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Maybe you’ve been approved for a new card with a lower credit limit than you’d hoped. Or maybe you’re trying to consolidate your spending on one card to better match your lifestyle. Until now, moving credit between your Chase cards meant calling in and possibly facing a credit check. But that’s changed.
Chase has introduced a new feature that lets you transfer available credit between your cards online, in just a few clicks, with no phone calls or credit checks required. Here’s how to do so.
Why You Might Want to Transfer Credit Limits Between Chase Accounts
If you're using credit cards to earn rewards, it’s important to pay your balance in full each month to avoid interest charges that can quickly cancel out any benefits. That said, there are a few smart reasons to use this new feature:
- You were approved for a new card with a low limit. This can be common if you already have a lot of available credit across other Chase accounts. Transferring credit can make that new card more useful.
- You want your credit limits to reflect your current spending habits. Maybe you're consolidating purchases on one card to hit a sign-up bonus, take advantage of better rewards, hit spending thresholds, or just make tracking easier. Moving credit from less-used cards to the one you're actively using ensures you have enough room for your regular spending without bumping up against your limit.
- You're managing your credit utilization. If one card has a high balance and another has lots of unused credit, shifting your limit can help lower your utilization ratio, which may improve your credit score.
Whether you're optimizing rewards, managing utilization, or just simplifying how you handle your cards, this new tool makes it easier than ever to move credit where you need it.
Related: Best Chase Credit Card Offers — and When You Should Apply
How to Transfer Credit Limits Between Your Chase Cards Online
I recently tested out Chase’s new online tool for transferring credit, and I was honestly surprised by how quick and easy it was. I moved credit from my IHG One Rewards Premier Credit Card (Rates & Fees), which has a relatively high limit but rarely sees much spending. I keep that card strictly for the annual free night certificate, not for everyday use.
On the other hand, I’m currently working toward a spending threshold on The New United Quest℠ Card (Rates & Fees) to unlock a valuable bonus. I didn’t want to risk bumping up against the limit on that card, so shifting some of my unused credit over made perfect sense. Here’s exactly how I did it.
I logged into my Chase account on a desktop browser, but you can also do this in the Chase app. I clicked into one of my credit card accounts, selected “More…” from the top menu, and found “Move credit line.”
Next, I chose the card I wanted to move credit from (my IHG One Rewards Premier Card) and the card I wanted to move it to (my United Quest Card). I entered the amount I wanted to shift and confirmed.
I clicked submit, and that was it. The transfer was instant, and I saw the updated limits reflected on both cards right away. If you’ve ever had to call Chase for something like this, you know how refreshing it is to handle it all online in under two minutes.
What You Need to Know Before Moving Credit Lines
There are a few important things to know before moving credit between your Chase cards. First, both cards must be open and in good standing. You won’t be able to transfer credit to or from a closed, canceled, or restricted account. You also can’t move credit between business and personal cards.
Keep in mind that you won’t be able to move your entire credit line. Chase requires each card to keep a minimum credit limit, and the exact amount can vary depending on the card. When you get to the screen where you select the accounts involved in the transfer, Chase will show the maximum amount you’re allowed to move based on those requirements.
This feature may not be available to everyone just yet. If you don’t see the “Move credit line” option in your account, Chase may still be rolling it out. Try checking both the desktop site and the app, or check back later if it’s not there.
Final Thoughts
This might seem like a small update, but it's a meaningful one for Chase cardholders. Being able to manage your credit limits without making a phone call is a long-overdue convenience.
It’s especially useful if you regularly open new cards, juggle spending thresholds, or keep a close eye on your utilization. The new tool adds flexibility, saves time, and gives you more control over your credit. That’s a win.
For rates and fees of the cards mentioned in this post, please visit the following links: IHG One Rewards Premier Credit Card (Rates & Fees), and The New United Quest℠ Card (Rates & Fees)
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