• 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
  • NEW 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
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
15 Months
15 Months
$0
0%
12.99% - 22.99%*
0%
12.99% - 22.99%*
Variable
Variable
Annual Fee
Purchase Intro APR
15 Months
$0
0%
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
15 Months
12.99% - 22.99%*
0%
12.99% - 22.99%*
Variable
Variable

Offer Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions the provider's website.

Cash Advance Rate See Terms
Cash Advance Fee 5%, Min: $10
Late Fee See Terms
Balance Transfer Fee $0

Savings

Savings over 1 year $539
Savings over 3 years $1,261

Transaction Type Value

Savings Details

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
If denied, call reconsideration line!
by Anonymous
Helpful to 688 out of 755

Applied online and was declined.  This threw me for a loop because I have excellent credit history with CHASE so I was like what the?  The suspense was killing me, I couldn't wait for the letter in the mail, I had to know why so I immediately called the reconsideration line.  Well I am so glad I called. The rep explained that I already had a "similar type" of account with them so I asked to please explain.  Turns out that they were referring to a very old WAMU credit card that I have which was acquired by chase years ago. The old card had a $12,000 limit on it (with a 29.99 % APR which is why I NEVER use this card for anything!)  The underwriter explained that I would have to close this account and then apply for the new SLATE card.  This was a little scary because he could not guarantee me that I would get approved for the new card. Hmmmm. Decisions, Decisions.  Do I really want to close this WAMU account with a 12K limit and $0 balance (that is really helping my overall credit utilization) and shut down that part of my credit history? I made a rash decision and told him to go ahead and close my old account and then I was going to reapply for the new card.  I waited on hold for what seemed like an eternity.  He got back on the line and said congratulations you were approved.  Gasp!  He told me I was only approved for a $1000 credit limit.  I was confused.  I then asked well can I use the $12,000 limit that I had on the old card and apply to this new card?  He said well certainly you can do that.  It's what they call credit reallocation. Note that he didn't offer this information.  I had to ask for it.  I'm very glad I asked for it.  I now have a $13,000 brand-new Chase Slate card.  At 0% interest for 15 months for balance transfers and purchases. this is wonderful.  The moral of the story is.  I would deftly call the reconsideration line.  When I applied online.  My account was denied even before they did a hard credit pull l because it didn't even make it that far when they realize I already had similar type of account. I had no idea that that old Washington Mutual credit card was in the same category as the slate card. final note.  The representatives at chase have always been respectful to me on the phone and they always seem very professional.  one thing I forgot to mention is that about a week went by and I did not receive the card so I called back.  I explained the entire process that I went through and how they reallocate the credit to my new card.  The representative explained to me that the representative I spoke to before forgot to complete the transaction.  This was a little unnerving.  They dropped the ball for sure there.  If I hadn't called back.  Who knows, I probably never would have got the card.  Well, the new girl Jan was really nice to me and she said no problem.  I'm going  to go ahead and get this taken care of for you and then two days later I got an e-mail saying that they opened up the new account.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Anonymous
Very unprofessional and full of charges
by Anonymous
Helpful to 916 out of 988

I made the mistake of being drawn in by the transfer balance. I have since paid off my balance and do not wish to give them any more of my business. When making an electronic payment, it takes them 5-7 days to process this payment. During this time if you set the payment to execute on the due date, they assess a late fee because the payment has not gone through on the electronic side. This is the only card that does this. Need less to say they accrue most of their money from those dishonest and ill-gotten methods. In acutallity the due date is not the real due date, it is 5-7 days before the due date. If this review saves one person from making the same mistake it was worth it.


Our Take

Chase Slate® is a great option for consumers looking to transfer balances or take advantage of low introductory purchase rates.

What to Like

Chase Slate® offers a 0% intro APR on purchases and balance transfers for 15 months, after which the interest rates reset to as low as 12.99%. With no balance transfer fee for the first 60 days after opening an account, consumers can save money when transferring a large balance. Chase Slate® also features no Penalty APR for missed payments.

Look Out For

After the first 60 days the balance transfer fee is 3% of the amount transferred, so you’ll want to get your transfers in early. There’s also a 3% fee on each foreign transaction.

Similar Offers

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2015 through June 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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