Updated September 28, 2026 · DebitCue Editorial Team
Chase Slate® vs Chime Card (Secured Visa Credit Card)
Chase Slate®
Chime Card (Secured Visa Credit Card)
Higher score in this comparison
Chase Slate® vs Chime Card (Secured Visa Credit Card): the differences
| Compare | Chase Slate®ReviewSee alternativesSee alternatives | Chime Card (Secured Visa Credit Card)ReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 3% | 0%Lower |
| Rewards rate | 1.5% cash back on other purchases, 3% dining and drugstores, 5% Chase Travel | 5% cash back on selected category (Chime Prime with $3,000+ monthly direct deposits) or 2% (Chime Plus) |
| Credit needed | Good | Poor |
| 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 | Visa Zero Liability fraud protection, Autopay feature, SpotMe overdraft protection, No credit check, Reports to 3 major credit bureaus, Access to 47,000+ fee free ATMs |
| APR | 18.24% to 27.74% | Not confirmed |
| Balance transfer intro period | 15 months | Not confirmed |
| Balance transfer fee | 5% | Not confirmed |
| Cashback rate | 1.5% | Not confirmed |
Same on both: Annual fee ($0), Rewards type (Cashback), Card kind (Credit).
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Key differences
- Chime Card (Secured Visa Credit Card) scores higher overall: 9.1 vs 8.8.
- Currency conversion fee is lower at Chime Card (Secured Visa Credit Card): 0% vs 3%.
- Perks: only Chase Slate® offers $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.
- Perks: only Chime Card (Secured Visa Credit Card) offers Visa Zero Liability fraud protection, Autopay feature, SpotMe overdraft protection.
- Support channels: only Chime Card (Secured Visa Credit Card) offers Phone, Chat, Email.
- Features: only Chime Card (Secured Visa Credit Card) offers Secured.
Our verdict on each
Chase Slate®
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.
Chime Card (Secured Visa Credit Card)
Chime Card Secured Visa Credit Card suits people with poor credit who want a secured card with cashback and no annual fee. Its annual fee is $0, while the lack of a conventional credit check and reporting to the major credit bureaus help position it for credit building.
Score breakdown
| Area | Chase Slate® | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Cost | 8.8Annual fee $0, cash back 1.5%, but 3% on foreign spend and 5% to transfer a balance. | 9.4HigherThe secured card charges an annual fee of $0 and a currency conversion fee of 0%. |
| Offer | 8.8Cash back of 1.5% with higher dining, drugstore and Chase Travel rates, plus an intro period of 15. | 9.6Higher |
| Trust | Not confirmed | 8.5 |
What it costs in practice
A year with 1,000 spent abroad
Chase Slate®
$30
1 × $0 + 3% of 1,000
Chime Card (Secured Visa Credit Card)
$0
1 × $0 + 0% of 1,000
Chime Card (Secured Visa Credit Card) costs $30 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Spending 1,000 abroad
Chase Slate®
30
3% of 1,000
Chime Card (Secured Visa Credit Card)
0
0% of 1,000
Chime Card (Secured Visa Credit Card) comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Chase Slate® | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Debit cards | 285 of 1336 | 164 of 1336 |
| Credit cards | 262 of 1020 | 158 of 1020 |
| Cashback cards | 107 of 203 | 58 of 203 |
Every fact side by side
| Fact | Chase Slate® | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards, SecuredCovers more |
| Legal entity | JPMorgan Chase Bank, N.A. | Chime Financial, Inc. |
| Headquarters | Not confirmed | United States |
| Founded | Not confirmed | 2012 |
| Support channels | Help centre | Phone, Chat, Email, Help centreCovers more |
Debit cards
| Fact | Chase Slate® | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Monthly fee | $15 | $0Lower |
| Card type | Debit | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Chase Slate® | Chime Card (Secured Visa Credit Card) | Median |
|---|---|---|---|
| Annual fee | $0at the median | $0at the median | $0 |
| APR | 18.24% to 27.74%below the median | Not confirmed | 19.39 |
| Currency conversion fee | 3%highest quarter | 0%below the median | 1% |
| Balance transfer intro period | 15 monthsat the median | Not confirmed | 15 months |
| Balance transfer fee | 5%highest quarter | Not confirmed | 3% |
| Cashback rate | 1.5%at the median | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
Chase Slate®
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.
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%.
Chime Card (Secured Visa Credit Card)
Pros
- The card has an annual fee of $0 and offers cashback.
- Its currency conversion fee is 0%.
- It is secured and designed for people with poor credit.
Cons
- Cashback is limited to a selected category rather than applying broadly.
- The higher cashback rate requires Chime Prime and qualifying direct deposits.
- Chime Plus receives a lower cashback rate.
Who each suits
Chase Slate®
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%.
Chime Card (Secured Visa Credit Card)
Who it suits
- People with poor credit who want a secured route to building a credit record.
- Chime Plus members who want cashback on a selected category.
- Customers who value a no annual fee card and access to fee-free ATMs.
Who should look elsewhere
- Those who want a debit-first account should compare Starling Personal Account Debit Card instead.
- People who want broad cashback rather than cashback on a selected category may prefer a different product.
- Applicants seeking a conventional unsecured credit card may find that this secured option does not suit their needs.
Current offers
Chase Slate®
Current offer
Bonus
Chase Freedom Unlimited welcome bonus: USD 200
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Source, checked September 26, 2026
Bonus
Chase Freedom Flex bonus offer: USD 250
5% cash back in quarterly bonus categories, categories must be activated each quarter; spend limits apply
Source, checked September 26, 2026
Bonus
Chase Sapphire Preferred welcome bonus: 75000 points
Sign-up bonus after spending requirement on the Chase Sapphire Preferred card
Source, checked September 26, 2026
Bonus
Chase Sapphire Reserve welcome bonus: 100000 points
Sign-up bonus after spending requirement on the Chase Sapphire Reserve card
Source, checked September 26, 2026
Bonus
United Explorer welcome bonus and $0 intro annual fee: 60000 miles
Intro annual fee $0 for the first year; sign-up bonus after spending requirement on the United Explorer Card
Source, checked September 26, 2026
Country by country
| Country | Chase Slate® | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Chase Slate®
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.
Chime Card (Secured Visa Credit Card)
Does the Chime Card have an annual fee?+
The Chime Card Secured Visa Credit Card has an annual fee of $0. It is a secured credit card, and its stated audience is people with poor credit. The product is presented as a way to build credit without a conventional credit check.
What is the card's currency conversion fee?+
The currency conversion fee for the Chime Card Secured Visa Credit Card is 0%. That makes foreign currency transactions a notable part of the card's cost proposition for anyone using it outside the US.
Other options to compare
Chase Slate®
Chime Card (Secured Visa Credit Card)