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

Picture of Slate® from Chase
30 Reviews
Consumer Rating:
star ratingstar ratingstar ratingno star ratingno star rating

Apply Here apply here 3.4
Lowest:
0
Average Score:
690
Highest:
804

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

Pros

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

Cons


  • 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: 737 Credit Limit: 5000 Age: 35-44
Posted 07/08 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I wanted to close out two old credit cards from a couple of credit unions cos I do not use them anymore. So I applied for the Chase Slate and requested a balance transfer in the application. I was not approval immediately and was told that I had to wait for 30 days. I honestly thought that I had been rejected. But I got an email 2 weeks later telling me I was approved and so was my balance transfer. I closed my 2 older credit cards once the BT went through.

So far, I have not had any encounter with customer service. The free FICO score is nice though.
 
Credit Score: 775 Credit Limit: 8000 Age: 25-34
Posted 04/19 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I intended to do a balance transfer with Slate to partially pay down my student loans to save on interest. This is what I found out. If you do a balance transfer within 60 days, there is no balance transfer fee but they will not write you a balance transfer check. To pay down my student loan, I needed a balance transfer check and they will only do that after 90 days. But once 60 days have gone, you end up paying the 3% balance transfer fee which is the main reason for getting this card.

I still did the BT but after 90 days. And paid the 3% BT fee. If I had known this, I would have got other balance transfer cards which allows you to write a balance transfer check right away.
 
Credit Score: 683 Credit Limit: 3000 Age: 35-44
Posted 03/14 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I am definitely a fan of this card. I got approved for $3000, transferred over $2500 and paid it off over 15 months. BT works as advertised. You also get your FICO score for free which is nice.
 
Credit Score: 640 Credit Limit: 3500 Age: 45-54
Posted 07/29 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
My score was about 640 TU when I applied for this card. Prior to this, my credit took a hit because of a divorce and I was in the processing of rebuilding. I wanted to transfer $1000 from another higher interest card and was given $3500 as an initial credit limit. The balance transfer process was smooth. I saved on the usual 3% BT fee which was $30. My next target would be to get a Chase Freedom once I am done paying off the balance.
 
Credit Score: 642 Credit Limit: 3000 Age: 25-34
Posted 05/28 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I wanted to transfer $1800 from an old student credit card that I had. During the application process, they'll ask if you want to take advantage of their BT and how much you want to transfer. I put down $1800 and was actually given $3000 in limits. This came as a surprise to me considering my score is not exactly prime. I've set up my auto pay to automatically deduct a fixed amount from my bank account. It's been seven months and so far so good. I should pay this off when the intro period ends.
 
Credit Score: 730 Credit Limit: 5000 Age: 25-34
Posted 03/16 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got this card to do a balance transfer from my BOA card. I was approved for a total of $5000 in limits which meant I could transfer $4+k. I am not really too sure what to do with this card after the BT period expires. I still have more BT to do. Does anyone know if you will still get BT after having the card for a while? or is this just an intro thing?
 
Credit Score: 630 Credit Limit: 500 Age: 25-34
Posted 10/10 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got this card right after college. Unlike many folks, I was not looking for a balance transfer. I did not get any credit card in college so this was essentially my first card. My score was only 630 so I was quite surprised to actually get approved. The limit started out at $500.