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Chase Slate®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 74 Offer Ratings
Over the Past 60 Days!

(74 ) Over the Past 60 Days!

  • Regular Purchase APR 16.49% - 25.24% Variable
  • Intro Purchase APR 0% Intro APR on Purchases for 15 months
  • Intro BT APR 0% Intro APR on Balance Transfers for 15 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Highlights

Card Fees

Expert Review of the Chase Slate®

  • 5.0

    Regular APR

  • 5.0

    Intro APR

  • 5.0

    Fees

  • 4.0

    Benefits

  • star rating 4.0 /5

    Overall Rating

Who it’s good for

The Chase Slate® credit card is good for people who want to transfer a balance and avoid a pesky balance transfer fee. This card offers an Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.. Completing your transfer during the 60-day period will lead to increased savings. This card is also a good option for those who want to finance a large purchase. You will enjoy a 0% Intro APR on Balance Transfers for 15 months and 0% Intro APR on Purchases for 15 months. This is a good amount of time for you to pay off your debt and avoid the interest that would accrue on your existing credit card if you carry a balance.

Who it’s bad for

This card is not for people who want to earn rewards or take advantage of a lengthy intro period. Since this card is designed for balance transfers, if you are looking for a card with a rewards program, you’re better off with other cards like the Chase Freedom® or the Chase Sapphire Preferred® Card that can earn you cash back or rewards. You can find balance transfer cards that offer rewards like the Discover it® - 18 Month Balance Transfer Offer too. If you are planning on transferring a large balance or need more time to pay off your debt, you can find balance transfer cards with longer intro periods than the Chase Slate® credit card.

Where this card stands out in its category

The Chase Slate® credit card is unique in its Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.. Most balance transfer cards charge a transfer fee typically 3 or 5 percent of each transfer, and completing your transfer during the intro period can save you a decent amount of money. For example, if you transfer a $1,000 balance to the Chase Slate® credit card during the first 60 days, you will not be charged a transfer fee. Meanwhile, if you transfer to a card that charges a 5 percent transfer fee, you would be charged $50. This is where the Chase Slate® credit card shines and can save you more money than competing cards — just make sure to complete your transfer within 60 days from account opening.

Where this card falls short in its category

This card is lacking in a rewards program, but this isn’t a major downside since this card is designed for people looking to transfer an existing balance or make a large purchase. The majority of balance transfer cards also do not have rewards programs. Another area where the Chase Slate® credit card falls short is the length of the intro period. At 15 months, you have a good amount of time to pay off a balance, but you can find balance transfer cards with intro periods at 18, or 21 months.

Additional card benefits

The Chase Slate® credit card is a relatively barebones card predominately used for balance transfers. This card comes with a few added features on top of the balance transfer intro offer. Here are the additional card benefits:

  • Monthly FICO® Score and Credit Dashboard for free: Chase provides your FICO® Score for free each month with Credit Dashboard. This allows you to monitor and better understand the five main factors of your credit score.
  • No penalty APR: Paying late won't raise your interest rate.
  • Fraud protection: With real-time fraud monitoring, Chase will watch over your account and alert you if there is fraudulent activity.

How to use it most effectively

To get the most benefit from this card, be sure to transfer your balance during the 60 days from account opening. This will allow you to take advantage of the $0 intro fee and balance transfer intro period. Once you complete your transfer, make on-time payments with the goal of paying off your balance before the end of the intro period. By doing this, you will avoid interest charges that will occur if you carry a balance after the intro period ends. If you plan on financing a large purchase, make sure to do so as soon as possible since the intro period begins when you open your card. After the intro period, you’ll be charged a 16.49% - 25.24% variable APR on all unpaid balances.

How to do a balance transfer with Chase

The total amount of your balance transfer request, including fees and interest charges, cannot exceed your available credit or $15,000, whichever is lower. Your balance transfer must be completed within 60 days from account opening in order to enjoy the $0 intro balance transfer fee and 0% intro APR period.

To complete your balance transfer online, after logging in, click on “Accounts” then the Chase balance transfer card listed. Click on the “Things you can do” drop-down menu in the top right corner, choose “Transfer a balance,” and select the Chase balance transfer offer you have been approved for. From there enter your transfer information, and review and submit your transfer. Your transfer may take one to three weeks depending on how quickly the payee processes the transferred amount.

Compare it with the The Amex EveryDay® Credit Card from American Express

The Chase Slate® and The Amex EveryDay® Credit Card from American Express both offer comparable 0% intro periods, however the main difference is in rewards. The Chase Slate® is relatively barebones outside of its 0% intro periods and is a non-rewards card. Meanwhile, The Amex EveryDay® Credit Card from American Express offers 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. This provides added value to the card and makes it unique among other balance transfer cards lacking rewards. Therefore, if you’re someone who wants to earn rewards on new purchases, The Amex EveryDay® Credit Card from American Express has more value. *Terms and restrictions apply to all of the above. See the Rates & Fees for more detail.

  Chase Slate® The Amex EveryDay® Credit Card from American Express
Annual Fee $0 $0
Balance Transfer Terms 0% Intro APR on Balance Transfers for 15 months 0% for 15 Months
Balance Transfer Fee Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater. $0 balance transfer fee.
Ongoing APR 16.49% - 25.24% Variable 14.49%-25.49% Variable
Transfer Period 60 days from account opening 60 days from account opening
Rewards Non-rewards card 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases.

Bottom Line

The Chase Slate® credit card is a great option for people looking to complete a balance transfer without the balance transfer fee. If you can pay off your balance during the intro period, you will save the most money compared to other cards with high APRs or balance transfer fees.

