The most important thing you should know before doing a Chase Freedom Unlimited balance transfer is that the card’s regular APR is 14.99% - 23.74% (V) and its balance transfer fee is: Either $5 or 5% of the amount of each transfer, whichever is greater.
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 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.
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.