Chase Slate®

Required Credit Score:
Good
1,886 reviews   Write a Review
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Chase Slate®’s Rewards

This card does not offer rewards.

Chase Slate®’s Key APRs & Fees

Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months
Regular APR
13.24% - 23.24% (V)
  • ANNUAL FEE $0
  • BALANCE TRANSFER
    FEE
    $0 Intro

Chase Slate®’s Additional Info

  • MAX LATE FEE   See Terms
  • MAX OVERLIMIT
    FEE  
    See Terms
  • MAX PENALTY APR   None
  • GRACE PERIOD   See Terms
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.24% (V)
  • CASH ADVANCE
    FEE
    Either $10 or 5% of the amount of each transaction, whichever is greater
  • FOREIGN
    TRANSACTION FEE  
    3% of each transaction in U.S. dollars
  • SMART CHIP   Yes, chip-and-signature
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $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
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secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Chase Slate® to our community.

Is there a maximum balance transfer amount?
Reply

Photo of Card H.
Dec 3, 2015
Yes, the total amount of your request, including fees and interest charges, cannot exceed your available credit or $15,000, whichever is lower. In other words, it depends in part on whether you have an existing balance or any pending charges on this card. Please let us know if you have any other questions. We also recommend using our balance transfer calculator ( cardhub.com/balance-transfer-calculator/ ) to make sure you maximize your savings. Good luck!
34 Votes 39 5

If I am doing a transfer balance for the 15 months program, would I have to pay the transfer balance off within the 15th month period? Or would I just start paying the APR on the remaining balance?
Reply

Photo of Card H.
Oct 1, 2015
Ideally, you should pay off your full balance during the intro term, but interest will only apply to whatever balance remains at the 15-month mark if you don’t. In other words, interest won’t retroactively apply to your entire original purchase amount if you have a small unpaid balance when regular rates kick in, as would be the case with a “deferred interest” credit card.

And, just for future reference, one tell-tale sign that a credit card has deferred interest is the inclusion of language like “if paid in full by” used to describe its low-interest intro period in the terms and conditions. more
26 Votes 31 5

If I transfer a balance but do not pay it off by the end of the 0% APR on balance transfers period, will I get hit with retroactive interest?
Reply

Photo of Card H.
Jul 31, 2014
No, you will not. You will start paying interest on the card’s remaining balance after the 0% intro period ends. The APR after the into period will vary from 12.99% to 22.99%, depending on your credit rating. Hope this helps.
18 Votes 22 4
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Customer Reviews

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3.4 out of 5

1,886 reviews
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Photo of Card H.
Aug 17, 2015
Chase Slate is the leader of the pack of 0% balance transfer credit card offers that emerged from the ruinous debt of the Great Recession. In fact, the card is so good that we initially thought it to be too unprofitable to have much staying power. But Slate has nevertheless remained king thanks to its free balance transfer offer (0% for 15 months; no annual or balance transfer fees) and the fact that approval is perhaps easier to come by than many people would assume.

In order to make it an asset rather than a liability, however, one must use the Slate Card for its intended purpose and nothing more. You more
Photo of gman42
Feb 26, 2016
The biggest draw on this card is the 0% APR balance transfer for 15 months, which is one of the better offers you can get in the current climate. As for day-to-day use, it's fairly pedestrian, if you have anything with any kind of rewards program you'd be better off using them than this one. Was able to get my FICO score for free at one point which was nice; not sure if that's still offered. Only had to deal with customer service once (for waiving a late fee after paying two days late), and they were reasonably responsive and courteous.
Photo of mefordogs
Feb 24, 2016
I have had a Chase SLATE card for several years now. They gave me a $1,200 limit. They've never raised (nor lowered!) my limit. I've been late here and there. They don't really hound you about being a bit late. Of course they charge fees for it. The interest rate is pretty high if you mess up and go late on it. The Customer Service is fine. The card is easy to pay online. I don't think they send payment reminders, at least I've never gotten one. Wish they would! I would recommend not having any credit cards to others - however, the Chase Slate isn't too bad if you more
Photo of workingworker
Feb 8, 2016
I got this card because it was a little easier to qualify for when I started building my credit. I would like this card more if it offered some rewards for continued use but the positives outweigh the negatives. Overall this is still a great card that I would recommend to others because it has no annual fee, a long grace period, and no balance transfer fee. The customer service has been good, they are helpful and informative when I have questions and I've had no issues.
Photo of DrPhill77
Feb 1, 2016
I absolutely love this card. While it might not be the best there is their customer service absolutely makes up for it. I had my wallet stolen without noticing and somebody started going off on a spending binge and Chase put a stop to it before I even realized my wallet was missing. A CSR called me up and informed me off it and told me that their system noticed an unusual spending pattern and they locked it down. After I told them my card was indeed missing they went ahead and cancelled that card and got me set up with a replacement. At no point did they make me more
Photo of TurkishGamer
Jan 25, 2016
There is no monthly charge of using this credit card like there was on other credit cards. I would highly recommend it. Chase really works with you to make sure you understand under which conditions the best card for you is. A few times there were breaches on my cards, but I got emails that my card was being used for a possible fraud and I was able to tell them it wasn't me that bought the card and everything was handled pretty well. I wouldn't change a thing about it. Even the sturdiness of the card seems a little better than the other cards I have had. Overall I more
Photo of Mike Y.
Jan 4, 2016
Really love this card, First I have to state this was an extremely smooth process to get qualified for had my card in the mail within 2 weeks. What really appealed me to this card was the fact that it has 0 percent apr for the first 15 months, its the main reason why I obtained it. Another reason I love it was because chase is my bank and it also has 0 percent annual fee, this is my top card in my wallet!
Photo of Troy A.
Dec 30, 2015
So here is why i like this card and why i have continued to use it. I initially did a balance transfer over from my freedom card after I had my roof replaced, but then i found myself using this for all of my travel expenses. What is great about this card, is the ability to get your free FICO score. I still do use my freedom card, but this card is always in my wallet in the event i need it. Overall, it is a very solid, what i could consider "basic" card for whatever life throws at you.
Photo of Joshua F.
Dec 5, 2015
my feelings are mixed. they give incentives for balance transfer and even keep their promises even when i paid late once (which i thought meant automatic removal of 0% apr). i have no problem paying for anything with my chase card, which is more than i can say for my new chipped bank debit card. i've never been charged unnesesary charges. never had fraud charges appear.

now for the bad part. this is the 3rd chase card i have had in 4-5 years. each time i've had low income and yet they gladly gave me 1000+ dollars in credit. stuff like that is partly why the economy crashed in 2008 and more
Photo of Thaines H.
Nov 26, 2015
This card has been awesome with no APR for 15 months and the regular APR at 12% which is not the best but no the worst either. I use this card any time I want to make a large purchase and I'm happy to have it. It's one of my favorite cards so far.
Photo of Thomas S.
Nov 23, 2015
I just applied and was accepted for the Slate card about 2 weeks ago. I found it appealing because of the free balance transfer with 15 month interest free payments. I had another card that I had a good amount of debt on and I wanted to transfer it to this card so that I could save on interest. I am happy with this feature. The card is also good in other ways. It has a lower interest rate than my Wells Fargo card. And it also has 0% APR on purchases for the first 15 mnths. I am happy with this card.
Photo of Jacoby G.
Nov 9, 2015
The Chase Slate card isThe Chase Slate Credit Card is an excellent addition to any wallet; particularly if you have a credit card where the interest rate is anything over 7 percent. The Chase Slate card offers an amazing 0% balance transfer for 15 months. On top of that, there is absolutely no fee to transfer your balance from another credit card. The Chase Slate card also has no annual fee, which made it a no-brainer choice for me when coming over from one of my first credit cards that had a rather small balance but a super high interest rate and annual fee to match.
Photo of Justin A.
Nov 3, 2015
The Chase Slate card is good addition to any wallet. First, its large selling point is its offer of a 0% balance transfer rate for the first 60 days. It is a card that seems to be focused on serving its customers. It has no annual fee. It gives a 21 day grace period and offers you a monthly credit score. It seems to want to offer a respectable service but not cripple people with fees and inflated rates that do not use a credit card as properly as they should.
Photo of Robert D.
Oct 25, 2015
My deciding factor was when choosing the Slate Card from Chase is that I wanted a card that I can used anywhere when I am traveling and want to rent a car or shopped around the world. I knew the the slate card from Chase would gie me that opportunity.
I contacted customer service when I first received my slate Card with a ton of questions and
all my question was answer by a live person. Questions such as how do I create my password for cash advances. I was able to create my password in less than 5 minutes. for cash advances there is a 24.99% charge. I was more
Photo of Carlos M.
Oct 23, 2015
Beware of the 5% cash advance fee and poor customer service. I've been a Chase Slate customer for 17 years with a total credit limit of $30,500. I recently made 3 cash withdrawals and got slammed with a $40 fee per transaction. Granted they clearly state those fees online and in all the papers that you get from them, but when you're in front of the ATM and there is a $3.00 fee that you have to acknowledge and agree to before getting the cash advance (charged by the ATM owner) you forget about the 5% cash advance fee. Chase is very good about sending you text reminders for a more
Photo of Ashley C.
Oct 21, 2015
I have a 752 Credit score and I got approved like I knew I would for 12.99% APR. But I wasn't expecting to only get approved for $500. I was blown away. I have never been late on any of my payments with anything. I've seen people post reviews saying they have a poor credit score and make no money and still get approved for over $2000. I don't need the card for a balance transfer at all. I just wanted another Credit Card to keep my credit score high over the years. I have one Credit Card previously to this one that has over $3500 limit. I had one more
Photo of Chad P.
Oct 28, 2015
Don't feel bad, the same thing happened to me years ago.

Applied, they turned it down because they wanted Experian, the one bureau that contains the most invalid information, and the one bureau I purposely blocked for that reason. Called Chase, told them to pull Transunion or Equifax, don't care. After arguing, they pulled Equifax and "approved" it, but under the terms that the Experian pull would have given had it been approved.

From my best guess, if your Experian report is not pristine, Chase throws you in the lowest bucket.
Photo of Christian Y.
Aug 19, 2015
The Chase Slate card has quite a few benefits. Rewards are not one of them. This is a deal breaker. There are many other cards out there will no annual fee, 15 month intro 0%, and grace periods. This is an excellent card for a younger person who may need the grace period for forgetfulness. But as the cardholder grows older, he or she may want rewards or concierge services. I'v got the Citi Double Cash card which has all of the same stuff that the Slate Card has, but also 2% cash back. Just something to keep in mind when buying. Don't just think about what you need from more
Photo of Halida N.
Aug 5, 2015
Do not get this card!! This is a scam! After doing my research about which card to apply for, last night I applied for Chase slate. It seemed the best deal for saving money, offering 0% APR for purchases and balance transfers and $0 fee for balance transfers for the first 15 months. I applied online and got immediately approved for $3200. I created an online account and, after I logged in, I saw that I have 22.9%APR. This morning I called customer service and was explained that I did not get the promotional offer of 0% for the first 15 months! They said it is probably written somewhere that more
Photo of Logica D.
Jul 6, 2015
Do not get this card. The second my promotional period was over, they reduced my credit limit without notice, thereby making my credit to debt ratio worse and hurting my overall credit rating, regardless of the fact that I was current on my payments on all my accounts (Chase or otherwise). I didn't know that this had happened, and, thinking that I had at least $1500 available credit, I was caught off guard when I went to make a purchase and my card was denied.
Additionally, even though my promotional balance was paid long ago, they still charge me interest on the purchase balance that was not paid before the more
Photo of Kristin K.
May 20, 2015
I have had this card in the past and I have found it to be a pretty run-of-the-mill credit card. They didn't offer great points for purchases or any of the other "extras" many cards do, but the APR is reasonable if you have good credit. If you are looking to build points, try a different card.
Photo of Wade F.
May 9, 2015
I got the Chase Slate credit card around this time last year. I used applied because the Introductory offer was just too good. I transferred a balance and saved a ton of money with the 0% APR for 15 months. My card has been easy to manage with Chase's website. It never seems to be down for maintenance and is quick to update.
Photo of Michelle W.
May 4, 2015
The Chase Slate Card is a FANTASTIC card for anybody working on paying off small, high-interest debts. The 0% APR for 15 months allows you to transfer your debt onto the card and stop accumulating interest, at least for a year and three months. Obviously this course is only for the fiscally responsible, and could hurt the credit score of someone who wasn't conscientious about paying off the debt and just let it sit. One drawback is the lack of a rewards program; if that's something you need out of a credit card, I can understand your hesitance in signing up. But for someone like me-- working to pay off more
Photo of Sonal G.
Apr 23, 2015
I was recommended by a lot of my family to use a credit card with Chase. I have a pretty small outstanding debt on my other card which I needed to transfer balance on, and I applied for this card. Although you need to have good credit, I dont think that this is a big deal. What I liked the most about this card is that there was no fee, there's no annual fee (which my Amex has) and I loved the 0% Apr for 15th months. My debt was pretty small so this card really did help me in paying it off. Considering that I have also been a more
Photo of Tommy C.
Apr 17, 2015
When reviewing the Chase Slate credit card, there was one thing that I saw that made me really want to get this card specifically. The card offers 0% APR on purchases and transfers for the first 15 months and after that only between 12.99% and 22.99%. This is great for someone like me who has multiple cards that have high balances and high interest rates as I can just transfer the balance to this card and receive 0% interest for the first 15 months.
Photo of John L.
Apr 1, 2015
D O N T G E T
Photo of Cason K.
Mar 31, 2015
Having been a Chase credit card holder for years now, I was very interested in the Chase Slate card. It has no annual fee and competitive interest rates. Then I realized the card offers no rewards. Are you kidding? Even the most basic credit cards have some kind of rewards program. If you’re not interested in rewards, this may be the card for you, but you’re really wasting your effort because there are plenty of no fee cards out there that offer rewards (including the Chase Freedom card).
Photo of Logitech S.
Mar 19, 2015
The first time when I looked at this card I thought no way! A chase card for bard credit. I like the fact that it didn't have an annual fee so I didn't have to pay anything every year. Also I liked that the card was so small and easy to fit in my wallet compared to other cards. But what I hate is the smart chip. It almost never works when you need it. Also all the minor stores don't have coverage for the chip so it is basically worthless.
Photo of Lauren B.
Mar 16, 2015
My first Chase card was the Chase Slate card when I didn't have great credit. I was surprisingly accepted but the credit limit I began with was only $1000 which was really low. The rewards aren't anything great but it does have some decent features such as the $0 annual fee and the smart chip is awesome however, not all stores have the smart chip reader so then you have to swipe the card defeating the purpose. A card that is way better in rewards is the Chase Freedom. The rewards are awesome and the introductory bonus is if you spend $500 in the first three months you get $100 more
Photo of Rod W.
Mar 16, 2015
I have had a Chase card for over 15 years. My experience with this card has been extremely good. I have never had a error in billing or an incorrect charge to the card. The interest rate is competitive, however there are no rewards offered. Just a good solid credit card. Service has been excellent with knowledgeable representatives. I have appreciated the care shown when traveling recently without notifying Chase. They contacted me to confirm unusual charges immediately.
Photo of Simran K.
Mar 12, 2015
I have had chase cards ever since I was opened my first back account in Chase. I have used the Chase Freedom, ink, slate, blueprint and others. But out of all the cards I found this card very weird. The credit limit for starters is really low for this card if you have so-so credit. Then there is the application process. It takes forever and is so frustrating that I had to call customer care to cancel my request. I filled out the application again and all I got was a card with a $1000 limit. That is nothing compared to other cards. The only thing I like about this more
Photo of Gabriel D.
Mar 11, 2015
I APPLIED AND RECEIVED THE CARD WITH $500 CREDIT LIMIT (MY CREDIT SCORE 760) AND LATTER FOUND OUT THEY PULLED CREDIT REPORT FROM EXPERIAN TWICE FOR SAME APPLICATION. THEY REFUSED REMOVE SECOND INQUIRE. "BY APPLYING YOU AUTHORIZE US TO PERFORM HARD INQUIRIES AS MANY TIMES WE NEED" THEY PROCEDURE TO PULL 2 TIMES FOR VERIFICATION PURPOSES.
AFTER ALL I GOT 2 INQUIRIES ON ALL CREDIT BUREAU USELESS $500 CREDIT LIMITS PLASTIC
Photo of Jaron C.
Mar 6, 2015
I signed up for this credit card initially because I only had 1 before this and I needed a balance transfer. Mint recommended that I sign up for Slate due to a 1 year no interest deal, and I decided that I would pay it off in full before interest kicks in at the end of August of next year. So far I am well along in my goal and it seems like I will actually be able to pay it off before accruing any interest. If there is a downside to this card I would say that the interest fees are kind of high.
Photo of Sherman M.
Feb 27, 2015
As someone who travels abroad often I like the fact that this is a chip card. I know others are starting to roll them out but having recently been in Malaysia without a chip card, it made things difficult and frustrating. I am a fan of the 0% intro rate and transfers for 15 months and no annual fee. While a max APR of 22.99% isn't great it's still better than half the cards currently in my wallet - and that's the high end of the spectrum (assuming you don't trigger the penalty APR). A rewards card would sweeten the deal but otherwise this is a good card for those more
Photo of Sabina H.
Feb 26, 2015
I have been using Chase slate card for the past 2 years and it has served my needs really well. It offers great APR and the 0% for 15 months is just a life saver. I had my bag stolen from my work place and my credit card was used without my authorization. I placed a call to Chase and they cancelled the card immediately and wrote off the charges that was not authorized. The customer service is great and it gave me confidence when using this card!
Photo of Cobra M.
Feb 13, 2015
I really love this Chase slate card. It is the perfect credit card for me. I expected it to be less worthwhile than the Ink Plus Business Credit Card by Chase which supported my style better since I own a private business. There are a lot of benefits available in this card. One is that the max late fee is very affordable. Some of the credit cards I used to have a really high fee. Another feature that I really liked was the security of the card. The smart chip in the card is a feature that I love in all of my chase cards. It protects my identity when more
Photo of Portia H.
Feb 12, 2015
I like the Chase Slate card. After doing my research on several other cards the 0% APT for 15 months sold me. Compared to my MasterCard who only gave me 6 months with 0% APR. I like the Grace period is 21 days instead of the 6 days i get for my MasterCard. I have seen other cash advance rates as high as 10%, so the Slate card's 3% was just another reason to sign up. I'm glad I did because i was approved within minute, with my card being delivered within 5 days. All in all i would recommend this card for people looking for a stress free experience with no hidden fees, or hidden percentage increases.
Photo of Jim F.
Feb 11, 2015
I like Chase Bank in general, and especially this card. I agree with many of the other reviewers on the 0% rate for 15 months. I transferred my balance from another banks card to this card without any problems. Depending on the percentage rate I get after the initial 15 months, I will probably stay with Chase.
Photo of Jarett C.
Feb 11, 2015
I've had the Chase Slate card for about a year and I have ZERO bad things to say about it thus far. The opportunity to transfer balances for 0% APR for 15 months was great for me, and the rewards system it employs is very beneficial for how my wife and I shop. We pay on the card every month, so we have not needed to utilize the 21 day grace period, but it's nice to know that it's there if we need it. The icing on the cake for me is that, unlike other cards, there is NO ANNUAL FEE! If you're looking for a card that offers a more
Photo of Nate G.
Feb 2, 2015
The Chase Slate is a great card for just about anyone. They start you off with zero percent annual percentage rate for fifteen months or so. This includes transfers and purchases. It also has no annual fee at all. They also have a 21 day grace period which is really nice too. The foreign transaction fee is reasonable and the rates in general are reasonable. All in all, this card has some really great benefits and is worth giving a shot to if you want a good card with good benefits and a really nice cushion with the grace period.
Photo of Jim F.
Feb 11, 2015
I like Chase Bank in general, and especially this card. I agree with many of the other reviewers on the 0% rate for 15 months. I transferred my balance from another banks card to this card without any problems. Depending on the percentage rate I get after the initial 15 months, I will probably stay with Chase
Photo of Mercedes B.
Jan 14, 2015
I liked this Chase Slate to start with, but I have since decided to cancel it. the balance transfers really made me reconsider. I really was apprehensive about it because my initial transfer was denied. I just didn't want to go through all the trouble of trying to figure out what was going on so I decided to cancel. I will admit that the card has really good benefits, especially the extra cushion of an extended grace period. I'd recommend it for more patient people than I am. I simply could not be bothered with getting customer service on the line every time I needed to complete a transfer. The more
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Last updated on: Aug 12th, 2016 at 5:28 EDT

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