Chase Slate Credit Card Details review | finder.com

Chase Slate® credit card review – December 2018

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Chase Slate® credit card

Pay off your debt sooner with the Chase Slate® credit card. Get 0% intro APR on transfers and purchases for the first 15 months.

finder.com’s rating: 4.6 / 5.0

★★★★★

30-second take

  • Get this card if you want a strong introductory APR on purchases and balance transfers.
  • Pick something else if you want rewards.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameChase Slate® credit card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.99% to 25.74% variable
Introductory Purchase APR0% for the first 15 months (then 16.99% to 25.74% variable)
Introductory Balance Transfer APR 0% for the first 15 months (then 16.99% to 25.74% variable)
Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age

The basics

As a balance transfer product, the Chase Slate® credit card is one of the best you’ll find. Chalk that up to three important perks:

  • No annual fee. It’s a simple but welcome benefit when you’re eager to make a low-cost balance transfer.
  • A strong 0% intro APR. The Chase Slate® credit card offers a solid introductory APR: 0% for 15 months on purchases and balance transfers. After that, get 16.99% to 25.74% variable APR on purchases and balance transfers.
  • No balance transfer fee for two months. What separates the card from the rest is no fees on transfers in the first 60 days after you open your account. After that, you’ll pay each transfer of $5 or 5% of the transaction, whichever is greater.

Bottom line: If you want to transfer your debt at low or no cost, the Chase Slate® credit card is an excellent option.

How good is the credit card’s balance transfer fee promotion?

Your typical credit card comes with a fee for each balance transfer — usually 3% of transaction. So if you make a $10,000 balance transfer, you might pay $300 in fees.

Contrast that with the Chase Slate® credit card. If you transfer the same $10,000 within the first 60 days after opening your account, you’ll pay $0 in fees.

That’s one of the reasons the Chase Slate® credit card is such a strong choice. You can transfer your debt for nothing, as long as you do so within the time limit. Very few cards offer this promotion, making the Chase Slate® credit card that much more special.

The perks

  • ANNUAL FEE: None.

    A $0 annual fee makes it easy to keep the card long term. It’s an especially nice benefit when you’re trying to make balance transfers inexpensively.

  • INTRO APR: 0% for the first 15 months on purchases and balance transfers.

    This is a strong introductory APR, one that can help you pay off your debt more easily. After the intro APR, you’ll have a 16.99% to 25.74% variable APR.

    If you want a longer intro APR, consider a product like the Citi Simplicity® Card. It offers a 0% intro APR for the first 12 months on purchases and balance transfers. After that, it has a 15.99% to 25.99% variable APR.

  • No balance transfer fees for the first 60 days.

    Normally, the Chase Slate® credit card comes with a balance transfer fee — the greater of $5 or 5% of each transaction. But for the first 60 days after you open your account, you’ll pay no fees on your transfers.

    This uncommon perk elevates the Chase Slate® credit card to one of the best balance transfer cards on the market.

Compare Chase Slate® credit card and Chase Freedom®

You’ll also like …

  • Get your FICO score for free.

    Chase updates your FICO score monthly, which you can check though your online dashboard.

  • No penalty APR.

    Some banks raise your APR — often to 29.99% — after your first late payment. Chase doesn’t impose this penalty APR for the Chase Slate® credit card.

  • Purchase protection.

    When you make an eligible purchase with your Chase Slate® credit card, it’s covered against damage or theft for 120 days. Get up to $500 per claim and up to $50,000 over your lifetime.

What to watch out for

  • Intro APR expires after 15 months.

    If you don’t pay off your card balance in this time, it accrues interest at the ongoing rate of 16.99% to 25.74% variable.

  • Potentially high ongoing APR.

    Depending on your credit, you may be given a variable purchase and balance transfer APR as high as 25.74%. The average credit card APR is around 16%.

  • Higher cash advance APR.

    Cash advances come with a 26.99% variable APR.

  • No grace period on balance transfers or cash advances.

    Purchases come with a grace period — that is, you’ll have at least 21 days after the close of the billing cycle to pay off your balance before accruing interest. This isn’t the case with balance transfers or cash advances: You’ll start accruing interest on them immediately.

Consider other cards if …

  • Your credit history is so-so.

    If you have less-than-stellar credit, consider improving your score with a secured credit card. Look into the Discover it® Secured, an excellent product that allows balance transfers.

  • You want a market-leading intro APR.
    Look into the U.S. Bank Visa® Platinum Card, which offers 0% intro APR for 20 billing cycles on balance transfers and 0% intro APR for 20 billing cycles on purchases. After the promotional period ends for each, you’ll have an ongoing APR between 11.99% to 23.99% variable .
  • You want a longer intro APR on purchases and balance transfers.

    Consider the Citi Simplicity® Card, which offers a 0% intro APR for 12 months on purchases and balance transfers. After that, you’ll have a variable purchase and balance transfer APR of 15.99% to 25.99%.

  • You want rewards.

    Cards with market-leading intro APRs often don’t offer rewards. If you’re looking for travel rewards, try cards like the Chase Sapphire Preferred® Card or Bank of America® Travel Rewards credit card. For cash back, consider the Citi® Double Cash Card or Bank of America® Cash Rewards credit card.

  • You want rewards and a strong intro APR.

    Try the Discover it® Cash Back. It offers a 0% intro APR for 14 months on purchases and balance transfers. After, you’ll have a variable purchase and balance transfer APR of 13.99% to 24.99% variable. On top of that, you can earn 5% cash back in quarterly rotating categories.

