The Chase Freedom Unlimited balance transfer offer is an introductory APR of 0% for 15 months. After the promotional rate expires, the remaining balance is subject to the card’s regular APR of 16.49% - 25.24% (V). The Freedom Unlimited Card has a 3% balance transfer fee ($5 minimum) for the first 60 days. A 5% fee ($5 minimum) applies to balance transfers that post after 60 days.
Chase only allows you to transfer credit card debt, and you cannot transfer balances from one Chase credit card to another.
To do a balance transfer after you’ve gotten the 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 1 (800) 432-3117.
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.
It’s also 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. 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.
Chase Freedom Unlimited is a very good balance transfer card, but if a balance transfer is your primary focus, consider the Chase Slate card. It offers an introductory balance transfer rate of 0% for 15 months. The transfer fee is $0 for the first 60 days that you have the card. Neither Chase Slate or Freedom Unlimited charges an annual fee.