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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.
  • If you happen to miss a payment, you won't see a penalty APR kick in.
  • This card is our 2018 Best Balance Transfer Credit Card Editor's Choice pick.

Top Features

Balance Transfer Intro APR
0%
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
15.99%-24.74% Variable

Full Review

Brooklyn Lowery Site Editor

Chase Slate® Essentials

If you're looking to transfer a balance from a high-APR card and enjoy a lengthy 0 percent APR period, Chase Slate® could be the card for you.

Why? Chase Slate® waives balance transfer fees for 60 days when you open an account. It also offers 0 percent APR for 15 months on both balance transfers and purchases. Paying no APR or balance transfer fees initially means transferring a balance could save you a substantial amount of money if you're needing a few extra months to pay it off.

Imagine how much more quickly you could pay down your debt if every penny you pay on your bill each month goes to the principal rather than the interest.

You only have 60 days without a balance transfer fee, though, so you'll want to make the transfer quickly. The balance transfer fee is 5 percent of the amount transferred with a minimum of $5 after that introductory period.

What Our Editors Like Most About Chase Slate®

What sets Chase Slate® apart from other balance transfer cards is that it doesn't charge a balance transfer fee initially. Other cards may offer longer introductory periods with no APR, but they may also whack you with a 5 percent balance transfer fee from the start. That's not the case with this card.

A balance transfer fee can really add up. Let's say you want to transfer a $10,000 balance. If you have a 5 percent balance transfer fee, you would have to pay a $500 transfer fee. Right there Chase Slate® saves you a chunk of change and that's before you even consider the months to pay off that $10,000 without accruing interest.

Besides the balance transfer benefits, Chase Slate® waives any APR for the first 15 months on purchases, too. So, you can purchase a big-ticket item, pay it off within that intro time frame and not pay a penny in interest.

Chase Slate® doesn't charge an annual fee or implement a penalty rate if you miss payments either. You are still charged a late fee (as much as $37), and late payments are reported to the credit bureaus so it's still wise to make all your payments on time. You don't want your credit score to suffer.

Speaking of credit scores, Chase Slate® helps you keep tabs on your score. You get a monthly personalized credit dashboard that provides your FICO score and tips on how to improve your cscore and manage your credit.

The card additionally protects you with zero liability fraud protection and activity alerts if there are potentially suspicious purchases. Chase Slate® also offers the benefits of other Chase cards, including auto rental collision damage waiver and extended warranty protection.

Potential Downsides of Chase Slate®

Though Chase Slate® is an excellent balance transfer card, you can't transfer balances from another Chase account to Chase Slate®, which isn't unusual – most banks won't allow transfers like that – but it's also something to keep in mind.

There is no rewards program associated with Chase Slate®. There are other cards out there that offer you a balance transfer zero-interest period along with the opportunity to earn cash back or miles for travel, but Chase Slate® is geared specifically toward consumers who want to transfer balances and don't want to pay an annual fee or deal with a rewards programs.

There is a 3 percent foreign transaction fee, so this card isn't ideal for international travelers.

Though Chase Slate® does offer some perks like extended warranty protection, the card doesn't provide as many  perks as others, such as travel cancellation insurance or special promotions for hotels and airlines.

How Chase Slate® Compares to Other Balance Transfer Credit Cards

Chase Slate® vs. Chase Freedom®

Chase Freedom® offers the same 15-month introductory period with 0 percent APR on purchases and balance transfers and no annual fee; however, Chase Freedom® charges $5 or 5 percent, whichever is greater, on all balance transfers.

On the other hand, Chase Freedom® has a rewards program. Chase Freedom® lets cardholders earn 5 percent cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter when you activate. So, you may get 5 percent cash back at gas stations one quarter, while the next one could be restaurants. For all other purchases on Chase Freedom®, and on purchases over the spending cap, you get 1 percent cash back.

Chase Freedom® also gives you a $150 bonus when you spend $500 in the first three months and another $25 when you add your first authorized user and make a purchase within three months of opening your account.

Chase Slate® vs. Citi Simplicity® Card - No Late Fees Ever

The Citi Simplicity® Card - No Late Fees Ever provides a longer 0 percent APR introductory period than Chase Slate® (Citi is a CardRatings advertiser). While Chase Slate® gives 15 months, the Citi Simplicity® Card - No Late Fees Ever offers 21 months on both purchases and balance transfers. One difference though is the Citi Simplicity® Card - No Late Fees Ever charges a $5 or 3 percent balance transfer fee, whichever is more.

Neither card charges an annual fee or a penalty rate if you miss payments, but the Citi Simplicity® Card - No Late Fees Ever goes a step further by not charging a late fee. Now, that might sound like a great perk, but remember that those late payments still show up on your credit report. Missing a payment also doesn't help you bring down your balance. So, be careful taking advantage of this perk.

Chase Slate® vs. HSBC Gold Mastercard® credit card

The HSBC Gold Mastercard® credit card charges a 0 percent APR for the first 18 months on both purchases and balance transfers, but it does charge $10 or 4 percent, whichever is greater, as a balance transfer fee. So, the HSBC Gold Mastercard® credit card provides a longer time with no APR, but there is a fee, which you don't get with Chase Slate® for 60 days.

Neither card charges an annual fee, and the HSBC Gold Mastercard® credit card won't charge you a penalty rate if you miss payments (just like Chase Slate®).

Neither card has a rewards program, but the HSBC Gold Mastercard® credit card doesn't charge a foreign transaction fee, which makes it a potentially better option for international travelers.

Who Should Get Chase Slate®?

Chase Slate® is best for consumers who want to transfer a balance from a high-APR card and pay down their debt during the no APR introductory period. Beyond paying down your debt, Chase Slate® is an excellent card if you don't care about the bells and whistles of a credit card rewards program, but want a solid credit card without an annual fee.

This page was last updated on November 27, 2017

This card compared to other balance transfer cards

Balance Transfer Intro APR
0%
0%*
0%
Balance Transfer Intro Period
15 months
21 months
18 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.
3% of each balance transfer; $5 minimum.
3% intro for 18 months
Purchase Intro
APR:
0%
Period:
15 months
APR:
0%*
Period:
21 months
APR:
0%
Period:
18 months
Purchase APR
15.99%-24.74% Variable
14.99% - 24.99% (Variable) 
16.15%-25.99% (Variable) 
Annual Fee
$0
$0*
$0
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%
Balance Transfer Intro Period
15 months
Purchase Intro
APR:
0%
Period:
15 months
Purchase APR
15.99%-24.74% 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
  • 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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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 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 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • 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
Apply online for Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Credit Needed:
Excellent, Good