For the past three years, Chase Slate® has been recognized by our Editor's Choice Awards for its outstanding balance transfer offer. 2017 is no different: for the sixth year in a row, Chase Slate® was just awarded Best Balance Transfer Credit Card in our 2017 CardRatings Editor's Choice Awards.
While most issuers shy away from no-fee balance transfer offers, Chase Slate® doesn't; you can save with a $0 intro fee on transfers made within 60 days of account opening to go along with the 0 percent intro APR on purchases and balance transfers for 15 months. Plus, receive your Monthly FICO® Score for free. For that reason, it’s hard to beat Chase Slate®'s zero-percent introductory offer.
Chase BluePrint. If you're the kind of consumer who worries that you'll run out of runway after a strong balance transfer deal like this one, Chase has you covered. Chase Slate® cardholders get access to Blueprint, the bank's online budgeting tool that gives you four different ways to calculate how you'll pay down your balance. With the "Finish It" tool, you can find a monthly payment that fits your budget while helping you meet your financial goals. Blueprint's Split tool helps you split specific purchases from the rest of your balance, set category-based spending targets, and avoid interest charges on big-ticket purchases.
Chase Slate® is a top editor’s pick in the balance transfer category, and the overall winner on our best balance transfer credit cards feature. The no balance transfer fee benefit is one all our other top picks lack.
Other top picks include the Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases card (Citi is a cardratings.com advertiser), Citi Simplicity® Card - No Late Fees Ever, NASA Federal Credit Union Platinum Advantage Rewards, Barclaycard Ring™ Mastercard® and the PenFed Promise Visa® Card.
The Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases and the Citi Simplicity® Card - No Late Fees Ever both offer a slightly longer balance transfer introductory APR period of 21 months versus Slate’s 15-month offers - but both cards come with a 3-percent balance transfer fee. So, unless you really need those extra months, Chase Slate® may be your the better choice. On the other hand, if you want a card that you can use as a rewards card after your balance transfer is paid off, Discover it® - 18 Month Balance Transfer Offer is one of few cards with a both a solid cash-back rewards program and a strong balance transfer offer.
NASA Federal Credit Union Platinum Advantage Rewards and the PenFed Promise Visa® Card each have no balance transfer fee offers like the Chase Slate®, but without the zero-percent introductory rate. However, each of these cards allows you to enjoy a long-term low rate, making them all good options for those who are not able to pay off their balances in 18 months or less.
Unlike other cards in the no-frills category, Chase Slate® doesn't skimp on customer benefits, extending comprehensive purchase protection for purchases. Chase's program rivals those of many premium credit cards, offering reimbursement of up to $500 per claim against theft or damage for up to 120 days from the date of purchase. (There's a maximum benefit of $50,000 per account, far larger than the cap on many similar programs.)
Who Should Get This Card
This card is best for consumers with good to excellent credit who have a balance to transfer which they can pay off in 15 months or less. Use our balance-transfer calculator to determine potential savings of switching to Chase Slate®. Have this card? Help other consumers by adding a review below.
$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 3% of the amount of each transfer, whichever is greater.