Chase Slate® Card review: A highly competitive intro APR offer

If you’re looking to pay off existing credit card debt, this card’s long intro offer can help you save on interest charges and allow you plenty of time to pay down the balance. It’s also an excellent choice for large purchases since the promotional APR extends to purchases as well.

Intro APR: One of the longest offers available

The Chase Slate offers 0% intro APR for 21 months on purchases and balance transfers. After that, a 18.24% - 28.24% Variable APR kicks in. 

This is a generous promo offer that competes with some of the best APR offers on the market. If you have a high credit card balance, having the extra time to pay it off without accumulating interest can help you do so without overstretching your monthly budget. Similarly, the card is one of the best options for financing large purchases. In either case, the key is to pay off the entire balance before the offer expires to avoid any remaining APR charges.

Rates and fees: In line with competition

To complete a transfer, cardholders need to pay a fee of $5 or 5% of the transfer amount, whichever is greater. This is typical but also on the higher end of the average range of balance transfer fees. You can find several of the best balance transfer cards that only charge 3%. For higher balances, the difference can be significant.

As for the ongoing APR, it’s also in line with what other similar credit cards charge. Plus, cardholders with excellent credit might receive a lower than average interest rate, which can come in handy if you do end up carrying a balance.

The Chase Slate can serve you well when you’re dealing with a high balance, but there’s little it can offer once the intro period expires.

Perks: Little ongoing value

With this card, you’ll be automatically considered for a credit limit increase every six months. This might be helpful as a higher credit line can ease the pressure of a high balance on your credit score by lowering your credit utilization — provided you don’t add new charges. The card also comes with DashPass access (activation required by Dec. 31, 2027). 

Sadly, those are the only notable perks, outside of a few credit-building features like free credit monitoring through Experian. The Chase Slate doesn’t offer any rewards or attractive benefits. If that’s an important factor for you, consider cards with shorter intro offers as they’re more likely to provide value beyond the promotional period.

The Chase Slate can be an excellent tool for paying down existing card debt or financing new purchases. However, other cards provide similar offers — and some options come with higher long-term value potential if you’re willing to sacrifice a few months of 0% APR.

*The information about the Chase Slate Edge℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Our proprietary card rating system takes into account a mix of factors when scoring balance transfer and low-interest cards, including each card’s introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more.

While balance transfer and general low-interest cards share a similar ratings rubric, we weigh features differently based on how a card is categorized. We categorize cards that carry an especially long intro APR offer on balance transfers as dedicated balance transfer cards, while cards that offer an especially low ongoing APR are considered general low-interest cards. 

Based on its features, we assigned this card a primary category of balance transfer and tailored our ratings accordingly. 

We analyzed over 100 of the most popular balance transfer and low-interest cards and scored each based on where its key features stood in relation to others in its category. 

Here’s a breakdown of what gave this card its score: