Chase Slate card review

Chase Slate card review

Updated: January 15, 2021
Updated: January 15, 2021
Ratings Policy
Balance Transfer Rating:
3.9 rating
3.9 rating
3.9 / 5
Introductory Offer:4.1
Net Value:3.0
Issuer Customer Experience2.9

In a Nutshell:

The Chase Slate card’s unique, no-fee introductory balance transfer offer makes it one of the most valuable balance transfer cards on the market. This offer is no longer available on our site.

View similar balance transfer cards

0% Introductory Period
15 months

Very Good

Transfer Fee

  • $0 first 60 days of account opening
  • $5 or 5% afterwards (whichever is greater)

Introductory Purchase APR
0% for 15 months


Regular APR
14.99-23.74% (variable)


Annual Fee


Chase Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 809 (30% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 4.4/5
  • Apple Store mobile app rating: 4.8/5

Other Notable Features: Blueprint finance management feature, EMV chip, price protection, purchase protection, extended warranty, free FICO credit score, free DashPass membership for 3 months, followed by 50% off next nine months of membership

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Note: This offer is currently unavailable on the issuer’s website. According to Chase, the card is still available in-branch.

It seems as though every card these days offers a zero-percent introductory APR, and it is difficult to create a distinctive offering in this category. While many issuers compete for the longest introductory period, the Chase Slate card takes things a step further with a balance transfer offer that is truly unique.

Among the cards that we’ve reviewed, the Chase Slate is the only card to offer an introductory zero dollar fee on balance transfers. Moreover, Chase offers some useful financial management tools to help you pay off the balance in full.

No-fee introductory balance transfer

The Chase Slate card offers an introductory 0 percent APR on balance transfers and new purchases for the first 15 months, plus no fee for balances transferred within the first 60 days the account is opened (14.99 percent to 23.74 percent variable APR thereafter). It also has no annual fee, so you can potentially transfer a balance from another card at no cost. There are a few other balance transfer cards out there with longer introductory periods, but they all charge balance transfer fees

Useful financial management tools

Chase Blueprint is a set a features that helps you manage borrowing and spending. It is useful if you are trying to pay down a balance. You can create a customized spending plan to help bring down your balance faster and monitor progress toward your goal. You can also track your general spending to improve your spending habits.

For disciplined spenders only

While the introductory APR on new purchases can be a good deal for someone looking to finance a new purchase, the card has some potential pitfalls for cardholders who are not timely with payments. The regular APR, which ranges from 14.99 percent to 23.74 percent, variable, is on the high side. And while the card doesn’t have a have a penalty APR, there is a late-payment penalty fee. When you add up interest and penalties, a revolving balance can really cost you.

No rewards program

There’s also no rewards program. If you don’t currently carry a credit card balance and aren’t planning to carry one, you should check out our rewards card category – you can rack up rewards points with a no-fee rewards card.

The Chase Slate card does provide an appealing offer for consumers looking to pay off a large balance.  If you take advantage of Chase’s unique financial management tools to create a payment plan for yourself and stick to it, you may be well on your way to getting rid of that balance for good.

Why get the Chase Slate card?

  • You’re carrying a balance on another card. The free introductory balance transfer offer will save you money in most cases.
  • You want to finance a large purchase with the introductory zero percent APR offer, and you have the discipline to pay it off in 15 months.

How to use the Chase Slate card:

  • Use Chase’s Blueprint to create a plan to pay off your balance.
  • Be sure to pay off your balance in 15 months. The regular APR, once it kicks in, is pretty high.
  • For additional advice, check out our complete guide to transferring a balance to your Chase card

Need a second opinion?

Read the review of the Chase Slate card from Heather Catalano at The Simple Dollar, who coins the Chase Slate as “the perfect tool to get out of debt.”

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