Chase
Slate® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | No rewards offered |
| Intro APR | Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% to 28.24% thereafter. |
| Regular APR | After the intro period, a variable APR of 18.24% to 28.24%. |
| Other Fees | Balance transfer fee applies. Roadside service fees will be billed to your card at time of dispatch. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months. |
About this card
The Chase Slate® Credit Card earns an overall rating of 3.5 ('Good') due to its exceptional strength in its niche as a debt management and balance transfer tool, significantly offset by its complete lack of a rewards program. The card's primary advantage is its outstanding 0% introductory APR for 21 months on both purchases and balance transfers (APR Rating: 4.1). This lengthy interest-free period, combined with no annual fee (Fees Rating: 4.2), offers substantial value for consumers looking to consolidate high-interest debt or finance a large purchase without immediate interest accrual. The card also benefits from Chase's strong reputation, providing reliable customer service and additional cardholder protections. However, its major drawback, and the reason it doesn't achieve a higher rating, is the complete absence of any rewards program (Rewards Rating: 1.0). This means the card offers no long-term value for everyday spending once the introductory APR period expires. Furthermore, while the introductory APR is excellent, the subsequent variable regular APR can be quite high (18.24% to 28.24%), making it less attractive for carrying a balance post-intro period. In summary, the Chase Slate is an excellent, specialized card for a very specific purpose (debt relief), but its utility is severely limited beyond that, making it a temporary solution rather than a versatile, long-term credit card.
Pros & Cons
What's great
- No annual fee
- Long intro APR period for purchases and balance transfers
- Free credit score and identity monitoring
- Purchase and extended warranty protection
- Auto rental coverage
- Flexible payment plan options
- Complimentary DashPass membership
Things to consider
- No sign-up bonus
- No rewards
- High regular APR
- Balance transfer fees apply
What this card offers
Other features
- Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card. If you see an unauthorized charge, simply call the number on the back of your card.
- As a Chase cardmember, you'll be automatically considered for a credit line increase every 6 months or sooner.
- Get your credit score, customized score improvement plans provided by ExperianTM, and identity monitoring -all for free with Chase Credit Journey®
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection: Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- 24/7 Fraud Monitoring: 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.
- Embedded Chip: A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.
- Auto Rental Coverage: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- Roadside Assistance: If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
- Eligible Chase credit card customers are targeted with cash back offers in the Chase Mobile app or on chase.com. Customers can activate an offer on a card, shop at the merchant with the same card and receive a statement credit within 30 days.
- Get 6 months of complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
- DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Apply for a card, use it the same day. Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- Chase Pay Over Time: After purchase: Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time: At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
Additional Notes
This credit card is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.