Chase Slate Review: Is It Right for You?

Review Updated March 21, 2024

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Offer status

This offer is no longer available from Chase. The information related to Chase Slate® has been collected by The Ascent and has not been reviewed or provided by the issuer. Check out our best balance transfer credit cards for current offers.

The Chase Slate® was a top choice for its long promotional period and intro balance transfer fee of 0%. Balance transfers are a useful tool to help you consolidate your debt and pay it off interest free. Read our Chase Slate® review below for all the details.

Ratings Methodology

Chase Slate®

Great for: No balance transfer fee

Rating image, 4.00 out of 5 stars.

4.00/5

Rating image, 4.00 out of 5 stars.

4.00/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

14.99% - 23.74%, variable

Rewards

N/A

Annual Fee

Welcome Offer

N/A

The balance transfer fee waiver is becoming more rare among competing cards, which have removed this valuable perk. We suggest taking advantage while you can.
- Great intro APR
- No balance transfer fee
- No annual fee
- Free credit score monitoring
- No rewards
- $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
- 0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 16.99%–25.74% variable APR.
- See monthly updates to your FICO® Score and the reasons behind your score for free.
- No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply.
- $0 Annual Fee.

The information related to Chase Slate® has been collected by The Ascent and has not been reviewed or provided by the issuer.

Alternatives to consider

If you want more time to pay off debt: You'll have a tough time finding a longer balance transfer offer than the one on the Citi® Diamond Preferred® Card. It offers a 0% intro APR on balance transfers for 18 months. It does charge a balance transfer fee, but you'll have a year and a half to pay off your balances without any interest charges.
If you want a balance transfer card that earns cash back: The Citi Double Cash® Card does double duty as both a top balance transfer and cash back card. It offers an 18-month 0% intro APR on balance transfers, albeit with a balance transfer fee. It also gets you an excellent cash back rate of 2% back on each purchase, which is split into 1% when you make the purchase and 1% when you pay your bill.

Learn more: A Complete Guide to Balance Transfers

As of Apr. 16, 2024


Citi® Diamond Preferred® Card	Citi Double Cash® Card
Rating image, 4.25 out of 5 stars. 4.25/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for Citi® Diamond Preferred® Card On Citi's Secure Website. Rates & Fees	Apply Now for Citi Double Cash® Card On Citi's Secure Website. Rates & Fees
Read Full Review	Read Full Review
Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Fair to Excellent (580-850) Fair to Excellent (580-850)

Welcome Offer: —	Welcome Offer: 20,000 ThankYou® Points

Rewards Program: N/A	Rewards Program: Up to 2% cash back

Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 21 months	Intro APR: Purchases: N/A Balance Transfers: 0%, 18 months

Regular APR: 18.24% - 28.99% (Variable)	Regular APR: 19.24% - 29.24% (Variable)

Annual Fee: $0	Annual Fee: $0

Highlights: 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. Get free access to your FICO® Score online. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.	Highlights: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Apply Now for Citi® Diamond Preferred® Card On Citi's Secure Website. Rates & Fees	Apply Now for Citi Double Cash® Card On Citi's Secure Website. Rates & Fees
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Full Chase Slate review

This credit card is a good fit for: Cardholders who want to save money on their credit card debt with one of the best 0% intro APR balance transfer offers.

Top perks

0% intro APR for 15 months: The Chase Slate® also offers a 0% intro APR on both balance transfers and new purchases for the first 15 months after account opening. This is one of the longer 0% intro APR offers available on a balance transfer credit card, so it's a great option for people who are paying off debt and need a little extra time.

Keep in mind that credit card issuers generally don't let you transfer balances from one of their cards to another, and Chase is no exception. If you have credit card debt on Chase credit cards, you'll need a balance transfer card from a different card issuer.

No balance transfer fee: This is one of very few credit cards to offer a 0% fee on balance transfers made during the first 60 days after opening the account. After that, the balance transfer fee is 5% or $5, whichever is higher. If you're transferring a balance of $10,000, avoiding the standard 5% balance transfer fee would save you $500.

No annual fee: This credit card has no annual fee. It's important to select a card with the lowest fees possible if you're paying off debt.

Free credit score: You'll get to check your credit score for free, updated monthly, with the Chase Slate®. The card’s website will help you monitor your credit over time and break down the different factors that influence your credit score.

No penalty APR: Most credit cards have a penalty APR, often more than 30%, that is put in place if you miss two or more payments. This can make it difficult to pay off your balance. The Chase Slate® has no penalty APR, making it even better for paying down debt.

Read more: Best 0% Intro APR Credit Cards

What could be improved

No rewards: Rewards shouldn't be your first priority if you're paying off credit card debt, but it's worth noting that the Chase Slate® doesn't offer any. Cash back credit cards are a better solution if earning cash rewards is your primary goal.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

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Suggested credit score

When applying for the the Chase Slate®, aim for a FICO® Score of 670 or higher -- ideally, over 700, though there are applicants who have gotten this card with credit scores below 670.

Another factor to remember anytime you apply for a Chase card is the Chase 5/24 rule. This is an internal rule the card issuer has that can lead to an automatic denial based on how many credit cards you've opened in the last two years.

This credit card is right for you if:

The Chase Slate® is an excellent card for refinancing credit card debt, because its 0% intro APR and fee-free balance transfers can save you quite a bit of money. However, you should look at this card only if all of the following are true:

You can repay your credit card debt within 15 months. If not, you should search for balance transfer cards with longer intro offers.
Your credit card debt is from non-Chase credit cards. You won't be able to transfer balances from Chase cards to the Chase Slate®.
You have $15,000 or less to transfer. Chase lets you transfer up to $15,000 or the credit limit of your card, whichever is lower.

Related: See The Ascent's list of the best Chase credit cards

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.