What is the Chase Freedom Flex balance transfer offer?

The Chase Freedom Flex foreign transaction fee is 3% of each transaction in U.S. dollars. This means that every Chase Freedom Flex purchase made with a foreign merchant will have this extra surcharge added to the total cost. The foreign transaction fee applies to both in-person and online purchases. Because of this fee, Chase Freedom Flex isn’t an ideal card to use abroad.... read full answer

Other Chase Freedom Flex Fees to Keep in Mind

In addition to the 3% of each transaction in U.S. dollars foreign transaction fee, Chase Freedom Flex has a few other fees that are worth mentioning. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). The cash advance fee is: Either $10 or 5% of the amount of each transaction, whichever is greater. On the bright side, the card has a $0 annual fee.

If you’re looking for a good Chase card to use while traveling abroad, you might consider Chase Sapphire Preferred® Card, the Marriott Bonvoy Bold® Credit Card or the Chase Sapphire Reserve®. Ultimately, you can check our editors’ latest picks for the best no foreign transaction fee credit cards on the market to weigh your options.

The most important thing you should know before getting a Chase Freedom Unlimited balance transfer is that the card’s regular APR is 19.49% - 28.24% (V) (which applies after the intro period ends). Plus, it has a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). You can do a balance transfer with the Chase Freedom Unlimited card through your online account... read full answer or by calling customer service at (800) 432-3117. The card is good for balance transfers as it has an intro APR of 0% for 15 months.

Here’s what you should know about the Chase Freedom Unlimited balance transfer:

• How to: To do a balance transfer after you’ve gotten the Chase Freedom Unlimited card, log in to your online account, click the “Things you can do” drop-down menu on your account details page, and select “Transfer a balance”. Enter the credit card number with the balance you want to transfer and the transfer amount. Then, click “Continue,” verify your information, and submit the balance transfer. Or, you could request a Chase Freedom Unlimited balance transfer by phone, by calling customer service at (800) 432-3117.
• Balance transfer intro APR: 0% for 15 months
• Regular APR: 19.49% - 28.24% (V), depending on your creditworthiness.
• Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after).
• Exclusions: Chase only allows you to transfer credit card debt, and you cannot transfer balances from one Chase credit card to another.
• Balance transfer limit: It’s important to understand that a Chase Freedom Unlimited balance transfer, including transfer fees, is limited to your available credit or $15,000, whichever is lower. If your balance transfer exceeds the approved limit, Chase will usually reject the transaction. In some cases, they may adjust a transfer request to an amount less than the maximum allowed.
• Processing time: Balance transfers can take up to three weeks to process, so be sure to keep up payments on your other accounts until the transfer goes through.

If you’re thinking about applying for Chase Freedom Unlimited, there’s an option to request a balance transfer on the application. From the balance transfer section of the app, enter the existing card’s number and how much you want to transfer. Just know that balance transfers are not guaranteed even if you’re approved for the card.