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Chase Slate® review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Chase Slate® suits US borrowers with good credit who want a long balance transfer window without an annual fee, $0. The intro period runs 15 and the card pays cash back on ordinary spending, but a carried balance settles at APR of 18.24% to 27.74%.

Key facts

Best for
Moving a balance over the intro window for an annual fee of $0.
Annual fee
$0↗
APR
18.24% to 27.74%↗
Currency conversion fee
3%↗
Rewards type
Cashback↗
Rewards rate
1.5% cash back on other purchases, 3% dining and drugstores, 5% Chase Travel↗
Balance transfer intro period
15 months↗
Balance transfer fee
5%↗
Credit needed
Good↗
Perks
$200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers, Free credit score and alerts with Chase Credit Journey, No minimum redemption value for cash back, FDIC insured↗
Cashback rate
1.5%↗
Card kind
Credit↗
Regulators
FINRA, SIPC↗
Legal entity
JPMorgan Chase Bank, N.A.↗
Headquarters
United States↗
Founded
2000↗
Support channels
Help-centre↗
Pricing model
No annual fee
Features
Rewards
Audience
Beginners
Official website
chase.com

Brokers

Minimum deposit
$0↗
Stock trade fee
$0↗
Account fee
$0↗
Markets
Stocks, ETFs, Options, Bonds, Funds, Crypto↗
Investor protection
SIPC up to USD 500,000↗
Margin rate
12.25%↗
Options contract fee
$0.65↗
Deposit and withdrawal fees
$25 wire fee↗
Platforms
Chase Mobile app, Chase.com↗
Account types
IRA, Roth-IRA, Joint↗

Savings

Rate type
Variable↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
Easy access to funds via the Chase Mobile app; interest compounded and credited monthly on the daily collected balance↗
Monthly fee
$15↗
Account kind
Easy access↗

Debit cards

Card type
Debit↗

Mortgages

Initial rate
6.99%↗
APRC
7.189%↗
Fixed period
30 years↗
Maximum loan to value
97%↗
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity↗

Robo-advisors

Minimum investment
$25,000↗
Portfolio types
ETF, Crypto↗

Facts checked September 26, 2026, 17 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Annual fee of $0, balance transfer fee of 5% over an intro period of 15.
  • Cash back of 1.5% on other purchases, higher on dining, drugstores and Chase Travel, with no minimum redemption value.
  • A welcome bonus sits in the perk list alongside a credit score and alerts through Chase Credit Journey.

Cons

  • Support runs on help centre only, with no listed phone line or live chat.
  • Currency conversion of 3% ranks 152 of 186, above the credit card median of 2%.
  • APR of 18.24% to 27.74% sits against a median of 16% once the intro period ends.
Chase Slate®

Ready to try Chase Slate®?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • US residents with good credit who can clear a balance inside the intro window.
  • Cardholders who want cash back paid to the account with no minimum redemption value.
  • Everyday spenders as well as balance carriers, since the perk list adds a welcome bonus to a reward on ordinary purchases.

Who should look elsewhere

  • Readers spending in sterling or euros, since the card is issued by JPMorgan Chase Bank, N.A. in the United States; Wise charges an annual fee of £0.
  • Applicants with a thin credit file, since approval here asks for good credit, while Varo Believe Secured Credit Card runs at an APR of 0%.

How Chase Slate® compares

Where Chase Slate® is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there an annual fee on Chase Slate®?+

The annual fee is $0 and the card is listed as a no annual fee model. That ranks it 1 of 312 cards compared on the fee, so holding the account adds no yearly cost before any spending.

What does the balance transfer offer cost?+

The balance transfer fee is 5%, with the intro rate applying for 15. The perk list also shows an intro APR on purchases and balance transfers for the same window, so the value depends on clearing the balance before it ends.

What APR applies after the intro period?+

Purchases and balance transfers settle at an APR of 18.24% to 27.74% once the intro period ends, against a median of 16% for credit cards. That gap is the price of carrying a balance beyond the 15 window, so the offer only pays for cardholders who clear it in time.

What does it cost to use the card abroad?+

The currency conversion fee is 3%, which ranks 152 of 186 brands and sits above the credit card median of 2%. Travellers who settle bills in the local currency, or move balances through a cheaper account, pay less for the same spending.

What rewards does the card pay?+

Rewards are paid as cashback, at 1.5% on other purchases with higher rates on dining, drugstores and Chase Travel. The perk list also shows no minimum redemption value, so small spends still earn, and a welcome bonus adds a one-off payment for spending in the early months.

What credit do you need to be approved?+

The account asks for good credit, which is a mid-range bar rather than a thin file one. Applicants without that history are better placed with a secured card such as Varo Believe Secured Credit Card, where the rate is 0%.

How is customer support handled?+

Support runs on help centre alone, so questions are answered in writing rather than through a listed phone line or live chat. Cardholders who rely on calling a number may find that slower, and the credit score and alert tool in the perk list covers monitoring rather than account queries.

Is the money held with the issuer protected?+

The card is a credit product issued by JPMorgan Chase Bank, N.A. in the United States, and the perk list includes FDIC insurance. Buyers weighing the safety of the money should read that cover as sitting with deposits held at the bank rather than with card balances, which are credit.

Sources

And 2 more source pages.

Compiled from 17 source pages, checked September 26, 2026. We did not open an account.

Chase Slate®

Chase Slate®

Moving a balance over the intro window for an annual fee of $0.

8.9/10See alternatives