Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month. However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.
Chase is known for issuing some top travel credit cards, but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).
Best Chase balance transfer credit cards
Best for long intro APR
The Chase Slate Edge℠ is a great intro-APR card if you want to save on interest, but it doesn't earn rewards.
- Long intro APR for purchases and balance transfers
- No annual fee
- No rewards
- Has a foreign transaction fee
Balance transfer fee
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. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of the amount of each transaction in U.S. dollars
Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.
Balance transfer offer: New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 18.74%–28.74% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.
An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).
Best for cash back
The Chase Freedom Unlimited® is a no-annual-fee card that earns generous cash-back on everyday purchases and a lucrative welcome bonus.
- Users get a high rewards rate and strong welcome bonus
- Purchases and balance transfers get long intro APR
- No annual fee
- Travelers face a foreign transaction fee
- Few rewarding ongoing benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, in the first 60 days. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.
Balance transfer offer: New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 18.24% - 27.74% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.
Best for rotating bonus categories
The Chase Freedom Flex® is an excellent cash-back card for maximizing your spending in a variety of categories.
- Long intro APR for purchases and balance transfers
- Rewarding quarterly bonus categories
- No annual fee
- Bonus categories are capped each quarter
- Has a foreign transaction fee
Rewards
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%)
- 5% cash back on travel booked through Chase Travel℠
- 3% on drugstore purchases and on dining (including takeout and eligible delivery services)
- 1% cash back on all other purchases
Balance transfer fee
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. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3%
Who's this for? The Chase Freedom Flex® is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.
Balance transfer offer: New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 18.24% - 27.74% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.
More on our top Chase balance transfer credit cards
Chase Slate Edge℠
The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.
Rewards
None
Welcome bonus
Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.
Annual fee
$0
Notable perks
With the Chase Slate Edge, you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.
This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.
Rewards
- 5% cash back on travel booked through Chase Travel℠
- 3% cash back on dining
- 3% cash back at drug stores
- 1.5% cash back on all other purchases
Welcome bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual fee
$0
Notable perks
Cardholders can enroll for six complimentary months of DashPass, if activated on or after 2/1/25 (Must activate by 12/31/27 to be eligible). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.
While this is a cash-back credit card, you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card; see rates and fees). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.
Chase Freedom Flex®
The Chase Freedom Flex® packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.
Rewards
- 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
- 5% cash back on travel booked through Chase Travel℠
- 5% back on Lyft rides (through Mar. 31, 2025)
- 3% cash back on dining
- 3% cash back at drug stores
- 1% cash back on all other purchases
Welcome bonus
Earn a $200 bonus after spending $500 on purchases in the first three months from account opening.
Annual fee
$0
Notable perks
Cardholders receive discounts and special perks with partners like Lyft (through Mar. 31, 2025) and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:
- Cell phone insurance
- Rental car insurance (secondary in the U.S.)
- Extended warranty coverage
- Purchase protection
- Trip cancellation and interruption insurance
When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card), it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card, but it has synergies with other cards.
How to complete a Chase balance transfer
Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer, be sure the interest you save will outweigh the fee.
There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.
If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:
- Click "Pay & Transfer"
- Then click on the "Transfer" dropdown menu
- Select "Card balance transfers"
You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.
FAQs
Are Chase balance transfers worth it?
When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.
What is one disadvantage of a 0% interest balance transfer card?
Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.
Do balance transfers hurt your credit?
A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).
Bottom line
The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest, these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Chase balance transfer credit cards.
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Our methodology
To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.
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