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Apply online for Chase Slate®
About Our Ratings
Credit Needed
Excellent/Good

Chase Slate® Review

Pros & Cons

  • Save with a $0 intro fee on transfers made within 60 days of account opening, plus 0 percent APR on purchases and balance transfers for 15 months.
  • Our 2017 Editor's Choice pick for Best Balance Transfer Credit Card.
  • If you happen to miss a payment, you won't see a penalty APR kick in.

Top Features

Balance Transfer Intro APR
0% Intro APR on Balance Transfers
Balance Transfer Intro Period
15 months
Balance Transfer Fee
$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Purchase APR
15.74%-24.49% Variable

Full Review

Curtis Arnold Editor-in-chief

2017 Best Balance Transfer Credit Card Offer: A Continued Winner

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 rowChase 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.

How This Card Compares to Other Cards

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 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 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.

This page was last updated on May 22, 2017

This card compared to other balance transfer cards

Balance Transfer Intro APR
0% Intro APR on Balance Transfers
0% Intro APR
0%*
Balance Transfer Intro Period
15 months
for 15 billing cycles for balance transfers made in the first 60 days
21 months*
Balance Transfer Fee
$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
$0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
3% of each balance transfer; $5 minimum.
Purchase Intro
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0% Introductory APR on purchases
Period:
for 15 billing cycles
APR:
0%*
Period:
21 months*
Purchase APR
15.74%-24.49% Variable
12.74% - 22.74% Variable APR on purchases 
14.24% - 24.24% (Variable) 
Annual Fee
$0
$0.00
$0*
Rates and Fees
This card may interest those customers with good to excellent credit looking for a no-frills credit card with a balance transfer offer and no annual fee.
CardRatings.com Editorial Staff

Chase Slate® details

Balance Transfer Intro APR
0% Intro APR on Balance Transfers
Balance Transfer Intro Period
15 months
Purchase Intro
APR:
0% Intro APR on Purchases
Period:
15 months
Purchase APR
15.74%-24.49% Variable
Annual Fee
$0

What Chase says about this card

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • 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:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Big kahuna ( Sep 14, 2015 at 10:42 am)

    Same issue was lead to believe the transfer no interest for 15 months on another account to be paid --wrong they wanted to issue me a credit card instead with not enough to pay off the other account I did not ask for another credit card with a small balance on it their advertising is a dishonest way of pulling in clients for their own prosperty. I called and cancelled as soon as I saw the credit allowed....this is not a card I respect.....


  2. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    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 :)


  3. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    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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Featured offers
Currently available on the Chase Slate®
Save with a $0 introductory balance transfer fee and get 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your monthly FICO Score for free.

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Apply online for BankAmericard® Credit Card

BankAmericard® Credit Card

  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO(R) Score for free within Online Banking or your Mobile Banking app
Credit Needed:
Excellent/Good
Apply online for Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee... EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Credit Needed:
Excellent/Good