Chase Slate® Review
Enjoy a Long Zero-APR Period to Consolidate Debt
March 9, 2026
•
5 min
Chase Slate® Bottom Line
The Chase Slate can be a solid choice if you're looking for a card with a longer zero-APR intro to consolidate your debt. However, there are few perks and no rewards program with the card.
Chase Slate® Pros & Cons
Pros
Long 0% intro APR period
$0 annual fee
Chase Credit Journey® for free credit score access and identity monitoring
Built-in fraud & purchase protections
Cons
Balance transfer fee applies
No welcome bonus
Does not earn rewards on purchases
Chase Slate® at a glance
10
Editorial scoreFees
No annual fee
10.0
APR
18.24% - 28.24% Variable
10.0
Security
FDIC insured, 128-bit SSL encryption, biometric and two-factor authentication available
10.0
Customer service
24/7 service with multiple communication options
10.0
Online experience
Excellent site and app with detailed FAQs, help center, and transparency of rates and features
10.0
Choose It If:
You want a credit card with one of the lengthier no-APR intro periods on the market today.
Skip It If:
You want a card with rewards-earning potential
Issuer Overview
Annual fee | $0 |
Welcome offer | None |
Caps/limits | N/A |
Intro APR (purchases) | 0% Intro APR for 21 months on Purchases |
Intro APR (balance transfers) | 0% intro APR for 21 months on Balance Transfers |
Regular APR | 18.24% - 28.24% Variable |
Balance transfer fee | Either $5 or 5% |
Foreign transaction fee | 3% of the transaction amount |
Recommended credit | 690-850 (Good to Excellent) |
Detailed Review
When Misha Rose was looking for credit cards to consolidate her debt, the Chase Slate® credit card caught her eye. "I found the zero percent interest rate offered on the Chase Slate Card a very attractive way to consolidate my multiple credit cards that were all at high interest rates into one location," says Rose, an entrepreneur and personal finance educator.
Once Rose applied and got approved for the card, she focused on paying off her existing debts. "I didn't have to worry about the new credit card interest from growing while paying off the old credit card debt," she says.
Chase had removed the Chase Slate from its line of zero-balance transfer cards in 2020, and has recently brought it back. The good news: It's now available for new applicants, so if you're looking for a card to consolidate your high-interest debt, this one might be worth putting on your radar.
Let's look at the ins and outs of the Chase Slate card, the Chase Slate benefits, and how you can decide whether it's a good fit for you:
The Hook
Enjoy 21 months of zero-interest to knock down your high-interest debt.
How It Works
The newly reintroduced Chase Slate Card features a lengthy 21-month promotional period to enjoy zero-interest APR to consolidate your high-interest credit cards. That way, you can focus on getting your balance down to zero. After the intro APR period, the APR is 18.24% - 28.24% Variable.
With credit card promotional periods being anywhere from 12 to 21 months–and many hovering between 15 to 18 months–the Chase Slate is on the longer end.
You'll want to note the balance transfer fee: 5% of the amount transferred or $5, whichever is greater. And the amount is tacked onto the balance of your new card. So in Rose's case, the balance transfer fee was 5% of $6,000, which shakes out to $300.
Fees + APRs + Rewards
As mentioned, a main feature of the Chase Slate is there's no annual fee. Once the 21-month intro period ends, it kicks over to the standard APR of 18.24% - 28.24% Variable.
There's a cash advance APR of 28.49%. The penalty APR can be as steep as 29.99% Variable.
Speaking of penalty fees, late payments and returned payments can cost you up to $40. Cash advances come with an additional cost of $10 or $5, whichever is greater of the two. Foreign transaction fees are 3% of the purchase amount.
The Chase Slate rewards are essentially non-existent. But you can also check your credit score for free, which can come in handy if you're in the process of rebuilding or establishing your credit.
How You Redeem/Get Value
Here are some ways you can make the most of the card's perks. If you activate your DoorDash membership by December 31, 2027, you can enjoy 6 months of free DoorDash membership. Plus, you can get $10 quarterly on non-restaurant orders–think grocery stores, pet shops, pharmacies and beauty supply stores, and flower shops.
Conclusion: Is this card right for you?
The Chase Slate can be a good fit for you if you are looking for a no-frills card to help you focus on paying off your high-interest credit card debt. If you get your card down to zero before the promotional period ends, you can save a chunk of change on interest fees.
But if you're looking for credit card options that give you the ability to rack up points and scoop up valuable perks, then a card with a low or no annual fee with bonus or rotating categories could be a stronger fit.
Compare, Pair & Alternatives
Compare: Similar Debt Consolidation Cards
| Card | Chase Slate® | Citi® Diamond Preferred® Card | Wells Fargo Reflect® Card |
|---|---|---|---|
| Intro APR | 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 on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5. |
| Standard APR | 18.24% - 28.24% Variable | 16.49% - 27.24% Variable | 17.49%, 23.99%, or 28.24% Variable |
| Annual Fee | $0 | $0 | $0 |
Best Cards to Pair With
If you’re using the Chase Slate® to tackle debt, it can make sense to pair it with a card that earns rewards on your everyday spending. Think of it as a two-card strategy: one card to save on interest, the other to earn value.
