Chase Slate Review: 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.
Last updated Sep 8, 2020 | By Kevin Payne

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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, you can pay off your debt quicker. When it comes to helping its customers, the Chase Slate Card does the job it was created to do.

0% intro APR on balance transfers

Chase Slate Card

Chase Slate Card

Chase Slate Card


  • 0% intro APR on balance transfers and purchases
  • $0 fee for balance transfers in first 60 days
  • Credit Journey to monitor credit score
  • No annual fee


  • No rewards program

Who should get this 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 intro APR of 0% on new purchases and balance transfers for 15 months. 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 balance transfer and 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 US.

Card Basics

Card type 0% APR
Card issuer Chase
Annual Fee $0
Recommended Credit Score Excellent, Good
Intro APR 0% APR on new purchases for 15 months

0% APR on balance transfers for 15 months

Foreign Transaction Fee 3%

Top Card Benefits

  • Introductory balance transfer offer: Chase Slate helps you pay off high credit card debt with a 0% APR on balance transfers 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.
  • Introductory APR on new purchases: Have any large expenses coming up soon? Take advantage of Chase Slate’s 0% APR on new purchases for 15 months to pay back your purchase over time.
  • $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.

Common Questions

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

Chase Slate required a minimum of good credit. This means you’ll generally need a FICO credit 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?

The Chase Slate is strictly a balance transfer card. The Chase Freedom also offers a low introductory APR on balance transfers, but it also earns cashback rewards and has a $200 cash back bonus after spending $500 in the first 3 months.

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 isn’t the right fit, another option for balance transfers is the Citi Simplicity Card. This credit card offers new cardmembers a 0% introductory APR for 18 months on balance transfers. Receive a 0% intro APR on new purchases for 18 months, as well. There’s a $0 annual fee with the Citi Simplicity Card.

Want a balance transfer 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 $1,000 in purchases in the first 3 months. You also get 2X points per dollar on the first $6,000 spent at U.S. supermarkets each year, and 1X on everything else. Don’t forget that Amex EveryDay also offers a 0% APR on balance transfers and purchases for the first 15 months.

0% intro APR on balance transfers

Chase Slate Card

Chase Slate Card

Chase Slate Card

Special Offer

Get 0% Introductory APR on balance transfers and purchases for the first 15 months

See how these cards compare:

Citi Simplicity Card
Citi Simplicity Card
  • 0% intro APR on purchases and balance transfers for 18 months
  • FICO Credit Score monitoring
  • No late, penalty, or annual fees
Amex EveryDay Credit Card
Amex EveryDay Credit Card
  • 2X points at U.S. supermarkets
  • 20% point bonus when you use your card 20 times in a billing cycle
  • 0% intro APR on purchases for 15 months
  • Terms apply