Chase Slate® Credit Card

If you are dealing with a bunch of debt, applying for another credit card may seem stupid. But if you are considering buying ChaseSlate®, you have the right idea. This card is used for balance transfers because its rare combination of features can help dedicated debtors get rid of red faster.

Chase Slate® Credit Card (1)

Chase Slate® Credit Card

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
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Alternative Rewards Credit Cards

Citi Simplicity Card - No Late Fees Ever

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee%u2026EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day %u2013 just say %u201Crepresentative%u201D
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Amex EveryDay Credit Card

The Amex EveryDay Credit Card is a good rewards card for people who make many purchases, spending a lot on groceries. It offers points for purchases, as well as a bonus for using the card more each month.You can get the most value for your points by transferring them to a travel partner. But the normal redemption options are pretty good too, providing up to 2.4% cash back depending on how you earn and redeem points.There’s an upgraded version of this card as well, the Amex EveryDay® Preferred Credit Card. See how they compare in our Review of the Amex EveryDay Cards.

Discover it® for Students

The Discover it® for Students is designed to help young people build credit. Student credit cards are made for people with limited or no credit, providing a way to start building a positive credit history.Like the Discover it®, the student version comes with an appealing absence of fees and abundance of rewards. It offers 5% cash back on a variety of categories that rotate throughout the year, including gas stations, restaurants, and Amazon.com.Not only that, Discover will double the cash back you earn in your first year of use. That means you’ll effectively get 10% back on those purchases, and that’s one of the best deals available on any credit card.The extra benefits are pretty basic for the most part and they might come in useful, like shopping and travel protections. But you’ll also get a $20 annual reward for getting good grades — you’ll need a 3.0 GPA to get that. And you can also check your FICO 8 Credit Score any time you’d like, for free.

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Balance Transfer Credit Cards

Citi Diamond Preferred Card - 21 Month Intro Offer on BT and Purchases

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi? Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi? Identity Theft Solutions
  • No annual fee*
  • Free access to FICO? Scores*

Citi Simplicity Card - No Late Fees Ever

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee%u2026EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day %u2013 just say %u201Crepresentative%u201D
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Discover it® Credit Card - 18 Month Balance Transfer Offer

  • New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Citi Double Cash Card - 18 month BT offer

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

U.S. Bank Visa® Platinum Card

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.99% - 22.99%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company? - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa? Platinum Credit Card. Certain terms, conditions, and exclusions apply.

1. What is a balance transfer credit card?

Balance transfer credit cards give people the opportunity to transfer from a high-interest credit card to a lower-interest credit card. They also can help cardholders save a lot of money they need to pay for interest. For example, if you have a high balance on a reward credit card at 23% APR, you can transfer the debt to a balance transfer credit card with a lower rate during the introductory period, so you can save money on interest and pay down your debt faster. However, you can only transfer an amount up to your credit limit on the new credit card.

2. What are the benefits of balance transfer credit cards?

Low balance transfer APR

Low balance transfer APR can help you to pay existing debt faster. This is because you can get a low promotion or introductory APR to pay the balance within a specified time frame.

Low introductory APR

This may help you cut time which takes to reduce your debt and save money on interest.

Easy to keep track of your payment

Consolidating all of your balances on to one card with a low introductory APR instead of paying multiple credit cards on multiple due dates, means you only have to keep track of one payment a month.

3. What do you need to apply for a balance transfer credit card?

Credit score

The issuer will review your personal credit history when determining whether to approve your credit card and what terms you are eligible for. Responsible past use of credit will maximize your chances.

Application

You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a balance transfer credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information. Check if the introductory APR offer and the introductory balance transfer fee apply only to the balance transfer, regular purchases, or both.

Pay down the debt

Avoid just chasing 0% balance transfer offers or keep bouncing balances from one card to another. Try to find a great balance transfer offer and making a plan to pay down your debt as soon as possible.

