If you’re dealing with credit card debt, high interest rates can make it difficult to pay down your balance. Even if you make larger monthly payments, you’re still paying extra in interest.This is why one of the best options for paying off credit card debt is to look into balance transfer cards.

A balance transfer lets you combine high-interest debt into one card, which you can then make payments to without interest for a limited time.If you’re considering a balance transfer with Chase, you have three options with long promotional APRs to choose from.

We’re going to cover what you need to know before doing a transfer, including offer details and options, transfer fees, rewards and current restrictions.

Pick and apply for the right card for your transfer

When looking for the right balance transfer card from Chase, you want to make sure you pick a card you’ll stick with after you pay off the balance. You don’t want to cancel and hurt your credit utilization ratio and overall credit score. Additionally, look for a long promotional APR time frame that gives you enough time to pay off your balance interest-free. Keep in mind that if you’re already in debt with Chase, transfers from another J.P. Morgan Chase Bank account, or any affiliates, will not be honored, so you’ll need to find another card issuer.

Below, we’ll detail our two favorite Chase balance transfer cards so you can see the pros and cons of each.

Best Chase balance transfer credit cards:

Chase Slate

If you prefer a card that’s made strictly for balance transfers, then go with Chase Slate. It’s the only card that offers a $0 intro fee on balance transfers made within 60 days of account opening. You also get a 15-month 0% intro APR on balance transfers and purchases (after that, APR ranges from 14.99% to 23.74% variable).

After 60 days, balance transfers are $5 or 5% of the amount of each transfer (whichever is greater). Cardholders will also appreciate benefits such as no annual fee, no penalty APR, free unlimited access to credit score and contactless payment.

This is the best card for transfers since there is no fee within the first 60 days of account opening and you get 15 months to pay off your balance interest-free.

This card also comes with a complimentary three months of DashPass, DoorDash’s subscription service. The one downside is that it does not come with a cash-back rewards structure like other Chase cards.

Chase Freedom Unlimited

If you want a Chase balance transfer card with rewards, the Chase Freedom Unlimited kicks things off with a bonus offer, no annual fee and a 15-month 0% intro APR for purchases and balance transfers (after that, the APR ranges from 14.99% to 23.74% variable). Qualified cardmembers also get an intro balance transfer fee of $5 or 3% during the first 60 days of account opening (after that, the fee is $5 or 5%, whichever is greater).

Other perks you can love about this card are the unlimited 1.5% cash back on every purchase and a $200 cash back offer after you spend $500 on purchases in the first three months of account opening. With the spend bonus and intro APR, this is a great card to keep for balance transfers and every day purchases.

Initiate the transfer

When you’re ready to initiate a balance transfer, have the following information from your current creditor handy:

  • Credit card or account number.
  • Company name, number and address.
  • Balance amount to be transferred.

If you already own a Chase credit card

While Chase doesn’t ordinarily allow balance transfers between accounts, sometimes it does provide promotional offers to existing users. If it does, you’ll be able to initiate a transfer right from your account:

  • Log into your account: Select “pay and transfer” or “card balance transfers” and see “offers available.”
  • Enter creditor information: Enter relevant information about the card/account you are transferring from and follow the prompts. If you have problems, contact customer service for help.

If you’re applying for a new Chase balance transfer credit card

If you don’t have an existing Chase account, you can often initiate the balance transfer process while you’re filling out your application. The steps are easy:

    • Start the application process: Choose your favorite Chase balance transfer card and start the application process either online or over the phone.
    • Provide balance transfer information: During the application process, you’ll be asked to give information about your balance transfer

What you need to know when transferring a balance with Chase

Those that get approved for a Chase card normally need good to excellent credit (700+), so if you don’t think your credit score isn’t quite there yet, here are some ways you can boost your approval chances.

Additionally, Chase will only allow you to transfer up to the credit limit you’re approved for, and no more than $15,000 (whichever is lower). The payoff process should happen about 10 days after you receive your new card, but always remember to check and make sure, as sometimes it can take longer.

Follow up

While balance transfers can help you get ahead of your debt, they do take time, so it’s important that you be sure to follow through with former creditors and make sure payoff is complete. Some balance transfers can take up to six weeks, so keep making payments until you verify your old accounts have been completely paid off. Be sure to keep up with payments on your new card to take advantage of the interest-free promotional period so you can stay out of credit card debt.

*Information regarding the Chase Slate and Chase Freedom Unlimited was prepared by NextAdvisor.com staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.