Chase Slate® Review Credit Card 5 2017-05-24 15:48:21

Chase Slate® Review

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Rating:
Bottom Line:
Great choice for balance transfers; $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months

Full Review:
Chase Slate® is a smart choice for those who'd like to consolidate their higher interest rate credit card balances onto a single, lower interest rate card. It's one of the few cards we review that combines no balance transfer fees with a lengthy 15-month 0% intro APR on both purchases and balance transfers. Not paying a dime to transfer your balances onto Chase Slate® can save you a bunch of money, plus you won't have to pay any interest on new purchases or your balance transfers for over a year. You do need to transfer your balances to this card in the first 60 days to take advantage of no balance transfer fees, but this shouldn't be an issue for most, particularly if you're moving balances from other credit cards over to this one.

Another great feature Chase Slate® offers is there is no penalty APR. This means that your APR will not increase if you are late on a payment (this is more pertinent to after the 0% intro APR period). It's a big perk for those of us who might forget to pay on time every now and then, as paying late won't cause an increase in your ongoing interest rate.

Chase Slate® also provides you with a free monthly Experian FICO® Score, along with a credit dashboard that explains the reasons behind your score and provides helpful tips on ways to manage your credit health. Getting a free FICO® Score is a great way to assist in keeping track of your credit and even though the score is only from one credit bureau (Experian) and not all 3 of them, this is still a terrific bonus. Other card benefits include embedded EMT chip technology, which makes traveling outside the U.S. easier, and Purchase Protection.

Highlights
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine.
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Help Manage Finances
  • Decide how much you want to pay each month or how fast you want to pay off the entire purchase.
  • Set aside regular expenses, such as groceries, gasoline and medicine, to pay in full each month (thus not paying interest).
  • Create a custom payment plan for larger purchases to ensure that you pay off the purchase on your terms.
  • Comes with tracking tools that give you a snapshot of your purchases by category, in real time.

Fees and APR
  • Annual Fee: $0.
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
  • Purchase APR: 0% Intro APR on Purchases for 15 months then 15.74%-24.49% variable, depending on creditworthiness.
  • Balance Transfer APR: 0% Intro APR on Balance Transfers for 15 months then 15.74%-24.49% Variable, depending on creditworthiness.
  • Balance Transfer Fee: $0 balance transfer fee during the first 60 days your account is open. After the first 60 days the balance transfer fee is Either $5 or 5% of the amount of each transfer, whichever is greater..


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Card Details

Features:$0 intro balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers
Purchase APR:0% Intro APR on Purchases for 15 months, then 15.74%-24.49% variable
Balance Transfer APR:0% Intro APR on Balance Transfers for 15 months, then 15.74%-24.49% Variable
Annual Fee:$0
Credit Needed:Good

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