Compare Chase Slate® credit card vs Chase Freedom Unlimited®

Compare other balance transfer cards

Name Product Filter values Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
0% for the first 15 months (then 16.99% to 25.74% variable)
16.99% to 25.74% variable
$0
670
0% intro APR for 15 months from account opening on purchases and balance transfers.
0% for the first 15 months (then 16.99% to 25.74% variable)
16.99% to 25.74% variable
$0
670
0% intro APR for 15 months from account opening on purchases and balance transfers.
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 12 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$95
670
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
680
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
0% for the first 15 billing cycles (then 13.99% variable)
13.99% variable
$0
670
A low, variable APR on purchases, balance transfers and cash advances.
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
14.99%, 18.99% or 24.99% variable
$0
670
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
12.99%, 16.99% or 20.99% variable
$0
670
An 18 months 0%% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% for the first 15 billing cycles (then 16.99% variable)
16.99% variable
$195
740
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
0% for the first 15 billing cycles (then 16.99% variable)
16.99% variable
$495
670
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
0% for the first 15 billing cycles (then 16.99% variable)
16.99% variable
$995
740
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
16.24% to 22.24% variable
$0
670
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
9.95% for the first 6 months (then 17.99% fixed)
17.99% fixed
$39
300
Borrow up to $10,000 and get your credit score back on track.
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
15.24% to 25.24% variable
$0
720
Earn more cash back for the things you buy most.
NASA Federal Platinum Advantage Rewards Credit Card
NASA Federal Platinum Advantage Rewards Credit Card
7.9% for the first 90 days (then 11.9% to 17.99% variable)
11.9% to 17.99% variable
$0
670
Enjoy perks and save money while gaining points with every purchase.
10.99% for the first 6 months (then 24.99% variable)
24.99% variable
$0
580
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
20.99% variable
$25
300
Establish credit history - with responsible use you may be upgraded to an unsecured credit card.
21.99% variable
$39
300
Help establish, strengthen - even rebuild your credit
20.99% variable
$29
300
Establish your credit and reap the benefits. Get worldwide purchasing power and flexibility as you work to build or re-establish your credit history.
24.99% variable
$0
300
Take control and build your credit with responsible use.
Aspire Platinum Mastercard®
Aspire Platinum Mastercard®
0% for the first 6 billing cycles (then 8.9% to 18% variable)
8.9% to 18% variable
$0
580
We'll help you score major savings with a 0% introductory APR* on purchases and balance transfers for 6 months.

Compare up to 4 providers

How does a balance transfer work with this card?

What should I know before I apply?

To apply for the Chase Slate® credit card, you must be at least 18 years old.

If you live in Alabama or Nebraska, you must be at least 19 years old. If you live in Puerto Rico, you must be at least 21.

Information you’ll need

  • Your name, residential status and residential address
  • Your Social Security number and date of birth
  • Your email address and phone number
  • Financial information like your annual income, the source of your income and your employment information

What credit score do I need?

You’ll have a better chance of approval for the Chase Slate® credit card if you apply with a good to excellent credit score of 670 or higher.

What do customers say about the Chase Slate® credit card?

Cardholders generally like the Chase Slate® credit card‘s intro APR, though some think the card isn’t as useful after that rate expires. Some customers say they’ve had trouble getting approved for large credit lines, which dampened the appeal of a balance transfer.

Chase earns a Trustpilot score of 5.5 out of 10 at the time of this writing. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews cite the bank’s great mobile app and quick resolutions to their issues. Overall, your mileage may vary with Chase customer support.

The JPMorgan Chase Credit Card division earns an A+ rating from the Better Business Bureau.

How to apply for the Chase Slate® credit card

  1. Go to the Chase website and click Apply Now.
  2. Complete the application with details like your name, address, annual income and Social Security number.
  3. Review and submit your application.

Chase landing page

How long will it take to be approved?

Because conditional approval is automated on the Chase website, you’ll often get a decision within minutes. If your application requires more information, may wait a few days to a few weeks to receive a response.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the Chase website, where you can enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of at least 21 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with fees of up to $37. The cash advance fee is $10 or 5% of the amount of each transaction, whichever is greater.
  • Contact customer service. If you have questions, contact Chase Credit Cards support at 1-800-432-3117.

Bottom line

The Chase Slate® credit card doesn’t offer rewards or fancy perks. Instead, it goes all-in on one thing: it’s an excellent card for balance transfers. With no annual fee, a strong intro APR and a promo offering no balance transfer fees, it succeeds in convincing fashion.

Frequently asked questions

Images: chase.com

Balance transfer card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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4 Responses

  1. Default Gravatar
    ClarkMarch 14, 2018

    I would like to find out if my Slate Credit Card is still being used. I think my ex-wife may be using it. I cannot sign in because I don’t have my account number. Can you help me.

    • Default Gravatar
      joelmarceloMarch 20, 2018

      Hi Clark,

      Thanks for leaving a question on finder.

      Please note that finder is a financial comparison and information website that helps consumers make better decisions. We do not represent any of the providers we feature on our website.

      It looks like you will have to speak with Chase directly at 1-212-270-6000.

      Cheers,
      Joel

  2. Default Gravatar
    RobertJune 12, 2017

    I am looking for a 15-21 month 0 % credit card with 0 balance transfer fees to consolidate my relatives debt.
    I would want between 10k – 15k. I would be the card holder guarantee payment. My credit card score is around 800.
    No annual fee as well. Which companies should I consider that allow transfer from one person to me?

    • finder Customer Care
      AnndyJune 17, 2017Staff

      Hi Robert,

      Thanks for your question.

      You may check this page to compare credit cards that allow for balance transfer between two people’s names.

      Just click on the bank logo to check your card options issued by a particular bank.

      Cheers,
      Anndy

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