Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace. Websites may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened.
    |    Accessibility Options

Chase Slate® Review: One of the Longest 0% Intro APR Offers We've Ever Seen

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The new-and-improved Chase Slate® card (see rates and fees) is built for one thing: helping you dodge interest like a pro. We're talking a massive 0% intro APR on both purchases and balance transfers. You'll get almost two years to pay off big expenses or tackle high-interest debt without sweating monthly interest charges.

We've reviewed hundreds of credit cards, and this intro offer is hands-down one of the longest you'll find in 2026. Here's our full, honest review of the Chase Slate® card.

Chase Slate®

Apply Now for Chase Slate®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Slate®
4.00/5 Circle with letter I in it. 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. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.00/5 Circle with letter I in it. 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. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Slate®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 21 months

Purchases: 0% Intro APR on Purchases, 21 Months

Balance Transfers: 0% Intro APR on Balance Transfers, 21 Months

Regular APR

18.24% - 28.24% Variable

Rewards Circle with letter I in it. N/A

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter

0% Intro APR for 21 months on purchases and balance transfers

  • A savvy choice for chipping away at debt with a lengthy intro APR offer on purchases and balance transfers. Plus, peace of mind with purchase and travel protections, all for no annual fee.

    • Great intro APR
    • No annual fee
    • Free credit score monitoring
    • No rewards
    • 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
    • No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
    • Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
    • Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
    • Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
    • Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
    • Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
    • Member FDIC

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Chase Slate®

This isn't your average balance transfer card. Chase packed in a few smart perks that make the Chase Slate® card stand out. Here are my favorite features:

A long intro APR

The Chase Slate® card offers 0% Intro APR on Purchases and Balance Transfers for 21 months, then a 18.24% - 28.24% Variable APR applies thereafter.

That's a mammoth window of opportunity to pay no interest on both new and old debt.

Whether you've got old balances to pay off or you're planning a big purchase -- like a new appliance or medical procedure -- this card gives you nearly two years to handle it without interest piling up.

No annual fee

Fees are a pet peeve of mine, so it's nice that this card has no annual fee. It's a small thing, but it means every dollar you pay goes toward reducing your balance, not toward bank fees.

Strong protections

Even without an annual fee, the Chase Slate® packs in decent protections:

  • Zero liability & fraud monitoring -- You won't be held responsible for unauthorized charges, and Chase monitors for suspicious activity 24/7.
  • Purchase protection -- New purchases are covered against damage or theft for 120 days, up to $500 per item.
  • Extended warranty -- Adds 12 months of warranty coverage to eligible purchases with a manufacturer warranty of three years or less.
  • Credit limit increase eligibility -- Chase says you could be considered for a higher credit line in as little as six months.

Free credit tracking

You'll get access to Chase Credit Journey®. So you can track your score, get personalized tips, and even spot early signs of identity theft.

Downsides you should consider

Here are some sticking points I noticed. None of these are deal breakers, but they're worth knowing before you apply.

No rewards program

Chase Slate® isn't designed for earning travel points or cash back. It's built for managing debt, not maximizing rewards.

If you want to rack up points while avoiding interest, check out a card like the Chase Freedom Unlimited®. It has a shorter 0% intro APR period, but strong cash back perks.

Balance transfer fee

It's important to note the balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

That's fairly standard across the industry, but it's still something to factor into your math.

Not for international use

The Chase Slate® card charges foreign transaction fees, so it's not a great fit for use overseas. Stick to a no-foreign-transaction-fee card if you've got overseas trips in the mix.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
5.00/5 Circle with letter I in it. 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. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.49% - 26.49% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

5.00/5 Circle with letter I in it. 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. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for long 0% intro APR 		N/A N/A

Intro: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular: 17.49%, 23.99%, or 28.24% Variable APR

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

4.70/5 Circle with letter I in it. 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. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points (worth $250) Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 17.49% - 27.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Is the Chase Slate® card worth it?

The Chase Slate® is an excellent card for refinancing credit card debt or financing a large new purchase. Its super-long 0% intro APR on both balance transfers and new purchases can save you quite a bit of money.

It's probably the right fit if:

  • You have a payoff plan in place. Balance transfer cards are only as helpful as your follow-through. Chase Slate® gives you time -- but it's up to you to use it wisely.
  • Your existing debt is from non-Chase cards. Chase doesn't allow balance transfers between its own cards, so you'll need to move debt from a different bank.
  • You've got a big purchase coming up. Whether it's a home project, dental procedure, or new laptop, the 0% APR period lets you chip away at the cost without paying a cent of interest.

Want to look at more options? Check out our list of the best balance transfer credit cards here.

How to apply for the Chase Slate® card

You can apply directly through Chase's website. You'll need good credit (typically 670+ FICO), and you can check for prequalification with no impact to your score.

Final thoughts

Chase relaunched the Chase Slate® card with a very specific purpose: to help people crush their credit card debt with one of the best 0% intro APR offers available.

If you're looking to save serious money on interest over the next year or two, this card could be exactly what you need. Apply for the Chase Slate® card today.

FAQs

  • No, it's not a typical rewards credit card. The Chase Slate® is designed purely for the 0% intro APR offer on purchases and balance transfers. It doesn't offer cash back or travel points.

  • Yes, but it shines most for strategic purchases or balance transfers. If you want ongoing cash back, you might consider other Chase rewards cards.

  • Absolutely. It has one of the longest 0% intro APR offers for balance transfers available right now. Just be aware of the balance transfer fee.