Chase Slate
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Slate® from Chase
30 Reviews
Consumer Rating:
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Apply Here apply here 3.4
Average Score:
Key Features
Key Features

Annual Fee: $0
APR: 16.74% -25.49%*V
Intro APR: 0% for 15 months (both balance transfer and purchases)
Balance Transfer Fee: $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.
No Increase in APR: Chase Slate will not increase your APR if you have make a late payment
Free FICO Score: You get monthly update of your FICO 8 score
Pros and Cons
Pros and Cons


  • Long intro period
  • No balance transfer fee
  • Free FICO score,/li>


  • No Rewards
  • High APR after intro period

Our Take
Our Take

The Chase Slate is a great card for those of you looking to do a balance transfer or simply looking for a 0% APR intro deal on purchases. The intro period of 15 months is generous and very competitive. This card stands out because they waive the balance transfer fee if you transfer within 60 days of your account opening. Having said that, it is best to pay off your balance within the introductory period as the interest rate after that is not the lowest and actually quite high. The other thing to take note of is that this card has no reward program. You might also want to consider the Chase Freedom, which has a reward program and also comes with a 0% for 15 month introductory offer.  

According to our readers reviews, the average score they got approved for is 711. The lowest score our reader got approved was 596 while the highest was 804.


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Credit Score: 715 Credit Limit: 5000 Age: 35-44
Posted 11/21 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
My score was in the low 700s when I applied for the card. I got a $5000 limit. I did my balance transfer and it took about 4-5 days to clear. I also realize that the payment takes about 3-4 days to clear. The BT offer works as advertised. There is no balance transfer fee if you transfer within 60 days. Most will do so during the application so that is not an issue.

I give this card a 3 star for the following reason. The auto pay can only be set to minimum payment or pay in full. For the purpose of my balance transfer, I want to pay it off after 15 months so wanted to divide the balance transfer by 15 so it will be fully paid off when the intro period ends. But this is not possible. So I had to set it to minimum payment and do manual payments myself. To be honest, this is really irritating.
Credit Score: 596 Credit Limit: 1500 Age: 35-44
Posted 11/14 2017
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I applied for this card with a score of slightly less than 600. I was surprised that I was approved. Even did a balance transfer. The credit limit was not large ($1500) but I was glad I was able to get a no annual fee card with my score. After I paid off the balance transfer, I realized that I did not earn any rewards or cash back with the card. I stopped using it and used my capital one quicksilver instead.

This card is good as a starter card or if you want to do a balance transfer. After that, it is basically useless and you should at least get yourself a cash back rewards card.
Credit Score: 726 Credit Limit: 4000 Age: 35-44
Posted 07/02 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
When I applied for the card, I put down $2000 for the amount that I wanted to transfer. I was given a $4000 limit (which was enough). Everything has gone on smoothly. I figured I saved about $60 from not paying any balance transfer fees. However, since I have paid down the BT, I find less use for the card. I am now looking for cards with rewards and using this as a spare.
Credit Score: 740 Credit Limit: 4000 Age: 35-44
Posted 03/03 2016
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
With my credit score of 740 (EX), I thought that I would have gotten a higher credit limit. I have 2 other cards with $8k and $10k limits so this was a little disappointing. I did transfer a $3k balance (maybe that is why they gave me a lower limit).

It's been 8 months now but I think other than the balance transfer offer, I'm not too sure what is so great about this card. I am getting offers of 15 months 0% as well but this card waives the BT fee so that will save some money. I just applied for the Chase Freedom and got approved. I have since been using that to earn rewards and just paying down the BT on the slate.