Chase Slate®

slate credit card Sponsored Card
Required Credit Score: Excellent, Good
3.5 1120 reviews   Write a Review!
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Chase Slate®’s Rewards

This card does not offer rewards.

Chase Slate®’s Key APRs & Fees

Intro Rate on Purchases
0% for 15 months
Intro Rate on Transfers
0% for 15 months
Regular Rate
12.99% - 22.99% (V)
  • ANNUAL FEE $0
  • BALANCE TRANSFER FEE None

Chase Slate®’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 23.99% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • Pay less interest. Save on balances and new purchases.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee.
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.
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Chase Slate® Reviews

 
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3.4
Overall Rating: 3.4 / 5
Total Ratings: 1120
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Nov 18, 2014
Photo of Jon B.
4
By:
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.
Nov 10, 2014
Photo of Troy S.
2
By:
"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
Nov 8, 2014
Photo of Carmine P.
1
By:
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
Nov 6, 2014
Photo of Lewis G.
4
By:
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.
Oct 30, 2014
Photo of Julie M.
1
By:
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
Oct 16, 2014
Photo of Ashley L.
5
By:
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
Oct 15, 2014
Photo of Robert J.
3
By:
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
Oct 14, 2014
Photo of Miranda P.
4
By:
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.
Oct 12, 2014
Photo of Michelle B.
5
By:
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!
Oct 8, 2014
Photo of James J.
5
By:
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
Oct 7, 2014
Photo of Josh H.
5
By:
Great introductory APR, term and balance transfer offers to get my finances moving in the right direction...thank you Chase!
Oct 7, 2014
Photo of Ashley S.
4
By:
The Chase Slate card offers a great balance transfer rate, 0 % for the first 15 months. After the 15 month period the new APR is 12.99%, 17.99%, and 22.99%. This is a great option to have for those with higher APR's on other cards. The Chase Slate card is also offered to those with good credit instead of just excellent. Another perk of this card is that the is $0.00 annual fee for holding this card. If you happen to be late on a payment the max late fee is $35. In other cards I have seen as high as a $50 late fee.
Oct 6, 2014
Photo of Bryan V.
4
By:
Overall this is a pretty good card. The APR is very reasonable. Would recommend to other people
Sep 19, 2014
Photo of Yasmina R.
4
By:
The Slate Credit Card from Chase offers a 0% introductory rate for 15 months. The application process is very smooth. They also have a below average percentage rate than other credit cards. I would recommend to others consumers. It also offers $0 annual fees.
Sep 10, 2014
Photo of Colton Y.
5
By:
The Chase Slate card gave me a great 0% intro APR and balance transfer, so I could transfer my higher interest cards over. Not only was the introductory period great, but the actual fixed interest it gave me was 12% much lower than my other credit cards which had around 18%. This is the best card I have seen or had for anyone wanting a low interest card with great standard benefits.
Aug 11, 2014
Photo of Latasha H.
4
By:
The Chase Slate credit card has a great 0% introductory APR that sets it apart from other cards, like my capital one rewards card. The application and approval process was quick and painless, and their customer service is very friendly. I wish they offered a rewards program, but the other perks make the card worth it. No annual fee, no balance transfer fee, and most importantly no over the limit fee.
Aug 11, 2014
Photo of Ashley N.
4
By:
The Chase slate card has a reasonable APR. I've had this card for a few years now and they are easy to work with. Payments can be made right from the chase app so it's convenient.
Jul 22, 2014
Photo of Pipk S.
4
By:
Since I am moving into a new location, it is important for me to have a 15 month interest free credit card in order to purchase all of the necessities that I need for my new home. After searching around for different credit cards, I have came across the Chase Slate credit card. The Chase Slate credit card provided me with a reasonable regular rate and gives a 15-month 0% purchases interest rate, which I was extremely happy. Since I was approved I could now purchase all the essentials without having to worry about acured APR.
Jul 18, 2014
Photo of Danielle O.
5
By:
The Chase Slate card is pretty good. The fact that you have 0% interest for the first 15 months is wonderful and a strong incentive to pay off quickly. The regular APR is kind of high but even more reason to pay off within the 15 months. Also great that there is a 0% intro rate for transfers and $0 annual fee. Would recommend this card.
Jul 18, 2014
Photo of JeremyandAmanda D.
4
By:
I had a higher interest credit card that I wanted to start paying off. Chase Slate offered 15 month no interest on balance transfers along with no balance transfer fee and 0% APR for the first 15 months as well. When the 15 months is over, the APR would be considerably less than my other Discover Card. So far everything has gone great. The Application process was easy, I was approved right away, and they transferred my balance without any additional paperwork. If you are looking to transfer your balance for $0 then this is the right card for you.
Jul 17, 2014
Photo of Aaron H.
4
By:
While the Chase slate card does not offer some of the interesting rewards that a lot of modern cards offer it does have a great 1 year 0% interest introductory and Chase customer service has always been prompt and very helpful, I would highly recommend this card, especially for it's awesome 1 year 0% offer.
