Best Chase Balance Transfer Credit Cards

These Chase credit cards offer 0% introductory APR periods on balance transfers.
Apr 5, 2022

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Balance transfer cards can provide financial relief by making it easier to pay down debt. And Chase offers a few credit cards that feature introductory 0% periods on balance transfers, which can help cardholders save money on interest while they pay down transferred debt from a high-interest card. In addition to offering interest-free periods, these cards come with other attractive features, like $0-annual-fees, lucrative rewards and bonuses.

Here are the Chase credit cards that offer introductory promotions on balance transfers.   

Chase Freedom Flex℠

Annual fee: $0.

Welcome offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Chase Freedom Flex
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Rewards:

  • 5% cash back in quarterly bonus categories on up to $1,500 in combined spending each quarter. Activation of bonus categories is required. (See current categories here.)

  • 5% cash back on travel booked through Chase Ultimate Rewards®.

  • 3% cash back on dining, including takeout and delivery services.

  • 3% cash back on drugstore purchases.

  • 1% cash back on all other purchases.

APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 15.24%-23.99% Variable APR.

The Chase Freedom Flex℠ is a competitive cash back option that offers elevated rewards in fixed and rotating everyday-spending bonus categories. In addition to its high rewards rates, it comes with a 15-month 0% introductory period for both purchases and balance transfers. This means holders can use the card to pay off large purchases as well as pay down transferred debt. The card does, however, also come with a balance transfer fee of 3%, (or a minimum of $5, whichever is greater) which can potentially make transferring over debt costly.

Chase Freedom Unlimited®

Annual fee: $0.

Welcome offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Chase Freedom Unlimited Credit Card
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Rewards:

  • 5% cash back on travel purchased through Chase Ultimate Rewards®.

  • 3% cash back at restaurants, including takeout and eligible delivery services.

  • 3% cash back on drugstore purchases.

  • Through March 31, 2025, 5% back on qualifying Lyft services purchased through the Lyft app.

  • 1.5% cash back on all other purchases.

APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 15.24%-23.99% Variable APR.

Like its cousin above, the Chase Freedom Unlimited® comes with standout features that the best balance transfer cards offer — a 0% intro APR offer for balance transfers, a $0 annual fee and high rewards rate, plus a sign-up bonus, to boot. But while holders get a 15-month break from interest for balance transfers and purchases, the card also has a balance transfer fee. You’ll be charged a 3% intro fee (or a minimum of $5, whichever is greater) for each balance transfer made within the first 60 days of account opening. And after that, the fee goes up to 5%. So for example, a transfer of $5,000 made after the intro period will come with a $250 fee.

The card’s lengthy promotional period and other attractive features can make the fee worth it — especially if it will take you a long time to get out of debt.

Chase Slate Edge℠

Chase Slate Edge℠ Credit Card
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Annual fee: $0.

Welcome offer: None.

Rewards: None.

APR: 0% intro APR for 18 months on purchases and balance transfers, and then the ongoing APR of 15.24%-23.99% Variable APR.

You won’t earn any rewards with the Chase Slate Edge℠, but you will get a lengthy 0% APR period for transfers and purchases. The card’s 18-month interest-free period is slightly longer than what the aforementioned Chase Freedom cards offer. And in addition to the 0% period, it charges an annual fee of $0, which means it won’t cost anything to hold on to. Chase Slate Edge℠ also comes with a rare automatic 2% APR reduction consideration each year (until the Prime Rate plus 9.74%) when you spend at least $1,000 by your next account anniversary and make payments on time.

While the card can be an ideal option for those looking to pay down debt, it too charges a balance transfer fee: 3% for the first 60 days of account holding, then 5% of the amount of each balance transfer (or $5, whichever is greater). Plus, it doesn't offer any ongoing rewards, which means that after the introductory period ends, it won’t provide much long-term value like Chase’s other balance transfer credit card options.

Nerdy tip: Chase also offers the Chase Slate®, which is currently closed to new applicants. Unlike the Chase Slate Edge℠, the original Slate offers a promotional $0 balance transfer fee, which makes it a rare "triple-zero card” because it also charges a $0 annual fee and offers a lengthy 0% intro APR period. The card is also available to those with fair credit (a FICO score of 630 to 689). All other Chase balance transfer credit cards mentioned above require good or excellent credit scores (scores of 690 to 850) to qualify.

The information related to the Chase Slate® has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card. The Chase Slate® is no longer available on NerdWallet.

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