Chase Slate® Card Review

"The Perfect Credit Builder!"

While not a points-building travel card, this is a great starter card for those new to credit cards who need to build credit! Not only do you get 0% APRs, but you'll also receive a free FICO score.

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Card Summary Table

  • Card Provider
  • Card Focus:
    • None
  • Card Bonus & Info
    • 0% intro purchase and balance transfer APR for the first 15 months
    • $0 balance transfer fee for the first 60 days
    • Free monthly FICO score; this is the only Chase card with access
    • No penalty APR for missing payments
    • Access to the Chase BluePrint tool
    • Named MONEY Magazine “Best Credit Card for Balance Transfers” in 2012, 2013, and 2014
  • Annual Fee
    • $0
  • Goes Well With
  • Foreign Transaction Fees 3%
  • Typical Users Parents / Families, The Average Spender
  • Customer Service Number

    1- 800-935-9935 (Available 24/7)

  • Login Link https://www.chase.com/
  • Partners None with this card
  • Interest Rates ?
    • See Issuer's Terms
  • Late fees ?
    • Up to $37
  • Balance Transfers
    • See Issuer's Terms
  • Cash Forwarding
    • See Issuer's Terms

The Ideal Cardholder

You’ve just found out your credit score is pretty low, and you’re interested in entering the points world. You may also need to float some cash for awhile to pay off a few bills.

Where do you turn?

Luckily, the Chase Slate® Card has your back. As a great starter card available to a larger audience, you can get on your feet in no time!

chase-slate-credit-card-has-your-back
When you need some extra cash flow and are looking for a no interest intro APR, the Chase Slate® Card has your back.

Chase Slate® Card Sign-Up Bonus

Right now, when you sign up for the Chase Slate® Card, you will get a 0% APR on both purchases and balance transfers for your first 15 months!

That’s a great deal for those who need to float some cash for one reason or another, whether you’re starting your own business or you’ve hit a temporary hard time.

In addition, you’ll get $0 balance transfer fees for the first 60 days, which helps you consolidate your debts onto one card, all at 0% interest. This is great for getting out of debt!

Advantages of the Chase Slate® Card

If you’re trying to build credit, you’ve got to start somewhere. As we suggest in our Beginner’s Guide, when getting your first card you should make sure it’s one with $0 annual fee.

This is because you want to open the card and never close it again to keep your active account age as high as possible! The Chase Slate® Card is a perfect card to do that with.

Your other big advantage with opening up this card is that it offers you a free FICO score! Currently, this is the only Chase card that offers this benefit, and it is a great tool to use to build credit.

Tracking your score monthly allows you to see when you can afford to open a new card, and starting with the Chase Slate® Card offers you the ability to do this for free.

Using the Chase Slate® Card for Debt Consolidation and Cash Flow

Whether you’re in debt or need cash, this card offers a larger 0% APR period than most other cards. At 15 months, you have over a year to pay back your purchases and balance transfers.

If you are looking for a balance transfer, this card offers a $0 fee for the first 60 days right now! That is pretty unheard of, and it would usually cost you $5 or 3% of the transaction.

While we don’t recommend holding balances, inevitably many of us have had to do it at some times in our lives. If you do, we always recommend doing this as smartly as possible.

Along those lines, if you do happen to miss a payment after your 0% APR period ends, then you won’t be stuck with a high penalty APR…because there isn’t one!

That being said, don’t miss any payments on your Chase Slate® Card during your 0% APR period, because that typically ends your introductory offer period and leaves you with a bunch of interest to pay.

If you need help paying off your card, you can utilize the Chase BluePrint tool, which is a great tool to help you pay off balances and save on interest.

Debt Free Sign
Use Chase Blueprint and the 0% APR offers of the Chase Slate® Card to help you pay off your debts and build your credit up!

Lower Interest Rates Than Other Cards

Another advantage of the Chase Slate® Card is its lower interest rates. Although variable, they start at 13.24%. Other cards may start at 15% or more, and that extra 2% can really make a difference.

The more trustworthy you prove as a cardholder, the better your credit score will be, and ultimately the better your interest rates will end up.

Drawbacks of the Chase Slate® Card and Alternatives

Obviously, the major drawback from our standpoint at Upgraded Points is that there are no Chase Slate® Card rewards, points, or cash-back opportunities.

Essentially, any spending you put onto this card will give you no bonuses besides building credit.

Some alternative no annual fee cards you could use that would earn points (or at least cash-back) are the following:

There really aren’t any other drawbacks; the card is meant for a very specific purpose and it does that very well!

Final Thoughts on the Chase Slate® Card

This card is not for everyone. If you are the type of person who is looking to really build points, then this card will not offer you much value. In fact, by opening the card you may lower your credit score.

However, not everyone has perfect credit, and we all must start somewhere. This is the perfect starter card for your credit building strategy.

It also offers those who may need cash flow and balance transfers a very generous 15 months of no interest.

It is up to you to decide if the Chase Slate® Card is right for you!

Great Card If

  • You need to begin building your credit
  • You can make use of a 0% APR for purchases and balance transfers (if you’re in debt and need consolidation, starting a business, etc.)
  • You need a card that offers you a free FICO score (and has no annual fee!)
Time to Improve Credit
The Chase Slate® Card is an excellent choice for those looking to build or rebuild their credit score.

Don't Get If

U.P. Pro Tip

If you’re using the Chase Slate® Card to carry a balance at 0% APR, make a plan right away to begin paying it off! Having a good monthly payment plan will help ensure you pay the card off in time before you begin to accrue interest.

Set up the auto-pay to pay the minimum amount each month, or the minimum amount you want to put on the balance each month to pay it off.

If you don’t pay at all, you will likely get hit with the full interest of the balance, as this violates the introductory offer!

Create a Budget
Sign up and get the 0% APR to help you pay down your balances by creating a budget and paying set amounts each month!

How To Use the Chase Slate® Card: The Upgraded Way™

Best Way To Maximize Points

The Chase Slate® Card does not earn any points, miles, or cash-back.

Best Way To Redeem Points

The Chase Slate® Card does not earn any points, miles, or cash-back.

Partners

The Chase Slate® Card is not a travel or points card, so there are no real partners.

One “partnership” you do get is access to your FICO score, which is not offered by all cards. In fact, this is the only Chase card to offer this benefit!

Card Math

Because this card does not earn any points, there is no math to be done. The card costs you nothing to get, so there is no real downside!

The Gritty Details: Everything Else You Need To Know

This Chase Slate® Card is incredibly basic. All you need to know is that your 0% APR for purchases and balance transfers is available for 15 months from the time you open your card.

It’s also important to note that you only have 60 days to make your balance transfer at no fee.

Make sure to pay something on your card monthly (usually $25+, depending on your balance), or you risk losing your intro APR and having to pay interest on your full balance.

Balance transfers are limited to your available credit or $15,000, whichever is lower. The debt you are transferring will be paid off after 10 days of the request.

Photo Credits/Credit/Copyright Attribution:
Got Your Back: George Allen Penton/Shutterstock
Debt Free Sign: Andy Dean Photography/Shutterstock
Improve Your Credit: iQoncept/Shutterstock
Budget Sign: Palto/Shutterstock

The information related to Chase Slate® Card has been collected independently by UpgradedPoints.com. The card details on this page have not been reviewed or provided by the card issuer.


Chase Sapphire Preferred® Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Frequently Asked Questions

What is the Chase Slate® Card? Why should I choose the card?
The Chase Slate® Card is a no annual fee credit card offered by Chase. While the card does not earn any points or have many benefits, it is a great starter card for those who need credit.

Currently, the card offers a 0% intro APR for 15 months, and it is the only Chase card to offer the free FICO score at this time. This is great for tracking your score and helping you open new cards.

Where is the Chase Slate® Card accepted?
The Chase Slate® Card is accepted anywhere that accepts Visa, and is also usable with the chip and pin technology processors.

How does Chase Slate® Card calculate my minimum payment?
The monthly minimum payment formula will be in your cardmember agreement. It is usually a $25 minimum and increases per the size of your balance. For instance, a $10,000 balance may have a $100 minimum payment.

Check your cardmember agreement for details.

What is the Chase Slate® Card login?
You access the Chase Slate® Card through the Chase credit card login.

What is the Chase Slate® Card foreign transaction fee?
You will pay 3% in fees for using this card overseas.

How do you increase your Chase Slate® Card credit limit?
Improving your credit limit has to do with your credit score. If the bank trusts you, then you’ll be able to improve your credit limit. If your score is low, you likely haven’t shown much trustworthiness.

In order to improve your credit limit, you should call your customer service agent at Chase. Sometimes, they will automatically increase your credit limit over time, but not always.

Which is better, the Chase Slate® Card or Chase Sapphire Preferred® Card?
This depends on what you are looking for. If you want a points card, then the Chase Sapphire Preferred® Card is the better choice. However, if you are just looking to build credit, the Chase Slate® Card is the better choice.

The Chase Sapphire Preferred® Card costs $95/year, while the Chase Slate® Card has no annual fee. The Chase Slate® Card also offers you a free FICO score.

Which is better, the Chase Slate® Card or Chase Freedom Card?
Both of these cards would be a great starter card, since both have no annual fees. However, the Chase Freedom® earns cash-back, which will help you earn travel rewards if combined with a Chase travel card.

The Chase Slate® Card offers you a free FICO score, which the Chase Freedom Card does not. On the other hand, you will get some low-level insurance benefits with the Chase Freedom Card which the Chase Slate® Card does not have.

Which is better: Chase Slate® Card vs. Capital One Quicksilver Cash Rewards Credit Card?
Both cards are offered at no annual fee, and therefore would be good basic credit building cards. The Capital One Quicksilver Cash Rewards Credit Card offers a flat 1.5% cash-back for all purchases, helping you reduce your bills!

Which is better: Chase Slate® Card vs Citi Double Cash Card?
The Citi Double Cash Card is another no annual fee card that would work in place of the Chase Slate® Card as a credit builder. The Citi Double Cash Card offers a 2% total cash-back, which is even better than the Capital One Quicksilver Cash Rewards Credit Card.