Jul 3, 2014
Photo of Karen C.
5
By:
I have a Chase Freedom card that I've used for many years, so when I was offered the Chase Slate card, I took it. The 0% introductory offer helped, though I really didn't need it at the time. Still, it was nice to know that when I used it, I wasn't going to be paying any interest -- which meant I didn't have to pay off my bill right away. I never put much on it, so when the interest rate increased eventually, I didn't have a balance. Even without the 0% offer, the rate on this card is reasonable. I've only had good experiences with Chase, so I'm keeping more
Jul 3, 2014
Photo of Joshua C.
4
By:
I got this credit card because of the introductory rate. It was 0% for an entire year, and I really do love this card. They offer text message and email alerts so that you always remember to make your payments. The interest rate after the introductory rate is a little high, but it is totally work it. It also helps that this card also just looks cool with it's vertical design and matte plastic material.
Jun 24, 2014
Photo of Beth G.
4
By:
I signed up for this credit card because they offered a 0% interest balance transfer rate, with no fee for transferring my balance. That is amazing! I haven't seen any other bank offer anything close to this. And it was 0% interest for an entire year! I made so much progress on paying down my debt as a result of signing up. The only reason I would give them four stars instead of five, is that once the grace period ends and the standard interest kicks in, the interest rate is higher than the other credit card I use.
Jun 17, 2014
Photo of Pamela G.
5
By:
I like this card. The interest rate has always been fair when it was necessary for me to carry a balance. One time my payment fell down between the seat and the console of my car and was not mailed on time. I called them and explained the situation and they removed the late fee. They have always been fair and I am very happy with it!
Jun 10, 2014
Photo of Jay L.
5
By:
The Slate card from Chase looks like it is a pretty good deal. It has no annual fee which is always nice, and its rate is also fairly low even after the introductory period. I like that there is no interest on transfer for the first year too. This would help someone pay off their debts more quickly, and I can see how this might be helpful for me in the future. My current card is from a credit union, so it has a much better rate. I realize that this rate is unrealistic for most people, so I feel that the Chase card is good for many out there.
May 26, 2014
Photo of Anunay S.
4
By:
Chase Slate card has been a great addition to my wallet about 6 months back. I tend to use this card more often as compared to other credit cards I have. This is primarily because of the 0% APR offered by Chase on the Slate card for the first 15 months. Moreover, there is no annual fee once one qualifies for the card. This is really nice as I avoid paying the annoying annual fee when compared to other credit cards even when I don’t use them. One thing which I don’t quite like about the card is the 3% foreign transaction fee, which is a little higher than other more
May 1, 2014
Photo of Kelly M.
2
By:
I have this credit card and I try to only use it for emergencies because the Interest rate is too high. I know it's based on our credit score, but our credit score as increased yet I cannot get a credit line increase or my interest rate lowered. I give it 2 stars.
Apr 7, 2014
Photo of Leslie J.
4
By:
I gave Slate from Chase a four out of five stars. It is an above average credit card. I didn't give it a full five stars because they do not offer a Rewards program. I like the Introductory offer of 0% APR for the first fifteen months. They also offer 0% interest on Balance transfers, which is a great way to pay off any other credit card debt you might have on other higher interest cards. The interest rate seems to be in the standard range for credit cards these days. It's not great, being above 12.99%. However, it is about par for the course when compared with other credit more
Apr 3, 2014
Photo of Chris O.
4
By:
The chase slate card is one of the most favorite credit cards I have ever owned. If you have any credit card balance you are trying to pay off you should use this card! Contact them, see if you qualify, and they will transfer a remaining balance from another card to them and give you over a year of interest free APR. I paid off an entire card's debt and saved thousands by using this card. Very highly recommended. The best card experience so far I've had.
Mar 18, 2014
Photo of Emily D.
4
By:
Great initial interest rate especially since you can get 15 months with 0% interest for balance transfers AND new purchases. Chase has great rewards programs that are fairly simple to use. I think the $25 late fee is high but it should be. This is a great card, if you qualify for it and want to continue qualifying for it, you should pay your bill on time. Chase has great customer service. I think this card is a great way to start using Chase if you’re not already. I love the bank, I love the card, their terms are fair, clear and upfront and their service is unmatched.
Mar 12, 2014
Photo of Kate P.
4
By:
This looks like a really good card - I have had other Chase rewards cards in the past and this one looks like it's even better. This Slate from Chase card, assuming you get a good APR rate, has 0% interest for 15 months on balance transfers as well as 0% interest on purchases for 15 months. That's better than 12 months, and the balance transfer option would be appealing to me. Chase is decent in general with customer service and online banking for their credit cards, and this card looks decent to me!
Mar 3, 2014
Photo of Stephanie W.
4
By:
