How to Do a Balance Transfer With Chase

Updated: June 11, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

Making a balance transfer with Chase is an easy process. Usually, it’s completed within a week, but it can also take up to 21 days. Transferring a balance is particularly beneficial for individuals looking to consolidate debt or seeking a reprieve from accruing interest.

When looking for a balance transfer card, it’s ideal to find one that offers a lengthy no-interest period, low fees and no annual fees. Chase has a number of cards that offer a 0% intro APR on balance transfers for 15 to 18 months.

  • Balance transfers with Chase can be completed online or over the phone. It typically takes up to a week to process, though it can take as long as 21 days.
  • Regardless of your credit limit, the maximum amount you can transfer is $15,000 within a 30-day period.
  • Chase’s balance transfer cards, such as the Chase Slate Edge® and the Chase Freedom Unlimited®, offer a 0% intro APR period on balance transfers.

How to Do a Chase Balance Transfer

Doing a balance transfer with Chase is easy and online. Transferring a balance is the same for new and current cardholders. However, you need to get a Chase card first if you don't have one yet.

How to Transfer Balances to a New Chase Card

  1. Compare Chase cards and apply for one that aligns with your financial goals, ideally with a 0% intro APR offer and no annual fee.
  2. Upon approval, you'll have the chance to initiate a balance transfer by following the steps below.

How to Transfer Balances With an Existing Chase Card

  1. Log in to your Chase account.
  2. Choose the credit card and account to which you wish to transfer the balance.
  3. Provide your old credit card number and the transfer amount. Check all the details and press submit.

What Happens After Submitting a Chase Balance Transfer Request

Chase typically processes balance transfers within a week, though it can take up to 21 days. You'll know the transfer is complete when the balance shows up on your Chase account. Continue making payments on your old card until the transfer is confirmed to avoid late fees and penalty APRs.

How to Check the Status of a Chase Balance Transfer

To monitor the progress of your balance transfer, log in to your Chase account. You can view your recent transactions and balance details to confirm when the transfer has been applied. If you have any concerns, call Chase customer service at 1-800-432-3117 for assistance.

mglogo icon

Be careful when transferring a large balance to a new credit card. If the transferred balance is close to the new card's limit, this high utilization ratio could hurt your credit instead of helping it. However, the interest savings may be worth the short-term hit to your credit score. Your score will improve as you pay down the balance and lower your credit utilization. Lee Huffman, credit card expert at

Considerations for Chase Balance Transfers

Take note of Chase's balance transfer terms and details before deciding whether it is the right move for you.

    calendar icon

    Processing Time

    Most transfers are processed within a week. However, in some cases, it can take up to 21 days.

    smallCalculator icon

    Balance Transfer Amount

    Online or specialist-assisted balance transfer requests cannot exceed $15,000 within any 30-day period and must be within your credit limit.

    checkList icon

    Introductory Period

    Transfer your balances within the first 60 days of account opening to take advantage of intro APR offers.

    coins icon

    Balance Transfer Fee

    There is an intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. Afterward, the balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

    highInterestAPR icon

    Regular APR

    After the intro period, the APR ranges from 20.49% to 29.24% (variable) based on creditworthiness. Any remaining balance after the intro period will incur this rate.

    balanceTransfer icon

    Transfer Restrictions

    Balance transfers cannot be used to pay off other credit cards issued by JPMorgan Chase Bank, N.A., and its affiliates.

    goodCredit icon

    Credit Score

    You need a good to excellent credit score to qualify for a Chase balance transfer card.

Best Chase Balance Transfer Credit Cards

When searching for the best balance transfer credit cards, consider those with a lengthy 0% intro APR period, minimal balance transfer fees and no annual fees. These features can significantly impact your ability to pay off your balance without incurring extra costs.

The Chase Slate Edge® is a notable option, offering a 0% intro APR period on balance transfers for 18 months. Although it lacks a rewards-earning system, it features the longest no-interest period from Chase.

Chase Slate Edge℠
Credit Card logo for Chase Slate Edge℠
MoneyGeek Rating
4/ of 5

Balance Transfer Offer
0% for 18 months on balance transfers
20.24% - 28.99% variable
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each...
Recommended Credit
670-850 (Good to Excellent)
  • The Chase Slate Edge℠ can help you address your existing credit card debt or pay for an upcoming major expense. It offers an 18-month, no-interest period on balance transfers and purchases, with no annual fee. Additionally, good credit card habits can get you an automatic review for a credit limit increase after six months and an APR reduction after one year.

    All information about the Chase Slate Edge℠ has been collected independently by and has not been reviewed by the issuer.

If you want to earn rewards on your balance transfer card, the Chase Freedom Unlimited® is an option. It offers a 15-month 0% intro APR period on balance transfers and lets you earn cash back on purchases.

Chase Freedom Unlimited®
Credit Card logo for Chase Freedom Unlimited®
MoneyGeek Rating
3.4/ of 5

Rewards Rate
Earn 6.5% cash back on travel purchased through Ch...
20.49%–29.24% variable
Annual Fee
Recommended Credit
670–850 (Good to Excellent)
  • The Chase Freedom Unlimited® is an impressive card that pairs affordability with abundant rewards. It offers a compelling welcome bonus with no annual fee and substantial cash back in various everyday categories. It's especially beneficial for consumers who frequently travel, dine out or have regular drugstore purchases. The card is also an ally for big-ticket spending or balance transfers with its initial interest-free period. Plus, its flexible and enduring cash back rewards system means you can redeem them whenever you wish. Keep in mind that this card is best suited for consumers with solid credit histories.

    All information about the Chase Freedom Unlimited® card has been collected independently by and has not been reviewed by the issuer.

FAQ About Balance Transfers With Chase

We answer some frequently asked questions about balance transfers with Chase to help you know more about the process.

How long does a Chase balance transfer take to process?
Is there a limit to how much I can transfer with Chase?
Can I use a Chase balance transfer to pay off another Chase card?
What fees are associated with a Chase balance transfer?
Does a balance transfer affect my credit score?

If You’re Looking for More

Transferring a balance with Chase can be a smart financial strategy to help you save money and eliminate debt. But before you proceed, it’s important to understand the potential impact of a balance transfer on your credit score and the fees associated with the transfer.

The key to a successful balance transfer lies in your ability to pay off the balance within the intro APR period. Keep this in mind as you weigh the benefits and potential drawbacks of initiating a balance transfer.

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with and for our coverage of credit card products. MoneyGeek, CardRatings and may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.