Maria Adams, Credit Cards Moderator
@m_adams
You can do a balance transfer with the Chase Freedom Unlimited card either online or over the phone at (800) 945-2000. The card is good for balance transfers as it has an intro APR of 0% for 15 months. The card’s regular APR is 18.74% - 28.24% (V). Just note that there is 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).
How to Do a Chase Freedom Unlimited Balance Transfer
- Log in to your online account.
- Select "Card balance transfers" from the "Pay & Transfer" menu.
- Click on the balance transfer offer available to you.
- Enter the account number(s) and the amount(s) you'd like to transfer.
- Submit your request.
You could also request a Chase Freedom Unlimited balance transfer over the phone at (800) 945-2000. When you call, make sure to have your account information handy. You will need to provide it before being transferred to a customer service rep.
What to Know About Chase Freedom Unlimited Balance Transfers
- Balance transfer intro APR: 0% for 15 months
- Regular APR: 18.74% - 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: 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.
When you’re transferring a balance to the Chase Freedom Unlimited card, try to pay off the balance before the introductory rate expires. Any balance remaining after that will accumulate interest daily at the card’s regular APR. Using a balance transfer calculator can be a big help.
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, 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.
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