Rated 4/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
Balance Transfer Fee
$0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
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 $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, 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. *This offer and/or promotion has since changed, expired, or is no longer available.
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® Balance Transfer 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.
The Chase Slate® credit card is unique in its $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, 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.
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.
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:
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.
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.
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|
|Balance Transfer Terms||0% Intro APR on Balance Transfers for 15 months||0% for 15 Months|
|Balance Transfer Fee||$0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, 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.|
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.
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.
$0 Fraud Liability
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
3 Total Ratings