To do a balance transfer with Chase, new applicants can just complete the balance transfer portion of a Chase credit card application. Existing cardholders can request a balance transfer online or by calling customer service at (800) 432-3117.
Chase balance transfers usually take up to 21 days to process. In the meantime, continue to make payments on your original debt in order to avoid any late fees and possible damage to your credit score.
How to Do a Balance Transfer with Chase (New Applicants)
- Open the application for the Chase balance transfer card you want to apply for.
- Enter the account number for your existing balance.
- Enter the amount you want to transfer.
- Include standard application info such as your name, Social Security number, and annual income.
- Submit the application.
How to Do a Balance Transfer with Chase (Existing Cardholders)
- Log in to your Chase
- Select “Card balance transfers” from the “Pay & Transfer” menu.
- Click on the balance transfer offer you'd like to redeem.
- Enter the account number(s) and the amount(s) you’d like to transfer.
- Verify your information is correct and submit the application.
Key Things to Know About Chase Balance Transfers
Chase only accepts balance transfers from other issuers’ credit cards. Chase does not allow balance transfers from other Chase credit accounts.
If you’re transferring a balance to a credit card with an introductory APR on balance transfers, 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.
Finally, the balance transfer fee for Chase credit cards is: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after).Make sure to take this into account, too.
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