made within the first 60 days (after that, there’s typically a fee of $5 or 5% per transfer). It currently isn’t available for new applications, though.


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.
  • 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.

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.
A top alternative for a balance transfer
Citi® Diamond Preferred® Card

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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