The top 3 Chase balance transfer credit cards for 2024 are:

Although credit card interest rates are typically higher than other financial products, many individuals may still end up with high-interest credit card debt. To mitigate this, utilizing a 0% balance transfer offer can lower the interest paid and expedite the process of paying off credit card debt.

If you're looking for a balance transfer offer, consider Chase's top travel credit cards, which offer an intro 0% APR for balance transfers. Our methodology can help you choose the best Chase balance transfer credit cards.

Best for long intro APR

The Chase Slate Edge℠ is perfect for those looking to reduce the interest they pay on their balance. Its extended introductory APR offer provides additional time to pay off the balance.

Intro 0% APR offer: New cardholders can enjoy an introductory 0% APR on eligible balance transfers and purchases for 18 months from account opening. After this period, a variable APR of 20.49% to 29.24% applies. This is one of the longest intro APR offers available and is particularly advantageous since it applies to purchases as well.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

Best for cash back

This credit card is designed for individuals who seek to earn cash back on their daily expenses while also benefiting from an introductory APR offer.

Introductory offer: New cardholders receive a 0% APR on purchases and balance transfers for the first 15 months. After that, a variable APR of 20.49% to 29.24% applies. During the first 60 days of account opening, there is a 3% intro balance transfer fee on each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater, applies.

Best for rotating bonus categories

This card is ideal for individuals who appreciate maximizing the worth of their credit card through its quarterly bonus categories.

New cardholders can enjoy a 0% intro APR for 15 months on purchases and balance transfers, followed by a variable APR of 20.49% to 29.24%. An intro balance transfer fee of $5 or 3% of the amount of each transfer applies to transfers made within the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

Chase Slate Edge℠

The Chase Slate Edge℠ card has several features to help you pay less interest, but it does not offer rewards.

Rewards

None

Welcome bonus

Paying on time and spending $500 in the first six months may result in an automatic review for a higher credit limit.

Annual fee

$0

Notable perks

The Chase Slate Edge offers a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). This feature can help lower your APR compared to other credit cards, making it a good option for paying off balance transfers.

The insurance benefits of this card include purchase protection, extended warranty coverage, roadside assistance, and rental car collision and theft coverage (secondary in the U.S.).

Chase Freedom Unlimited®

One of the top no-annual-fee cash-back credit cards, according to CNBC Select, is the Chase Freedom Unlimited®, which offers a unique intro bonus and several useful benefits to enhance its cash-back earnings.

Rewards

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• Up to $20,000 spent in the first year will receive 3% cash back on all other purchases.

Welcome bonus

You can earn an extra 1.5% cash back on all your purchases (up to $20,000 in the first year).

Annual fee

$0

Notable perks

Earn 5% cash back on Lyft rides and receive three complimentary months of DashPass by enrolling before December 31, 2024. Additionally, purchases are protected by built-in insurance coverage, including rental car collision damage insurance, extended warranty coverage, purchase protection, and trip cancellation and interruption insurance.

You can increase the worth of the rewards you gain from this cash-back credit card by combining it with a Chase card that enables points transfers, such as the Chase Sapphire Preferred® Card. By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus, and Air Canada Aeroplan, you may be able to book luxury hotels and flights for fewer points.

Chase Freedom Flex℠

The Chase Freedom Flex℠ offers generous rewards in rotating bonus categories and an easy-to-earn welcome bonus.

Rewards

• First, you receive 5% cash back on the first $1,500 spent in rotating categories, followed by 1% cash back (requires activation).
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 5% back on Lyft rides (through Mar. 31, 2025)
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Welcome bonus

After opening an account and spending $500 on purchases within the first three months, you will receive a $200 bonus.

Annual fee

$0

Notable perks

No-annual-fee cards offer built-in protections and discounts and special perks with partners like Lyft and DoorDash.

• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

The Freedom Flex card is not only a valuable standalone rewards credit card, but it also has synergies with other Chase cards that allow for the transfer of Chase points to hotel and airline partners.

How to complete a Chase balance transfer

When completing a balance transfer, it's important to consider the balance transfer fee of 3% to 5% with a minimum of $5. It's crucial to weigh the interest saved against the fee to ensure it's worth it.

Completing a balance transfer when applying for a Chase card is one of the simplest and most advantageous options. This allows you to take full advantage of your intro APR, as any 0% interest timeframe you qualify for begins upon card opening.

To perform a balance transfer with a Chase card, log in to your account and follow these steps.

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can view balance transfer offers for any of your Chase cards by selecting them from a dropdown menu.

Bottom line

Chase offers intro APR periods of 15 to 18 months on top balance transfer cards, which also apply to purchases. These are some of the best offers available for paying less interest. While repayment should be the primary focus when in credit card debt, the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

Our mission at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each credit card article we publish is the result of extensive research by our team of expert writers and editors, who possess a wealth of knowledge about credit card products. At CNBC Select, we take pride in our commitment to journalistic standards and ethics, and we ensure that all our content is created without any input from our commercial team or external third parties. To learn more about our methodology for selecting the best Chase balance transfer credit cards, please refer to our detailed guide.

Our methodology

To determine the best Chase cards for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card based on various features, including annual fees, rewards, welcome bonuses, and balance transfer fees. Additionally, we considered additional perks, consumer protections, application processes, and ease of reward redemption. However, when dealing with credit card debt, the priority should be repayment, so we focused more on the cards that offer the cheapest ways to pay off debt rather than the number of rewards that could be earned.

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