Chase Slate Review: An Extra-Long Time to Pay Down Debt
What’s on This Page
The Bottom Line
4.6
This card offers a generous introductory APR period for those looking to pay down debt. However, there are no rewards, so the long-term value is limited.
Rates, fees and offers
Rates, fees and offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
N/A
Intro APR
0% intro APR on Purchases and Balance Transfers for 21 months
Ongoing APR
APR: 18.24%-28.24% Variable APR
Cash Advance APR: 28.49%, Variable
Penalty APR: Up to 29.99%
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
More details from Chase
More details from Chase
- 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
- No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
- Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
- Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
- Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
- Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
- Member FDIC
Pros and Cons
Pros
No annual fee
Intro APR period
Cons
No rewards
Requires good/excellent credit
Detailed Review
The Chase Slate® returned to the market in January 2026 after a long absence. The card has a $0 annual fee and an extra-long introductory APR period on purchases and balance transfers. We're completely revising our review to incorporate changes that have been made since the original Slate was pulled off the market (and replaced with the now-unavailable Chase Slate Edge℠). In the meantime, here are the basics about the card:
Card type: Balance transfer and 0% APR.
Annual fee: $0.
APR: 0% intro APR on Purchases and Balance Transfers for 21 months, and then the ongoing APR of 18.24%-28.24% Variable APR.
Sign-up bonus: None.
Rewards: None.
Balance transfer fee: 5% of the amount of each transfer, or $5, whichever is greater.
Foreign transaction fee: 3%.
The current version of the Chase Slate® card launched in January 2026 and replaced the similarly named Chase Slate Edge℠ in the issuer's lineup. The "Edge" card itself was a replacement for the original version of the Slate card, which was taken off the market in 2020. The original Slate was famous for its $0 introductory balance transfer fee, part of an industry trend that has all but died out. The new version of the Slate card has a transfer fee (although its intro APR period is longer than the original's).
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Methodology
NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.
About the author
Sara Rathner
Senior Writer/Spokesperson
