Chase Slate® Review Credit Card 5 2016-05-25 14:38:59

Chase Slate® Review

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

Full Review:
Chase Slate® is a great card if you're interested in consolidating your higher interest rate credit card balances onto a single, lower interest rate card. Not only do users benefit from a 15 month, 0% introductory APR on both purchase and balance transfers, but if they transfer their balances to this card in the first 60 days they don't have to pay any balance transfer fees. This is the only card we've found with the combination of no balance transfer fee and a long 0% intro APR.

Another great Chase Slate feature 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.

You'll also get 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 imbedded EMT chip technology, which makes travelling outside the U.S. easier, and Purchase Protection.

Highlights
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 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 13.24%-23.24% variable, depending on creditworthiness.
  • Balance Transfer APR: 0% Intro APR on Balance Transfers for 15 months then 13.24%-23.24% 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

Purchase APR:0% Intro APR on Purchases for 15 months, then 13.24%-23.24% variable
Features:$0 introductory balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers
Annual Fee:$0
Credit Needed:Good

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