  • Monthly FICO® Score for free: You can check your monthly FICO® Score for free, as well as monitor and better understand the five main factors of your credit score.
  • No penalty APR: Paying late won't raise your interest rate.
  • Fraud protection: Chase will help safeguard your account using sophisticated Real-Time Fraud Monitoring for possible signs of fraudulent activity.

Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

Ongoing Information

Additional Card Details

Consumer Reviews

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Offer Rating

3.7/5.0

74 Total Ratings

5 Star
 
 
(16)
4 Star
 
 
(31)
3 Star
 
 
(20)
2 Star
 
 
(5)
1 Star
 
 
(2)

Your Rating

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+36 users submitted a rating without a full review

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22 Found this review helpful

By: | Apr 29, 2017

This was my first card I've had it about a year. I have enjoyed the card and it had helped build my credit.

79 Found this review helpful

By: | Apr 7, 2017

Used this to pay off several high APR cards, great deal, customer service is excellent you can't beat the offer. I saved a good bit on the 0% APR. When your on a budget every penny saved helps!

72 Found this review helpful

By: | Mar 15, 2017

Sounds like a great deal!

122 Found this review helpful

By: | Jan 31, 2017

This card sounds perfect for us. 0% interest and no fee on balance transfers, plus a monthly credit check!!

118 Found this review helpful

By: | Dec 30, 2016

The no fee on balance transfers for the first 60 days.

150 Found this review helpful

By: | Dec 6, 2016

This card came with a 0% introductory APR, so it was a really good one for me for that reason. There was also a $0 balance transfer fee, so I was able to pay down some debt using this card. I’ve purchased a few things with it and it’s been simple to pay online or by mail, so it works like any other credit card in that sense. To be honest, I’m not really sure what (if any) rewards come with this card, but I’ll be pleasantly surprised if I do get something for using it. All in all, I’d say go for it if you want to divide up your debt and reduce your monthly payments. Just make sure you begin paying at least the minimum on this card immediately and try to pay it off before the 0% time period ends.

132 Found this review helpful

By: | Nov 29, 2016

Excellent Card! I have been watching and transferring credit balances for years, this is the first one with ZERO balance transfer fee!

109 Found this review helpful

By: | Oct 28, 2016

I'm looking for my first credit card, and for my needs this sounds pretty good.

131 Found this review helpful

By: | Aug 30, 2016

Is the 0% for 15 months only balance transfers or if is also for any charges you make. Can you transfer from one chase card to another?

2 Replies

By: CompareCards | Aug 31, 2016

The Chase Slate comes with 0% intro APR on both balance transfers and purchases. However, you cannot make a balance transfer from one Chase card to another. This rule is not specific to Chase, as you cannot transfer a balance between any credit cards issued by the same bank.

By: Gustavo Concha | Nov 7, 2016

I need to ask you if i can transfer balances from any credit card? For instance Lowe's credit card?

126 Found this review helpful

By: | Aug 25, 2016

I have a Chase Slate card and I am especially interested in the fact that you receive an update on your FICO Score each month. I haven't taken advantage of the other benefits described above, in fact was not aware of all of them. So now, I have more information to act on and am glad I saw this review.

136 Found this review helpful

By: | Aug 18, 2016

I'm very interested in this card but wanted to clarify zero fee for transfers in first 60 days. Does that mean that I could transfer a balance now, then another 30 days later and even another within the 60 day window and still incur no transfer fees?

1 Reply

By: CompareCards | Aug 29, 2016

That is correct!

138 Found this review helpful

By: | May 3, 2016

Chase Slate is a great card for people to use for their purchases. I also like having the low interest rates and the perks you get from using this particular card. Their customer service could use a little work though, which is why I rated the card 4 stars instead of 5 stars. Other than that it is the perfect card!

159 Found this review helpful

By: | Apr 28, 2016

I currently have an Equifax Credit Score of 749. It will be back up to 760+ within 3 to 6 months. I was above 760 but we bought 2 vehicles within the last 2 months and the pulling of my Score PLUS the new debt dinged our Score about 12 Points. My question is, "Is there any way to do a "Soft Pull" and tell me what my approval amount will be? Reason is, if one is approved for $5000.00 and transfers $5000.00, this Damages ones' Score due to Balance to Limit of Card as Credit Bureaus like Balance to Limit to be 35% or Less. If unable to do Soft Pull and one does a Regular Pull and is approved for "X" Dollars and decides they don't want the Card, they are dinged 2 - 3 Points for pull! Thank You in Advance!

1 Reply

By: Houston Donald | Nov 14, 2016

Chase is a great company to start with. I have Case Hyatt card with 75 dollar fee per year. But this fee covers one night stay each year at Hyatt hotels. If you spend 2000 dollars in three months the first year will earn two days any Hyatt world wide. Chase does have some really good cards.

135 Found this review helpful

By: | Apr 20, 2016

the 0% transfer balance, the zero interest for 15 months on the balance transfer fee's. meaning less cards to keep track of each month

1 Reply

By: Mary Ellen Watson | Nov 28, 2016

Yes I like the 0% interest for 15 months And that it helps with getting you on the right track,and 0 interest on balance tranfers

113 Found this review helpful

By: | Apr 11, 2016

Its 0% transfer balance, is it zero interest for 18 months on the transfer...

1 Reply

By: Chasity Boykin-Shaw | Jun 19, 2016

for 15 months and the regular APR applies!

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