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Chase Slate® credit card vs Discover it® Cash Back

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

Megan Horner
Megan Horner

Last updated:

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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

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