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Chase Slate® Review

Our Editor's take

This card is a top editor's pick due to it being one of few zero-percent introductory APR balance transfer offers with $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
Curtis Arnold Curtis Arnold

Full Review

Curtis Arnold Editor-in-chief
If you’re in the market for a balance transfer credit card, Chase Slate® card is a great option. While most issuers shy away from no-fee balance transfer offers, Chase bucks the trend by continuing to offer a $0 introductory balance transfer fee for its Chase Slate® card for several years now. For that reason, it’s hard to beat Chase Slate’s zero-percent introductory offer.

The introductory offer features an attractive zero-percent introductory rate on balance transfers and purchases for 15 months. After the introductory period ends, there is a variable balance transfer and purchase APR of 12.99, 17.99 or 22.99 percent based on your creditworthiness. As an introductory offer, transfer your higher-rate balances during the first 60 days your account is open you will pay no balance transfer fee. After the first 60 days your account is open, the fee for future balance transfers is 3 percent of the amount transferred, with a minimum of $5. There is no annual fee.

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.

How This Card Compares to Other Cards

Chase Slate® is a top editor’s pick in the balance transfer category. Other top picks include the Discover it® card, Citi Simplicity® Card, NASA Federal Credit Union Platinum Advantage Rewards, Barclaycard® Ring MasterCard® and the PenFed Promise Visa® Card.

Discover it® card and the Citi Simplicity® Card both offer a slightly longer balance transfer introductory APR period of 18 months versus Slate’s 15-month offers. However, both cards come with a 3-percent balance transfer fee. So, unless you really need an extra three months, Chase Slate® is probably 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 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, Barclaycard® Ring MasterCard® 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.

Chase Slate® details

Balance Transfer Intro APR
0% Intro APR on balance transfers
Balance Transfer Intro Period
for 15 months
Purchase Intro
0% Intro APR on purchases
for 15 months
Purchase APR
12.99%, 17.99%, 22.99% Variable 
Annual Fee

What Chase says about this card

  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Credit Card Consumer Average Ratings:

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Credit Card Consumer Reviews:

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    jazzy ( Jan 6, 2015 at 11:01 pm)

    I got this card recently and quiet happy with it. Transferring balance to this card saved me a lot of interest I had to pay otherwise. They gave me a good enough credit limit as well. Introductory 0% interest period is much longer as compared to other cards so hopefully i would be able to payoff my balance avoiding interest :)

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    guru of high finance ( Feb 25, 2014 at 12:58 pm)

    I made the mistake of being drawn in by the transfer balance. I have since paid off my balance and do not wish to give them any more of my business. When making an electronic payment, it takes them 5-7 days to process this payment. During this time if you set the payment to execute on the due date, they assess a late fee because the payment has not gone through on the electronic side. This is the only card that does this. Need less to say they accrue most of their money from those dishonest and ill-gotten methods. In actuality the due date is not the real due date, it is 5-7 days before the due date. If this review saves one person from making the same mistake it was worth it.

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Apply online for Citi Simplicity® Card

Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Credit Needed:
Apply online for BankAmericard® Credit Card

BankAmericard® Credit Card

  • NEW OFFER! 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed: