Chase Slate®

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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
12.99% - 22.99% (V)
    $0 Intro

Chase Slate®’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   21 days
    24.99% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Apply Now
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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 fraud protection on this card

Photo of Card H.
Jun 3, 2015
All credit cards come with a $0 liability guarantee. That means you'll never have to pay for unauthorized transactions made with your account.
3 Votes 4 1

How long does the balance transfer take?

Photo of Card H.
Nov 19, 2014
According to the terms of the Slate card, 10 days after the company mails you the credit card, balance transfers will be applied to your account and sent to payees.
3 Votes 6 3

If I use my Slate card to purchase a used car will this transaction be considered a cash advance?

Photo of Card H.
Sep 12, 2014
It can only be considered a cash advance if you use your card to withdraw money from the ATM and then use that money to pay for the car. It is not a cash advance if you pay using the actual credit card.
2 Votes 2
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Customer Reviews

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3.4 out of 5

1,571 reviews
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 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
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
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
Photo of Justin S.
Jan 9, 2015
I applied for the Chase Slate card due to an awesome Balance Transfer promotion which allowed for no APR for 1.5 years along with no transfer fees. I was able to use it for this and it helped me reduce my debt on another card. Unfortunately, once the promotion ended, my use for the card declined as the APR I have is pretty high at 21%. I now only use the card for absolute emergencies, and even then I tend to try to avoid it. It does have a low minimum monthly payment, but I tend to pay off the card whenever I can in one payment to avoid the more
Photo of Joshua D.
Dec 31, 2014
I got 12.99% AFTER 0% for 15mths, the best rate. Thank you CHASE. No annual fees, easy international usage with CHIP+Signature. Use it everywhere.......I have no use for BT due to none or low-balance (but OTHERS may take advantage of BT.)..
Photo of Kay T.
Dec 23, 2014
I got the Chase Slate card 8 months ago and so far I am pleased with it. Easy to apply for, approved within minutes and I like the introductory offer of 0% APR for the first 15 months. I really like Chase's mobile app so I can pay my balance on the go, and their emails reminding of a payment due. I like this card’s interest rates better than my Capital One card.
Photo of Krishna G.
Dec 22, 2014
I have had this card for several years now . I think its most exciting feature is 0% rate for 15 months . Its better than many other cards available in the business . Also the minimum monthly payment is considerably less to keep you going . It does not offer any rewards so you are not really attracted towards more and more shopping . I happily use it to clear off any of my year end debts each and every year . Thinking about the ease of payment makes me feel relaxed .The credit history is one thing that people should think of before getting it , because for more
Photo of Erwin Z.
Nov 27, 2014
I like the most of the characteristics of this Chase Slate card, especially the $0 introductory balance transfer fee, although I do wish it were longer than 60 days, maybe 90 days at least. The cash advance fee seems a bit high given the good to excellent credit rating one needs for this card, so I don't think I would get too many cash advances with it, but you never know so it is good to have it just in case. In contrast to my Citibank card it is much better though. I think the best thing about this card is probably the smart chip that adds security to it more
Photo of Jon B.
Nov 18, 2014
I liked this card because of the 0% interest on the balance transfers. It was helpful to give me some time as I worked down debt that I accumulated during college. I wasn't a huge fan of the transfer fee but I understand how/why it works.
Photo of Troy S.
Nov 10, 2014
"Pay less interest. Save on balances and new purchases" - seems legit. Taking a glance the no charge for balance transfers and 15 months interest free make this a great idea for anyone with any kind of interest fee or credit card balance. I find the fee for balance transfers after 60 days odd, my current card has no such fee. Additionally, the interest rates after the first 15 months are high and a bit confusing. Which rate will you be given? And it says that they are variable but only give three rates... I am considering using this card but mainly for the first 15 months of interest free more
Photo of Carmine P.
Nov 8, 2014
I signed up for this card specifically for the $0 balance transfer fee. I spoke with a live representative on the phone to set up the balance transfer. I told them that I wanted to transfer a balance from my business line of credit with my other bank to the card. I specifically informed them that this was a business line of credit and not just a credit card. I asked if this was ok and they said it would work. So I waited and waited and I never saw my balance transfer. I called Chase to ask what the status was and THEN they tell me that they denied more
Photo of Lewis G.
Nov 6, 2014
The Chase Slate credit card is an amazing option for those who have fallen a little behind on their bills and need a quick solutions to provide them with what they need. I say this because it offers a very competitive APR and the late penalties aren’t too bad either. I also like the fact that the minimum monthly payments aren’t too high. They are pretty good about allowing you to increase your credit limit after you have made your minimum monthly payment on time for several months. Overall, this is a great option for those who want a basic credit card.
Photo of Julie M.
Oct 30, 2014
I will NOT ever apply for a Chase Slate Credit Card. From my husband’s experience, he has had this credit card for over 12 years. When we got in a spot we really had to use it (his mother passed away and she didn't have insurance and we didn't have the money on hand for her funeral), the balance was over 12k. He has called numerous times trying to get interest rate down and they would not. He's paying 24% interest. We finally got it down to around 8k. So we got an equity line in Sept. and sent a check to pay off the balance shown on the most more
Photo of Ashley L.
Oct 16, 2014
I originally applied for this particular card because of the balance transfer option. The annual percentage rates on my other cards were getting outrageous, and I was looking for a credit card that offered a lower rate. I did a lot of research on credit card rating web sites, and the Chase Slate card looked ideal because it offered fifteen months of zero percent annual percentage rate charges--which applied to all balance transfers within the first few weeks. So far I have had the card for about four months and have been able to pay down a lot more of my debt than before (when I was paying an arm more
Photo of Robert H.
Oct 15, 2014
The Chase Slate credit card is for those with excellent or good credit (660 and above FICO score). I think it's a great card for those who fit into this credit range, as the interest rate for purchases is 0% for 15 months, and the regular rate afterwards can be as low as 12.99%. Some cards can start at 18%. There is no annual fee, and the grace period is a fair 21 days. However, there are no rewards.

Because this card is for those who fall into a lower credit score, the fact there are no rewards is a good thing, because there will be no enticement to make purchases more
Photo of Miranda P.
Oct 14, 2014
I have had this card for several years and have been very pleased with what it offers. The 0% interest for balance transfers up to 15 months is generous. They offer this as the introduction rate but also from time to time for existing customers. The BluePrint features really help you to pay a balance down faster, avoid interest on specific purchase types and track all spending so that you can better manage your money. Nice card to have overall. The only reason I am not giving it 5 stars is because there is no rewards program.
Photo of Michelle B.
Oct 12, 2014
I love this card!!!! I love the zero interest for 15 months and the free 60 day balance transfers. You can do balance transfers easily online, and the customer service is fantastic! I would recommend this card to everyone, it's worth it's weight in gold just for that alone. LOVE IT!
Photo of James J.
Oct 8, 2014
I mean what can I say I have had this card for a while and all I can say is, this card has never let me down. I mean everyone knows about the amazing ARP and the 0% intro rate, but its the other things that make this card great. Like the max late fee is only 35.00, the mobile apps, and the easy application process. Overall this card is great my only major gripe is that there are no rewards programs, which is a mainstay now of almost every credit card these days. I am very happy with this card overall I feel like this was a great investment more
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Last updated on: Oct 2nd, 2015 at 4:11 EDT

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