How to complete a balance transfer

When you respond to a balance transfer offer, you can indicate the account numbers you want to pay and how much you want to transfer.

After you get approved for the balance transfer, the new credit card issuer will contact your creditors or billers on your behalf and pay them the amount you want to transfer. This processing maybe takes up to two weeks.

If you have any payments due before that time, you have to make those payments by their due dates in order to avoid late fees.

What Chase Slate® Credit Cards Are Available?

When repaying a high-interest credit card debt, you may be surprised to find that a credit card may be the key to your success. However, some credit cards can provide you with an introductory 0% interest of 6 to 21 months. Use wisely, usually enough time to pay off debts once and for all. With the ChaseSlate® card, you get a $0 entry balance transfer fee, 0% entry APR, 15-month purchase and balance transfer, and an annual fee of $0. Plus, get a monthly FICO® score for free.

ChaseSlate®

The biggest advantage of ChaseSlate® may be that it does not charge a balance transfer fee (up to 5% and a minimum of $5) for the first 60 days after opening an account. Most other balance debit cards charge a fee equal to 3-5% of your balance, just to transfer them to the card. This feature makes it easy to see how the ChaseSlate® card can immediately save a lot of money.

Why to Apply for Chase Slate® Credit Card

Since Chase Slate credit cards are used exclusively to establish credit and repay debt, there are not many special signs of bonuses or benefits offered in the agreement. The most useful aspect of Slate credit cards is the free monthly FICO® score quote, which allows cardholders to easily check their credit scores. Since Slate credit cards are designed to help manage credit cards, this service is actually the main source of cardholder convenience.

If fraudulent spending occurs on the card, the cardholder can use zero liability protection; any unauthorized purchase must be reported through the customer service number on the back of the card. If Chase notices fraudulent spending and the cardholder does not notice it, the text alert will send a notification to the card member.

This allows cardholders to experience another outstanding aspect of Slate credit cards: customer service. Multiple customer reviews of the card expressed satisfaction with the customer service provided by Chase. The combination of exceptional customer service and a simple credit scoring monitoring system provides an excellent experience for customers using Chase Slate credit cards.

Drawbacks of Chase Slate® Credit Card

1. No rewards or cash back. Slate® does not offer travel or cash back rewards, nor does it offer any other type of reward. This is a significant disadvantage compared to other cards with reasonable APR and fees, such as Discover it (up to 5% cash back in a particular category), Discover it Chrome (up to 2% cash back in a particular category) ) and BBVA Compass reward (unlimited 1% cash back).

2. Not the longest introduction during the purchase of APR. Some Slate® competitors, such as Citi Diamonds, are preferred (21 months) and spend more time buying APR promotions.

3. There are no registration bonuses. Slate® does not offer a registration bonus. Registration bonuses are not common among Slate's competitors, but some do offer good deals - for example, BBVA Compass Rewards offers you a $150 statement for at least $1,500 within 90 days of opening an account.

4. 3% foreign transaction fee. ChaseSlate® adds 3% to all foreign transactions - a bad thing for foreign travelers. Both Citi Simplicity and Capital One Quicksilver lack foreign transaction fees.

5. There are almost no additional value added. As a simple credit card, Slate® has almost no added value, which is not shocking. In addition to the monthly FICO® scores and dashboards, there is really nothing to write about in this regard. In contrast, Citi Simplicity, a simple card for direct competitors, offers Citi Price Rewind, which can be refunded if the price of the item purchased using the card is lower (up to $300) In 60 days).

Should You Get the Chase Slate® Credit Card?

This card is for people who hold high interest debt with banks other than Chase, who do not want to pay an annual fee, who want to make a large purchase and pay 0% APR within 15 months.

ChaseSlate® is one of the reputable people in credit card debt refinancing. It offers three times the interest savings, balance transfer fees and annual fees. Use ChaseSlate® to get started with today's debt-free goals.

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