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Why Transferring Credit Card Balances Is Brilliant

Credit card issuers are in such fierce competition these days to attract new customers that most have started offering sweetheart deals to win you over, like ultra-long 0% introductory APR interest periods. By transferring your balance onto the Chase Slate, you immediately stop all interest charges during the introductory period.

The No Transfer-Fee Card (As Long As You Make Your Move Within 60 Days)

Pros: The Chase Slate® is unique in that it brings 3 huge benefits to the table for those considering a balance transfer.

  1. No balance transfer fee in first 60 days: If you make your balance transfer in the first 60 days of getting the card, Chase Slate® doesn't charge a balance transfer fee. As most cards charge a 3% fee, this can mean hundreds of dollars in savings for people with significant balances.
  2. 15 months of 0% intro APR on balances transferred: In other words, you dont have to pay any interest in any balance you transfer to the card for the first 15 months. Combine this with the absence of a transfer fee, and what you really have is a 15 month interest-free "loan". Normally you have to go to family in order to get a free loan like that.
  3. Only need "good" credit: Most cards offering long 0% intro APR periods require "excellent" credit to get them. Not so for the Chase Slate®, which takes a more democratic approach to balance transfers. So not only is this our highest rated balance transfer card, it's also the card that's realistically able to help the most people manage their credit card debt. That makes us feel warm and fuzzy. 

Cons: There is no significant rewards program. This card is all about saving money on balance transfers.

The Verdict: No transfer fee and no annual fee, combined with the 0% intro APR means that this is really free money for the 15 month term, no catches.

Most Appropriate For: Those who want a no-fee way to stop paying interest, and possibly pay off the cards during that breather. Those with good rather than excellent credit.

Least Appropriate For: Those who know they will carry their card balances for much longer than 15 months. Those who pay off their balances every month.

Credit Required: Good to Excellent

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Comparing The Best Intro APR Cards

Card Name Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line  
Chase Slate®
0% intro for first 15 months, then 13.24%-23.24% (variable) $0 0% intro for 15 months
No transfer fee
Good/Excellent $0 introductory balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers Our Rating: ★★★★★
A great card for less than excellent credit, while offering solid features like $0 transfer fee & 15 months 0% intro APR
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