Updated September 28, 2026 · DebitCue Editorial Team
Chase Slate® vs Current Build Card
Current Build Card
Higher score in this comparison
Chase Slate®
Where Chase Slate® and Current Build Card differ
| Compare | Chase Slate®ReviewSee alternativesSee alternatives | Current Build CardReviewVisitVisit |
|---|---|---|
| APR | 18.24% to 27.74% | 0%Lower |
| Rewards type | Cashback | Points |
| Rewards rate | 1.5% cash back on other purchases, 3% dining and drugstores, 5% Chase Travel | 1x points per $1 on eligible purchases, redeemable as cash back |
| 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 | Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft, 40,000 fee free in network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts |
| Card kind | Credit | Charge |
| 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), Currency conversion fee (3%).
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Key differences
- Current Build Card scores higher overall: 9.4 vs 8.8.
- APR is lower at Current Build Card: 0% vs 18.24% to 27.74%.
- 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 Current Build Card offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- Support channels: only Current Build Card offers Email, Chat.
- Features: only Current Build 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.
Current Build Card
The Current Build Card suits US adults with poor credit who want a secured charge card with an annual fee of $0 and an APR of 0%. Foreign spend is the trade-off, since a currency conversion fee of 3% applies where the Varo Believe Secured Credit Card charges 0%. Overall 5.9.
Score breakdown
| Area | Chase Slate® | Current Build Card |
|---|---|---|
| Cost | 8.8Annual fee $0, cash back 1.5%, but 3% on foreign spend and 5% to transfer a balance. | 9.2HigherAnnual fee of $0 and APR of 0% sit at the value end, while a currency conversion fee of 3% lifts the cost abroad. |
| Offer | 8.8Cash back of 1.5% with higher dining, drugstore and Chase Travel rates, plus an intro period of 15. | 9.7Higher |
Where they rank in our lists
| Ranking | Chase Slate® | Current Build Card |
|---|---|---|
| Credit cards | 262 of 1020 | 14 of 1020 |
What it costs in practice
A year with 1,000 spent abroad
Chase Slate®
$30
1 × $0 + 3% of 1,000
Current Build Card
$30
1 × $0 + 3% of 1,000
Both come to the same total.
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
Current Build Card
30
3% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
Chase Slate®
- chase.com: 8 facts, checked September 26, 2026
- nerdwallet.com: 7 facts, checked September 26, 2026
Current Build Card
- current.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Chase Slate® | Current Build Card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards, SecuredCovers more |
| Legal entity | JPMorgan Chase Bank, N.A. | Finco Services, Inc. |
| Headquarters | Not confirmed | United States |
| Support channels | Help centre | Email, Chat, Help centreCovers more |
Debit cards
| Fact | Chase Slate® | Current Build Card |
|---|---|---|
| Monthly fee | $15 | Not confirmed |
| Card type | Debit | Not confirmed |
Where each stands against the rest
| Fact | Chase Slate® | Current Build Card | Median |
|---|---|---|---|
| Annual fee | $0at the median | $0at the median | $0 |
| APR | 18.24% to 27.74%below the median | 0%lowest quarter | 19.39 |
| Currency conversion fee | 3%highest quarter | 3%highest quarter | 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%.
Current Build Card
Pros
- Annual fee of $0 and APR of 0%, which places the card at 1 on annual fee out of 301 and at 1 on APR out of 133
- Opened for poor credit, poor, with a secured structure alongside rewards in rewards and secured
- Fee-free overdraft, a wide in-network ATM allowance and cash deposits at retail locations sit in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
Cons
- A currency conversion fee of 3% applies abroad, against 0% on the Varo Believe Secured Credit Card and 0% on the Chime Card
- Support runs on email, chat and help centre, which leaves no phone line for an urgent dispute
- Rewards are points redeemable as cash back, so a reader after a richer scheme gets less from spending here
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%.
Current Build Card
Who it suits
- Adults in the US with poor credit who are turned down elsewhere, since the card is aimed at poor credit
- US residents paid by direct deposit who can use the early paycheck and savings features in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
- Households wanting a single account covering a card, a savings pot and a teen account under the same provider
Who should look elsewhere
- Anyone spending heavily abroad, because the 3% conversion charge applies where the Varo Believe Secured Credit Card charges 0%
- Card users who want to talk to someone on the phone, since help runs on email, chat and help centre only
- People who want miles or a transferable points scheme, as this card pays points redeemable as cash back
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® | Current Build 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.
Current Build Card
Is there an annual fee on the Current Build Card?+
The annual fee is $0, so the card costs nothing to keep open. That puts it at 1 on this measure out of 301 brands, and at the €0 site median. A reader who worries only about holding a card open finds nothing to pay here.
Will I pay interest on a balance?+
The APR is 0%, so a balance carried does not grow through interest on this card. It ranks at 1 on APR out of 133 brands, and the site median APR is 20.97%. The card is listed as a charge card in charge terms, so payment terms still matter even without interest.
Other options to compare
Other matchups
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Current Build Card
Chase Slate®