Chase Slate® credit card vs Discover it® Cash Back

Do you want a balance transfer card or a cashback card?

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

The Chase Slate® credit card is a balance transfer card with a longer 0% intro APR period on balance transfers and a $0 intro balance transfer fee, while the Discover it® Cash Back comes with accelerated cash back on rotating categories each quarter. Both cards have a $0 annual fee.

Find out more about these cards in the table below.

Chase Slate® credit card

Chase Slate® credit card

Discover it® Cash Back

Discover it® Cash Back

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

4.8 / 5.0
Best for
Best for
  • Intro APR and intro fee period on balance transfers
  • Rotating cash back categories with no annual fee
Welcome offer
Welcome offer

No balance transfer fees for transfers made the first 60 days, then $5 or 5%

Discover will match cash back earned at the end of your first card year

Rewards
Rewards

N/A

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 16.49% to 25.24% variable

0% intro APR for 14 months, and then 11.99% to 22.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 months, then 16.49% to 25.24% variable

0% intro APR for 14 months, then 11.99% to 22.99% variable

Cash advance
Cash advance

APR: 26.49% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction None
Late payment fee
Late payment fee Up to $37 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Which card should you choose?

Chase Slate® credit card

Chase Slate® credit card

  • Intro balance transfer fee for the first 60 days, then $5 or 5% of the transfer, whichever is greater
  • 0% intro APR on purchases and balance transfers for the first 15 months, then 16.49% to 25.24% variable
  • Free FICO credit score

Discover it® Cash Back

Discover it® Cash Back

  • No annual fee
  • Excellent rewards in rotating categories
  • Solid intro APR on purchases and balance transfers
  • Cashback Match on all rewards earned during the first card year

Compare Chase credit cards

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site