Chase Slate® review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Chase Slate suits people who want a rewards credit card with nothing to pay for holding it. The annual fee is $0, cash back runs at 1.5% on most purchases, and the balance transfer offer runs for 15, so it works for everyday spenders carrying a balance.
Key facts
- Best for
- A fee-free rewards credit card that also pays an intro rate on a balance transfer.
- Annual fee
- $0 (Source, checked September 26, 2026)
- APR
- 18.24% to 27.74% (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1.5% cash back on other purchases, 3% dining and drugstores, 5% Chase Travel (Source, checked September 26, 2026)
- Balance transfer intro period
- 15 months (Source, checked September 26, 2026)
- Balance transfer fee
- 5% (Source, checked September 26, 2026)
- Credit needed
- Good (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Cashback rate
- 1.5% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- JPMorgan Chase Bank, N.A. (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- chase.com
Debit cards
- Monthly fee
- $15 (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- JPMorgan Chase Bank, N.A. (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Annual fee of $0 with cash back of 1.5% on most purchases, paid in cash rather than points.
- Intro APR for 15 on purchases and balance transfers, with a balance transfer fee of 5%.
- Higher listed rates on dining, drugstores and Chase Travel, and $200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers and Free credit score and alerts with Chase Credit Journey includes no minimum redemption value for cash back.
- FDIC insurance is listed among the perks, and the card is issued by JPMorgan Chase Bank, N.A..
Cons
- Foreign purchases cost 3%, so card use abroad erodes the cash back.
- Support runs on help centre only, with no phone or chat line listed.
- Purchases and balances outside the intro period carry an APR of 18.24% to 27.74%, against a site median of 20.97%.
Who it suits
- People with good credit who want rewards on everyday spending.
- Cardholders moving a balance who can clear it inside 15.
- People who shop on Chase Travel or at drugstores, where the listed cash back rates are higher.
Who should look elsewhere
- Heavy foreign spenders, because foreign purchases cost 3% here while Chime Card (Secured Visa Credit Card) lists 0%.
- People rebuilding credit, since this card asks for good credit and Varo Believe Secured Credit Card is built for that, with an APR of 0%.
How it compares on our data
Chase Slate sits at position 1 among the 301 brands compared on annual fee, at the cheapest end of the table. On currency conversion fee it ranks 147 of 181, so foreign spending is where the cost shows up. Holding the card is the stronger part of the picture, and cross-border use is the weaker part.
The company behind it
The card is issued by JPMorgan Chase Bank, N.A.. The only support channel listed is help centre, so most questions are answered through self-service rather than a named phone or chat line. That setup suits people comfortable reading answers online, and suits a disputed charge or a stuck transfer less well.
How Chase Slate® compares
8.8 vs 9.4
8.8 vs 9.0
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Chase Slate® vs Current Build Card8.8 vs 9.4
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Where Chase Slate® is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Chase Slate cost to hold?+
It is a credit card on a no annual fee model, with an annual fee of $0 and nothing to pay for keeping it open. Spending earns cash back at 1.5% on most purchases, and the rewards type is cashback rather than points or miles, so the value arrives as cash.
What is the balance transfer offer?+
There is an intro APR for 15 that covers purchases as well as balance transfers, and moving a balance over costs 5%. The regular rate once that period ends is 18.24% to 27.74%, so the deal only pays if the balance clears before the intro rate ends.
How much cash back do I earn and how do I get it?+
Base cash back is 1.5% on other purchases, with higher listed rates on dining, drugstores and Chase Travel, and there is no minimum redemption value. The listed perks, $200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers and Free credit score and alerts with Chase Credit Journey, add a spend-linked welcome bonus and free credit score and alerts through Chase Credit Journey.
Who issues the card and what protection comes with it?+
The issuer is JPMorgan Chase Bank, N.A., and FDIC insurance sits in the listed perks, $200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers and Free credit score and alerts with Chase Credit Journey, alongside the welcome bonus and the Chase Credit Journey credit score and alerts. Because rewards are cash back with no minimum redemption value, there is no points programme to work through before the value is usable.
What credit history do I need?+
The card asks for good credit, a level shared by 45.7% of the brands tracked. If credit is the problem rather than the fee, Varo Believe Secured Credit Card is built for building history, and it lists an APR of 0%.
What do foreign purchases cost?+
Foreign transactions cost 3%, which is the clearest cost to watch if you spend abroad or hold another currency. Cash back on other purchases is 1.5%, so a trip can cost more than it earns back. Chime Card (Secured Visa Credit Card) lists a currency conversion fee of 0% for comparison.
Sources
- chase.com checked September 26, 2026
Backs: Legal entity
“JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.”
- chase.com/credit-cards checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Features, Pricing model, Rewards type, Support channels
“Chase Freedom Unlimited(R) credit card - Earn a $200 bonus; Earn unlimited 1.5% cash back or more on all purchases; No Annual Fee”
- chase.com/personal/checking/total-checking checked September 26, 2026
Backs: Card type, Monthly fee
“you'll get reimbursed for unauthorized charges on your debit card when reported promptly”
- nerdwallet.com/reviews/credit-cards/chase-freedom-unlimited checked September 26, 2026
Backs: APR, Balance transfer fee, Balance transfer intro period, Credit needed, Currency conversion fee, Perks, Rewards rate
“APR: 18.24%-27.74% Variable APR (Chase Freedom Unlimited)”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Chase Slate®
A fee-free rewards credit card that also pays an intro rate on a balance transfer.