The Chase Slate® does the heavy lifting on the financing side: Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter. It’s built to help you focus on paying down balances without interest piling up—but that also means you’re not earning rewards on purchases.
That’s where a card like the Chase Freedom Unlimited® comes in: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%. You can also earn 1.5%-5% cash back on purchases, plus a $250 welcome bonus after you spend $500 on purchases in your first 3 months from account opening. It’s a simple way to earn cash back while the Chase Slate card handles your existing debt.
If you’re aiming for travel rewards instead, the Chase Sapphire Preferred® can round things out at a more premium level. It doesn’t offer an intro APR and instead comes with a variable 19.24% - 27.49% regular APR. Where it stands out is in the long-term value: you can enjoy benefits such as 1x-5x on purchases, along with a welcome bonus of 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. For anyone thinking beyond short-term financing, it’s a strong way to turn everyday spending into meaningful travel rewards.
What Users & Experts Say
What Users Have to Say
Redditors express that the Chase Slate has limited use. Once you're done paying off your existing debt, folks say they don't know what to do with the card, as it doesn't have any cash-back earning capabilities. If it's an older card, users might keep the card on hand to maintain good credit.
Expert Takeaways
The Chase Slate card is designed to manage debt, not a lifestyle credit card, explains Cristian Mundy, a CFP® and Senior Wealth Manager at LifeLine Financial & Wealth Management. "Its main purpose is to give people time to breathe financially," says Mundy.
"Because the card allows someone to move high-interest credit card debt onto the card and pay it down without interest for a period of time, it offers a financial reset button, and isn't a rewards strategy."
Mundy points out that the key is to strategically pay down your debt during the 0% APR window. "If cardholders continue to spend while transferring balances, they're just moving debt around, not eliminating it," he says. "A balance transfer doesn't fix debt. Your habits do."
Issuer Overview
Issuer | Chase |
|---|---|
Security | [Fraud monitoring] • [Transaction alerts] • [Account controls in app/website] |
Customer service | 1-800-935-9935 • [Secure message/in-app support] • [Chat if available] [Message on social media] |
Online experience | https://www.chase.com/digital/customer-service to: pay bill/autopay • view statements • track spend • manage alerts • redeem rewards • report fraud • report a stolen card |
Help & support | Help center for: disputes/chargebacks • lost/stolen • payments/autopay • account access • card replacement |
Methodology
We looked at and rated credit cards in the following categories. Here's how our review process works:
Rates and fees: We looked carefully at credit card rates such as the purchase and promotional APR. We also carefully looked at fees (i.e., annual fee, balance transfer fee, cash advance fee, and foreign transaction fee.)
Features and benefits: We factored in any valuable features and benefits like the rewards structure, base rewards program, sign-on bonus, recurring benefits, and additional perks. Some perks were more related to travel rewards, while others were better suited for cash back or general everyday rewards.
Security: With security an increasing concern, we considered various factors in our assessment. This included measures to protect card and personal data. Sophisticated security measures like card freezes and card alerts for suspicious activity and large transactions, are also factored in.
User experience: Different aspects of the user experience, from navigating the card issuer's website, reviews of the app, to ease of the application process, are meticulously analyzed and weighed. Other factors include how soon one can use the card and how easy it is to make the most of its features and benefits.
Customer service: We compare the credit card issuer's Trustpilot score and BBB ratings against those of its competitors and industry averages. We also factor in the company's different customer service channels (e.g., telephone, chat, email, and physical mail) and test response times and quality of experience.
Disclosures
Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain.
Editorial disclosure: The credit card offers and information presented on this page are current as of the published date. However, credit card terms, including APRs, fees, and promotional offers, are subject to change without notice. Some offers listed may no longer be available or may have expired. Please refer to the issuer's website for the most up-to-date terms and conditions.
Frequently Asked Questions
How do I apply for the Chase Slate credit card?
You can apply online or at a Chase bank for the Chase Slate credit card. It requires inputting your basic information, such as your personal information, address, employment status, and gross income.
Is it hard to get the Chase Slate credit card?
The Chase Slate can be hard to get because you need good credit to get approved. You'll need a credit score of at least 700.
Is the Chase Slate or the Chase Sapphire the better credit card?
The Chase Sapphire is considered a better credit card because it offers a rewards program to earn 1% to 5% cash back. Plus, there is a generous welcome bonus. The Chase Slate is designed primarily to consolidate debt and has no rewards-earning potential.
Is the Chase Slate and Chase Edge the same card?
No, they are not the same card. The Chase Slate was previously discontinued and recently reintroduced to Chase's lineup. The Chase Edge credit card doesn't have a zero-interest APR feature.
Written byJackie Lam
Jackie Lam is a credit card writer for BestMoney.com and is based in Los Angeles. Her previous writing experience includes work for various publications. Additionally, Jackie is an accredited AFC® financial counselor and educator with a passion for helping artists, freelancers, and gig economy workers manage their finances.