Best Chase Balance Transfer Credit Cards
These Chase credit cards offer 0% introductory APR periods on balance transfers.
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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 Slate®
Annual fee: $0.
Welcome offer: None.
Rewards: None.
APR: 0% intro APR on Purchases and Balance Transfers for 21 months, and then the ongoing APR of 18.24%-28.24% Variable APR.
You won’t earn any rewards with the Chase Slate®, but you will get a lengthy 0% APR period for transfers and purchases. The card’s 21-month interest-free period is significantly longer than what's offered by the Freedom-branded cards detailed below. And in addition to the 0% period, it charges an annual fee of $0, which means it won’t cost anything to hold onto.
While the card can be an ideal option for those looking to pay down debt, it charges a balance transfer fee: 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.
» MORE: Full review of the Chase Slate®
18 Months of 0% to Whittle Down Debt
👀 Start saving money ASAP. This card offers an extra long pause on interest on balance transfers.
Chase Freedom Unlimited®
Annual fee: $0.
Welcome offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards:
- 5% cash back on travel purchased through Chase.
- 3% cash back at restaurants, including takeout and eligible delivery services.
- 3% cash back on drugstore purchases.
- 1.5% cash back on all other purchases.
APR: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% 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% or $5, whichever's greater. 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 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.
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.
- 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 on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% 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.
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