The Chase Slate looks like an overall good card to have. I like the idea of a flat rate late fee. The over limit fee could be good or bad. If you need to go over for something, there's no option. But it does prevent you from actually going over. The penalty APR is about average for what most cards are now, but it would be nice to see one quite a bit lower. The 21 day grace period is great. With things going the way they are now, and with a lot of people scraping by, it's nice to know there is plenty of time to make up a more
Mar 3, 2014
Photo of Tammy G.
2
By:
I like the idea of the Slate card from Chase for the introductory interest rate of 0% for 15 months. The only way I would ever get this card was if I was in great need of funds that I knew I could pay on time and before the introductory rates were over. The late fee is quite hefty at $35. I like that there is no annual fee. I would never get a card with an annual fee. However, I like to use reward cards. Even if the rewards are slow in coming, they do help. I just got a free bread machine, pan and knife set that I more
Feb 19, 2014
Photo of Michael M.
4
By:
This is a great card. The APR is low and there are no hidden fees. I have had this card for over 5 years now and love it! I recommend the card to anyone and their customer support service is excellent!
Feb 18, 2014
Photo of Kara A.
3
By:
I think that I would only choose this card if no other cards were available to me. It seems like a decent card, but there are a few things that put me off. First of all, and this may sound silly but, I don't like the look of the card. While the look of the card wouldn't deter me from a great offer, it would dissuade me from taking up an average offer like Chase Slate. With so many other offers available, a great credit card really needs to have something to set it apart like rewards. For now, I'll stick with my shiny red BOA card.
Feb 17, 2014
Photo of Number T.
2
By:
I don't like the fact that this card offers no rewards. With the interest rates that one pays for this card, a person could have a different card with the same rate that pays in rewards.
Feb 2, 2014
Photo of Steven A.
3
By:
I personally prefer my Bank of America Cash Back card to this card, even though BoA can sometimes be a hassle. This card really needs some sort of incentive to get customers interested in using it, such as cash back, gift cards to specific store/restaurants, etc. I also do not care for the look of the card. I much prefer the regular landscape card as opposed to the vertical card this one uses. Although, I do enjoy the metallic feel this card has, it is very unique.
Feb 2, 2014
Photo of Jake F.
3
By:
I am absolutely in love with my Chase Slate card. This card is amazing, I just use it and pay it off each and every month. Here is a list of positives about it; easy management online with paying your credit card off each month. Friendly customer service each time I call. Another reason i really like this card, is that if i ever have a problem I can just travel to my neighborhood Chase branch and get my questions answered and taken care of. There are however some disadvantages to this card. As mentioned previously it does not offer any rewards incentives that many other Chase cards offer nowadays. more
Dec 24, 2013
Photo of David S.
3
By:
Honestly I don't like Chase in general so I'm not a big fan of their credit card products, with the exception of the Amazon.com card, Slate is no different. There isn't really any special reason to choose this card over any other and the fact that Chase is poor at customer service makes it worth avoiding. Honestly the only thing about it that I ever liked while I was using it was the design of the card itself which I thought was pretty unique and attention grabbing. Rates, fees and other features are pretty much standard, and the other big downside is that it offers nothing in return for using more
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Oct 20, 2014
Photo of Tonia H.
By:
How long does the balance transfer take?
Nov 19, 2014
Photo of Card H.
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.
Sep 6, 2014
Photo of Tom S.
By:
Is there a $ limit on balance transfers from another card ?
Sep 8, 2014
Photo of Card H.
After reading the FAQs on the company’s site, it seems that the total amount you can transfer from another card to Chase Slate can't be higher than your available credit or $15,000 (whichever is lower). This amount includes fees and interest charges.
Aug 29, 2014
Photo of Barbara K.
By:
If I use my Slate card to purchase a used car will this transaction be considered a cash advance?
Sep 12, 2014
Photo of Card H.
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.
Jul 21, 2014
Photo of Becky D.
By:
I have a question: if I transfer a balance but do not pay it off by the end of the 0% apr on balance transfers period-do I get hit with retroactive interest?
Jul 31, 2014
Photo of Card H.
After the end of the intro period your APR will vary from 12.99% to 22.99%, depending on your credit rating. The moment the regular rate comes into effect, you will start paying interest on the card’s remaining balance and you will not get charged interest retroactively.
Sep 7, 2012
Photo of Jason H.
By:
Has anyone transferred balance from one chase card to another chase card? Is there any implication to that?
Sep 7, 2012
Photo of Joshua B.
I have done it and I did not receive any extra fees . I talked to them on the phone while doing it. This was about 3 months ago
Sep 7, 2012
Photo of Loney M.
You are more than welcome to make a trial run into my account. I can let you know how it works our
Mar 8, 2012
Photo of Tamekia Q.
By:
Yes, this seems like a relly nice offer but there is a maximum balance transfer that the offer does not specify. I tried trnasfering a balance from another card and I was declined because there under the 'maximum' balance transfer amount allowed was over. I couldn't find anywhere in the credit card contracts specifically a maximum transfer amount. I was declined even though I was 2K below my maximum credit card spending limit.
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Last updated on: Nov 19th, 2014 at 11:36 EST