Chase Slate Review [2024]: The Balance Transfer Card With Low Fees

The Chase Slate Card doesn’t offer any rewards, but it does have something more valuable for people with existing credit card debt.
Updated July 2, 2024
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Editor's note: The Chase Slate card is no longer available and has been replaced by the Chase Slate Edge.

If you’re dealing with high credit card debt, it may not make sense to sign up for another credit card until it’s all paid. However, the Chase Slate Card could be your saving grace.

With waived balance transfer fees and an attractive 0% intro APR offer, it could help you pay off your debt quicker. When it comes to helping its customers, the Chase Slate Card generally does the job it was created to do.

0% intro APR on balance transfers

Chase Slate Card

Chase Slate Card

Current Offer

Long 0% APR period on purchases and balance transfers

Annual Fee


Benefits and Drawbacks
Card Details

In this Chase Slate Card review:

Who should get the Chase Slate card?

The Chase Slate Credit Card is designed for consumers with high credit card balances in mind. Because it’s categorized as a balance transfer card, it’s a solid option to use for transferring existing credit card balances over.

With the Chase Slate, you’ll get an introductory offer of 0% APR on new purchases for 15 months (then 16.49% to 25.24% (variable)). It also offers a 0% intro APR on balance transfers for 15 months (then 16.49% to 25.24% (variable)). Even better, new Chase Slate account holders don’t have to worry about balance transfer fees; you’ll pay $0 for transfers made within 60 days of account opening. After that: $5 or 5%, whichever is greater.

If you’re looking for a Chase credit card that offers rewards, such as cashback or travel perks, the Chase Slate is not that card. It offers few perks outside of its introductory APR offers.

If you love to travel, there are no travel rewards offered with Chase Slate. Also, this Chase card carries 3% foreign transaction fees on purchases outside of the U.S.

Card basics

Card type 0% APR
Credit card issuer Chase
Credit card network Visa
Annual fee $0
Recommended credit score Excellent, Good, Fair
Intro APR 0% APR on new purchases for 15 months (then 16.49% to 25.24% (variable))

0% APR on balance transfers for 15 months (then 16.49% to 25.24% (variable))

Foreign transaction fee 3%

Chase Slate Card benefits and perks

  • Introductory balance transfer offer: Chase Slate helps you pay off high credit card debt with a 0% APR on transferred balances for 15 months. Plus, you’ll pay $0 for transfers made within 60 days of account opening. After that: $5 or 5%, whichever is greater. After the intro period ends, the interest rate increases to the regular variable APR of 16.49% to 25.24% (variable).
  • Introductory APR on new purchases: Have any large purchases coming up soon? Take advantage of Chase Slate’s 0% purchase APR for 15 months to pay back your purchase over time. After the introductory period, the interest rate increases to the regular APR of 16.49% to 25.24% (variable).
  • $0 annual fee: Never worry about paying a fee for being a Chase Slate cardholder. There’s a $0 annual fee associated with this credit card.
  • Fraud protection: With Chase Slate, you get real-time fraud protection. This includes phone, text, or email alerts when unusual activity is detected.
  • Free credit score: Check your credit score any time with Chase Credit Journey. Checking your score doesn’t affect your credit negatively, and you can receive email alerts about changes to your credit report or score.
  • Purchase protection: If you make an eligible purchase with your Chase Slate Card, you'll get 120 days of protection against damage or theft, up to $500.
  • Extended warranty: When you make an eligible purchase with your Slate Card, you'll get a one-year extension on warranties that are less than three years in duration.

Drawbacks to the Chase Slate Card

  • No rewards program: If you want to earn cash back or points from your spending, you may want to look elsewhere. Unlike some other popular Chase rewards credit cards, there is no rewards program with the Chase Slate Card. 
  • Credit score requirement: To get approved for the Chase Slate Card, you'll most likely need a good or an excellent credit score. 

Chase Slate Card FAQs

What credit score do you need for a Chase Slate credit card?

Chase Slate requires a minimum of good credit. This means you’ll generally need a FICO score of at least 670 to qualify for this Chase card.

Can I get cash back on my Chase Slate credit card?

The Chase Slate credit card doesn’t earn any cashback rewards — there are no rewards associated with the Chase Slate card at all.

However, Chase Slate does offer cash advances. The fee for cash advances is $10 or 5%, whichever is greater. The cash advance APR is 26.49% (variable).

How do I do a balance transfer to a Chase Slate card?

You can transfer a balance in several ways with the Chase Slate card. When you apply online, there is a section of the application that allows you to request a balance transfer.

You can also initiate a balance transfer online by logging into your account. Log in, choose the card you want to transfer a balance to, choose the amount, and complete the transfer.

Up to three balances can be transferred to your Chase Slate card account. The total balance transfer amount, including any fees, cannot exceed your available credit limit or $15,000, whichever is less.

What’s the difference between Chase Slate and Chase Freedom Unlimited?

The Chase Slate comes with a generous intro APR offer, but it doesn't earn rewards. The Chase Freedom Unlimited offers an intro APR period too: 0% on purchases for 15 months (then 20.49% - 29.24% Variable). However, it also earns cashback rewards and has a sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).

How do I cancel a Chase Slate credit card?

If you need to cancel your credit card, make sure you have completely paid your card balance and have no pending charges. Then, call Chase’s customer service department at (800) 432-3117 and ask for your card account to be closed. You can submit a written cancellation request to Chase, which will provide you with proof of your cancellation request date in case there is any dispute.

Other cards to consider

If the Chase Slate doesn't sound like the right new card for you, another option for balance transfers is the Citi® Diamond Preferred® Card. This credit card offers new cardmembers a 0% introductory APR for 21 months (then 18.24% - 28.99% (Variable)) on balance transfers. Receive a 0% intro APR on new purchases for 12 months (then 18.24% - 28.99% (Variable)), as well. There’s a $0 annual fee with the Citi Diamond Preferred Card. 

Want a 0% APR card that also earns rewards? Then check out the Amex EveryDay® Credit Card, which offers new cardholders the chance to earn 10,000 membership rewards points after making $2,000 in purchases in the first 6 months. You also get 2X points per dollar (on the first $6,000 spent at U.S. supermarkets each year, after that 1X), and 1X on all other eligible purchases. Don’t forget that Amex EveryDay also offers a 0% APR on purchases for the first 15 months. After the intro period, the APR will go up to 18.24% to 29.24% (variable).

All information about Amex EveryDay® Credit Card has been collected independently by FinanceBuzz.

0% intro APR on balance transfers

Chase Slate Card

Chase Slate Card

Why We Like It

Long 0% APR period on purchases and balance transfers

See how these cards compare:

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
  • 0% intro APR on balance transfers for 21 months, then 18.24% - 28.99% (Variable)) APR
  • Choose your payment due date
  • $0 annual fee
  • Rates and fees
Amex EveryDay® Credit Card
Amex EveryDay® Credit Card
  • Earn 10,000 Membership Rewards Points after making $2,000 in purchases in the first 6 months
  • 2X points on U.S. supermarkets (up to 6,000 per year, after that 1X)
  • 20% point bonus when you use your card 20 times in a billing cycle
  • No annual fee. Terms apply.
  • Terms Apply

Author Details

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.