The Chase Freedom balance transfer fee is 5% of the amount that you transfer, but the fee cannot be less than $5. So if you transfer $100 or less, the Chase Freedom balance transfer fee is $5. If you plan to transfer more than $100 to Chase Freedom, just multiply the amount by 0.05 to see what your fee will be.
The Chase Freedom balance transfer fee gets added to the balance you owe, and that total is subtracted from your available credit. Your balance transfer amount, including the fee, can’t exceed your credit limit or $15,000, whichever is lower. That means you can’t transfer a balance of more than $14,285 to Chase Freedom, considering the 5% transfer fee.
If you want to transfer a balance to a Chase credit card without paying a balance transfer fee, Slate is a better choice. Both Chase Slate and Chase Freedom have 0% for 15 months, but Slate also offers a $0 transfer fee for the first 60 days. Neither card charges an annual fee.