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Does the Chase Slate® credit card offer rewards?

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An excellent balance transfer card, but look elsewhere if you want rewards.

If you’re considering the Chase Slate® credit card for a balance transfer, you’ve picked a great product. It offers a strong intro APR for balance transfers and no annual fee. However, if you’re looking for a card that offers rewards for purchases, you won’t find it here.

Does the Chase Slate® credit card offer cash back?

The Chase Slate® credit card does not offer rewards such as points or cash back. It’s primarily a balance transfer card, with a strong intro APR and an introductory fee on transfers.

Our pick for cash back

Chase Freedom®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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What does the Chase Slate® credit card have?

  • Intro APR: 0% for 15 months following your account opening on purchases and balance transfers, and a variable APR after that.

    This is a strong intro APR, and you get it for both purchases and balance transfers.

  • Intro balance transfer fee: $0 during the first 60 days of card membership.

    After the intro period the balance transfer fee is $5 or 5% of the transaction, whichever is greater. Plan your balance transfers and try to complete them before your introductory fee ends.

    This perk separates this card from the pack, as few cards can match it.

  • No annual fee.

    This is helpful when you want to make a low-cost balance transfer.

  • Free FICO score monthly.

    Keep track of your credit score based on Experian data. This tool is especially valuable because it offers a FICO score. Most banks use FICO scores for their lending decisions.

Can you get a balance transfer card with rewards?

Yes, you can. This type of card generally doesn’t offer the longest intro APR you’ll find, though it might get close.

Take a look at the Discover it® Cash Back, for example. It offers rewards and a pretty good intro APR: 0% for 14 months following your account opening on purchases and balance transfers, and 14.24% to 25.24% variable APR after that.

Meanwhile, the Citi Simplicity® Card offers the top balance transfer intro APR on the market: 0% for 21 months following your account opening on balance transfers, after that it’s 16.24% to 26.24% variable. However, it doesn’t offer rewards.

Most cards follow this pattern: Either a product will shoot for the moon on the intro APR or offer a merely solid intro APR paired with rewards.

Can you earn reward points on a balance transfer?

There’s one card that bucks the trend…

One card has the best of both worlds: the Citi® Double Cash Card. It offers 1% cash back on all purchases and another 1% back when you pay them off — a stellar rewards rate. At the same time, it offers an excellent intro APR: 0% on balance transfers for 18 months following your account opening. After that, you APR is 15.74% to 25.74% variable.

Compare balance transfer cards with rewards programs

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees

Compare up to 4 providers

Is the Chase Slate® credit card better than Chase Freedom®?

The better card depends on what you’re looking for. Pick the Chase Slate® credit card if you want to pay no fees on eligible balance transfers. Pick the Chase Freedom® credit card if you want rewards in rotating categories and a signup bonus.

Here’s what you’ll find with the Chase Freedom® credit card:

  • No annual fee.
  • 0% intro APR for 15 months following your account opening on purchases and balance transfers, and variable.
  • A $150 bonus after you spend $500 on purchases in the first three months of card membership.
  • 5% cash back on up to $1,500 in combined purchases each quarter for specified categories, then 1%. Earn 1% cash back on everything else.

Bottom line

Unfortunately, Chase Slate® credit card doesn’t offer points, but the card has an introductory APR and no fee that few cards can match. If you want rewards with a balance transfer intro APR, check out other balance transfer cards.

Frequently asked questions

Kevin Joey Chen

Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and build credit responsibly. Kevin has written across many personal-finance niches at finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers. In his spare time, he likes to travel, read and play poker.

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