Chase Slate®

Chase Slate®
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Chase Slate®

Why People Love It
  • Take charge of your finances with a 0% APR on purchases and balance transfers for 15 months
  • $0 introductory balance transfer fee for the first 60 days
  • Keep everything under control with no penalty APR for late payments, and never pay an annual fee to use this card
82 User Score
337 Clicks

  • No rewards offered
  • Not much value once the 0% APR promotion is over
  • Light on added benefits.
Faveable Review

The Chase Slate® is one of the best get-out-of-debt-free cards on the market. The card offers a solid combination of a 0% APR promotion and no upfront balance transfer fee, giving people with toxic credit card debt a second chance at paying it off interest-free.

The card isn’t a great fit for everyone, though, especially if you don’t have any existing credit card debt.

To help you determine if the Chase Slate® is right for you, read on to learn about its features.

Chase Slate® review - Chase Slate® highlights

There are a lot of credit cards on the market that are so packed with perks that it feels like they’re bursting at the seams. That’s not the case with the Chase Slate®, but that doesn’t mean it’s not a great card.

The Chase Slate® offers a 0% APR promotion on purchases and balance transfers for 15 months, after which you’ll have a variable APR of 16.24% to 24.99%, depending on your creditworthiness.

In addition to that 0% APR promotion, you’ll also pay no balance transfer fee on any transfer you make within the first 60 days of getting the card.

As far as balance transfer credit cards go, this is one of the best.

Chase Slate® rewards and perks

The biggest drawback to the Chase Slate® is that it doesn’t offer rewards of any kind. But if you’re deep in credit card debt, that’s not necessarily a bad thing.

Think of it this way: Let’s say you have $10,000 in credit card debt on a card that charges a 17% APR.

If you were to transfer that balance to the Chase Slate® and pay it off in 15 months, you’d pay absolutely no interest and no fees.

If you keep it on the card, though, and pay it off in the same period, you’ll pay $1,170.51 in interest along the way. And if you transfer it to a different balance transfer card that charges a balance transfer fee — they’re typically 3% to 5% — you’d pay between $300 and $500 just to transfer.

Now, compare those savings with the rewards you’d earn on a different card. In many cases, you could easily get ahead financially by using this card.

One thing to keep in mind, though, is that the Chase Slate® caps balance transfers at $15,000 or your credit limit, whichever is less. And since there’s no way to predict what your credit limit will be, it’s possible that you won’t get enough to cover the amount that you owe.

Chase Slate® benefits

Balance transfers are the card’s bread and butter, but it also offers a 0% APR promotion on new purchases. So, if you need to finance a big-ticket item, this card may be a good option.

Keep in mind, though, that there are 0% APR credit cards out there that do offer rewards, including the Chase Freedom Unlimited® and the Blue Cash Preferred® Card from American Express.

The Chase Slate® offers other perks that, while not worth getting the card for them alone, can function as the cherry on top.

For example, you’ll get free access to your FICO credit score, which can help you see where you stand and how to improve, and also keep track of your progress.

You’ll also get purchase protection, which is a form of insurance against the damage or theft of most items you purchase with the card.

Chase Slate® costs and fees

We’ve already discussed the card’s APR promotion, but it’s important to remember that once that’s gone, your interest rate can be anywhere between a 16.24% and 24.99% variable APR.

That’s higher than the average credit card interest rate of 14.99%, according to the Federal Reserve. The cash advance APR is 26.24%.

The card has no annual fee and also doesn’t charge a penalty APR if you make a payment late. But keep in mind that if you do miss a payment, you could lose your 0% APR promotion.

Once the initial balance transfer waiver is over, the card charges a balance transfer fee of 5% or $10, whichever is greater. This is on the high end, as most balance transfer cards charge 3%.

But if you get all of your debt transferred over within 60 days of approval, you don’t have to worry about this fee.

Other fees include:

  • Cash advance fee of 5% or $10, whichever is greater.
  • Late fee of $15, $27, or $37, depending on the late amount.
  • Return payment fee of $37.

Does the Chase Slate® make sense for me?

The Chase Slate® is a great card if you’re trying to pay off credit card debt, but it’s not the only card that offers the combination of a 0% APR promotion and $0 balance transfer fee.

In fact, we’d even go so far as to say it’s not the best in that category. For example, the Amex EveryDay® Credit Card from American Express offers those same benefits plus a rewards program.

And that’s the main problem with the Chase Slate®. Once you’re done with the 0% APR promotion, it doesn’t provide a lot of value. So, if you’re looking to transfer a balance and pay it down quickly, check out both these cards and other top balance transfer cards.

As you consider the cards features and your goals, you’ll be able to find the right card for you.


Application Process: You can fill it out online or by calling Chase for an immediate response. 

Annual Fee: None.

APR: A generous introductory 0% APR on purchases and balance transfers for 15 months. After that, a variable APR of 16.24% to 24.99%, depending on your creditworthiness.

Rewards: None.

Bonus Offers: None.

Featured in
  • $0 introductory balance transfer fee for transfers made during the first 60 days of account opening.
  • 0% introductory APR for 15 months on purchases and balance transfers.
  • See monthly updates to your FICO score and the reasons behind your score for free.
  • No penalty APR on late payments.
  • $0 annual fee throughout the entire life of the card.