Updated
Feb 28, 2022 Some offers mentioned on this page may be outdated. To confirm offers and credit card details, check the issuer’s website.
Chase Slate Review: Excellent for Balance Transfers
This card is no longer offered. To compare other cards, check out our picks for the best credit cards.
If you’re looking for an inexpensive way to pay down existing high-interest credit card debt, the Chase Slate card is a great option, thanks to its introductory 0% APR on balance transfers with no fees for transfers made within the first 60 days. But if you’re looking for a card with attractive rewards or other fun benefits, skip the Slate and instead consider the Chase Freedom Unlimited or one of the best rewards credit cards as rated by LendEDU.
In this review:
Chase Slate Card Benefits
What the Chase Slate card lacks in rewards, it makes up in its excellent introductory APR on both balance transfers and purchases, making it a great choice for cardholders who need to finance a large purchase and pay it off over time.
0% APR for 15 Months
Unlike some other cards, the Chase Slate card’s introductory 0% APR offer isn’t limited to just balance transfers — it also applies to new purchases for 15 months after you open your account.
No Balance Transfer Fee
Where the Chase Slate card really shines is its lack of a balance transfer fee, which is waived for the first 60 days your account is open. Most cards charge at least 3% for balance transfers, even during the 0% APR period.
However, if you make any approved balance transfers after the first 60 days, you’ll pay 5% of the total amount transferred. This is much higher than some other balance transfer cards available today.
Credit Monitoring Tools
Chase Slate cardholders can access the Credit Journey platform for free access to their FICO score as well as credit alerts to help them identify potential fraud. If you’re using the Chase Slate card to pay off other credit card debt and reach a good credit score, this can be an important resource for checking on your progress.
Chase Slate Card Downsides
If you don’t plan to make a large purchase when you open a new Slate account or don’t have existing high-interest credit card balances you’d like to transfer and pay off interest-free, the rest of what this card offers is fairly unexciting. A relatively high interest rate after the intro period and the lack of any cash back or rewards program mean there are better options for a card with long-term use potential.
Additionally, once the fee-free balance transfer offer ends, the 5% fee is on the higher end compared to other cards.
Chase Slate Customer Service
To reach Chase Slate customer service, you can visit the Credit Card Resource Center on the Chase website. There are self-service tools available there, or you can contact customer service specifically for personal Chase credit cards at 1-800-432-3117.
Bottom Line
The Chase Slate is a strong card if you want to make a large initial purchase or need to transfer existing high-interest debt from another credit card. When it comes to long-term use, though, you might want to opt for a rewards card that also offers an intro APR on balance transfers, like the Chase Freedom.