How to do a balance transfer with Chase
Editor's Note
A balance transfer can be a smart way to manage credit card debt, especially if you can take advantage of a 0% introductory APR. Chase offers several credit cards that support balance transfers, but there are some key rules and limitations to keep in mind before getting started.
Whether you're moving debt to a new Chase card or an existing one, here's how to transfer a balance with Chase and what to keep in mind along the way.
Related: Do balance transfers affect your credit score?
Can I transfer a balance with a Chase card?
Yes, you can transfer a balance to a Chase credit card (either a new or existing account). However, you can't transfer balances between two Chase cards.
This means if you're carrying a balance on one Chase card, you'll need to look at other issuers for a balance transfer opportunity.
How to transfer a balance to a new Chase card
If you're applying for a new Chase card that offers an introductory 0% APR on balance transfers, you can request the transfer during your application or within the first 60 days of opening the account.
Here's how it works:
- Apply and get approved for a Chase card that supports balance transfers.
- Request the balance transfer by providing details such as:
- The name of your current card issuer
- Your account number
- The amount you'd like to transfer
- Wait for the transfer process, which typically takes 7-21 days.
To qualify for promotional 0% APR offers, balance transfers must be initiated within 60 days of account opening.
How to transfer a balance to an existing Chase card
Already have a Chase card with a promotional balance transfer offer? You can request a transfer online, through the Chase mobile app or by phone. Here’s how:
- Log in to your Chase account online or via the app.
- Select your card, then look for the option to start a balance transfer.
- Enter the required information about the card you're transferring from.
- Review and accept the terms, then submit your request.
- Online and app-based requests are usually the quickest.
Related: How to do a balance transfer
Chase card balance transfer FAQs
Here are the answers to some common questions about Chase balance transfers:
Can I do a balance transfer between Chase cards?
No. Chase does not allow you to transfer the balance from one Chase card or product to another.
How much can I balance transfer to Chase?
You can transfer up to your available credit limit. Additionally, Chase generally caps balance transfers at $15,000 within 30 days.
How much does a balance transfer cost with Chase?
- Within the first 60 days of opening a new Chase card: Chase charges $5 or 3% of the amount being transferred, whichever is greater.
- After 60 days: $10 or 5%, whichever is greater.
How long does a balance transfer take with Chase?
Balance transfers with Chase can take a week to 21 days to post.
How to check the status of your Chase balance transfer
As mentioned, Chase states that balance transfers can take anywhere from a week to 21 days to be completed. Remember that the time frame depends on how quickly the other card issuer processes the transfer request.
With that in mind, there are ways to check on the status of your transfer request. You can log in to your Chase account and check if the transfer has been posted. If you don’t see the balance displayed on your credit card account, you can contact Chase Card Customer Service at 1-800-432-3117.
Lastly, you can always check with the card issuer sending the transfer to determine if your balance has been paid. Remember that you must continue to make payments on any cards with other issuers until the balance transfer has been processed.
Related: Simple rules to stay out of credit card debt
Best Chase cards for balance transfers
Chase has three great balance transfer cards, all with no annual fee. These cards also offer a special promotional 0% APR on balance transfers. Here’s a closer look at each card.
Chase Freedom Flex
Annual fee: $0.
Welcome offer: None; this card is currently unavailable to new applicants.
Why we like it: The Chase Freedom Flex® (see rates and fees) has a generous 15-month promotional 0% APR introductory period on balance transfers and purchases (a variable APR of 18.49% to 27.99% after).
This card also earns 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter you actviate, 5% cash back on Chase Travel℠, 3% cash back on dining (including takeout and delivery) and drugstores and 1% cash back on all other purchases. Not to mention, when you pair this card with Chase Ultimate Rewards, you can convert your cash back to Ultimate Rewards.
For more information, read our full review of the Chase Freedom Flex.
Apply here: Chase Freedom Flex®
Chase Freedom Unlimited
Annual fee: $0.
Welcome offer: Earn a $300 bonus after you spend $500 on purchases in the first three months after opening an account.
Why we like it: The Chase Freedom Unlimited® (see rates and fees) has a generous 15-month promotional 0% APR introductory period on balance transfers and purchases (a variable APR of 18.49% to 27.99% after). This card also earns unlimited 1.5% cash back on all purchases.
For more information, read our full review of the Chase Freedom Unlimited.
Apply here: Chase Freedom Unlimited
Chase Slate Edge
Annual fee: $0.
Welcome offer: None.
Why we like it: New Chase Slate Edge℠ cardholders receive an extended 18-month promotional 0% APR offer for purchases and balance transfers (a variable APR of 18.49% to 28.49% after). You can also lower your interest rate by 2%.
For more information, read our full review of the Chase Slate Edge.
The information for the Chase Slate Edge has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the issuer.
Bottom line
At TPG, we recommend paying your credit card balance in full every month. However, if you cannot, a balance transfer via issuers like Chase allows you to move high-interest credit card debt to a new card with a promotional 0% APR, saving you money in the process.
Apply here: ”Chase
Apply here: Chase Freedom Flex
Learn more: Chase Slate Edge
Related: Best balance transfer credit cards
TPG featured card
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| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.