Chase Slate

Chase brought Slate back in 2026 as a single purpose tool: a place to park debt while you pay it down. There are no rewards, no welcome bonus, and no annual fee, and that austerity is the design rather than an oversight. The card suits someone carrying a balance at a double digit rate elsewhere, or someone about to finance a large planned purchase, who wants the longest interest free runway available and will not treat the new limit as spending money. Chase asks for good credit, roughly 670 or higher, which is the quiet catch of the whole category: the people who most need 21 months at 0% often no longer have the score to be approved for it. The headline is 0% APR for 21 months on both purchases and balance transfers. Covering both sides matters more than it sounds. Plenty of payoff cards give a long runway on transfers but a short one on purchases, so new spending starts accruing interest immediately while the promotional balance sits protected. With one window across both, the card behaves predictably. Divide the balance by 21, pay that amount every month, and you finish at zero the month the promotion ends. Anything still outstanding after that converts to the regular rate. There is no annual fee, so the cost of this card is not measured in dollars per year. It lives in two other places. First, read the balance transfer fee line in your offer before moving anything: on a card with no annual fee and no rewards, that up front charge is the number that decides whether the transfer beats staying put, and it should be compared against the interest you would otherwise pay over the same 21 months. Second, the ongoing APR after the promotion runs 18.24% to 28.24% variable, and where you land in that range is set at approval rather than earned afterward. Anyone who treats the intro period as breathing room instead of a deadline arrives at month 22 on that rate with the same balance. Skip it if you want to earn anything. There is no bonus and no rewards program, so every dollar you spend here returns nothing that a free cash back card would have paid you for. Skip it as well if the balance you want to move is already on a Chase card, since issuers do not permit transfers between their own accounts, and if the underlying problem is spending rather than interest, because a fresh line of credit at 0% is an accelerant for that. This is a card you should plan to stop using, and ideally to have cleared, before the 21 months are up.