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Chase Slate Review (Currently Unavailable)

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

Offer status

This offer is no longer available from Chase. The information related to Chase Slate® has been collected by Motley Fool Money and has not been reviewed or provided by the issuer. Check out our best balance transfer credit cards for current offers.

The Chase Slate® was a top choice for its long promotional period and intro balance transfer fee of 0%. Balance transfers are a useful tool to help you consolidate your debt and pay it off interest free. Read our Chase Slate® review below for all the details.

Ratings Methodology

Chase Slate®

Great for: No balance transfer fee

Chase Slate®
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

14.99% - 23.74%, variable

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • The balance transfer fee waiver is becoming more rare among competing cards, which have removed this valuable perk. We suggest taking advantage while you can.

    • Great intro APR
    • No balance transfer fee
    • No annual fee
    • Free credit score monitoring
    • No rewards
    • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
    • 0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 16.99%–25.74% variable APR.
    • See monthly updates to your FICO® Score and the reasons behind your score for free.
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply.
    • $0 Annual Fee.

The information related to Chase Slate® has been collected by Motley Fool Money and has not been reviewed or provided by the issuer.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full Chase Slate review

This credit card is a good fit for: Cardholders who want to save money on their credit card debt with one of the best 0% intro APR balance transfer offers.

Top perks

0% intro APR for 15 months: The Chase Slate® also offers a 0% intro APR on both balance transfers and new purchases for the first 15 months after account opening. This is one of the longer 0% intro APR offers available on a balance transfer credit card, so it's a great option for people who are paying off debt and need a little extra time.

Keep in mind that credit card issuers generally don't let you transfer balances from one of their cards to another, and Chase is no exception. If you have credit card debt on Chase credit cards, you'll need a balance transfer card from a different card issuer.

No balance transfer fee: This is one of very few credit cards to offer a 0% fee on balance transfers made during the first 60 days after opening the account. After that, the balance transfer fee is 5% or $5, whichever is higher. If you're transferring a balance of $10,000, avoiding the standard 5% balance transfer fee would save you $500.

No annual fee: This credit card has no annual fee. It's important to select a card with the lowest fees possible if you're paying off debt.

Free credit score: You'll get to check your credit score for free, updated monthly, with the Chase Slate®. The card’s website will help you monitor your credit over time and break down the different factors that influence your credit score.

No penalty APR: Most credit cards have a penalty APR, often more than 30%, that is put in place if you miss two or more payments. This can make it difficult to pay off your balance. The Chase Slate® has no penalty APR, making it even better for paying down debt.

Read more: Best 0% Intro APR Credit Cards

What could be improved

No rewards: Rewards shouldn't be your first priority if you're paying off credit card debt, but it's worth noting that the Chase Slate® doesn't offer any. Cash back credit cards are a better solution if earning cash rewards is your primary goal.

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Suggested credit score

When applying for the the Chase Slate®, aim for a FICO® Score of 670 or higher -- ideally, over 700, though there are applicants who have gotten this card with credit scores below 670.

Another factor to remember anytime you apply for a Chase card is the Chase 5/24 rule. This is an internal rule the card issuer has that can lead to an automatic denial based on how many credit cards you've opened in the last two years.

This credit card is right for you if:

The Chase Slate® is an excellent card for refinancing credit card debt, because its 0% intro APR and fee-free balance transfers can save you quite a bit of money. However, you should look at this card only if all of the following are true:

  • You can repay your credit card debt within 15 months. If not, you should search for balance transfer cards with longer intro offers.
  • Your credit card debt is from non-Chase credit cards. You won't be able to transfer balances from Chase cards to the Chase Slate®.
  • You have $15,000 or less to transfer. Chase lets you transfer up to $15,000 or the credit limit of your card, whichever is lower.

Related: See Motley Fool Money's list of the best Chase credit cards

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.