Chase has recently launched a new credit card that is worth considering if you are looking for a card. Called Slate(SM) from Chase with Blueprint, the card offers a broad range of benefits including a 0% APR introductory rate for up to 12 months. The card has no annual fee, and is designed for those with good to excellent credit. I carry the Slate(SM) from Chase and thought it was worth sharing with you. Here's a quick summary of the card's terms, followed by a more detailed review.
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Slate(SM) from Chase Rates and Terms
As with most credit cards today, Chase uses a tiered pricing structure with the Slate card. This means that the interest rate applied to the Slate(SM) from Chase depends on the applicant's credit history and credit score. Chase uses three tiers, called Elite, Premium and Standard pricing. Currently, the regular APR is 13.24% Variable (Elite), 17.24% Variable (Premium), and 22.24% Variable (Standard). The card comes with no annual fee.
Chase Blueprint
Blueprint is a recent feature introduced by Chase to help cardholders better manage their accounts. With Blueprint, you have four different options that may prove very helpful:
Full Pay: With Full Pay, you can select those categories of purchases that you will pay off in full each month. When you pay them off in full each month, you won't be charged interest on those purchases, even if you have other balances on the card that are not part of Full Pay. Here is Chase's description of Full Pay:
FULL PAY is a feature that lets you avoid paying interest on everyday purchases. You can select the types of purchases you would like to pay off in full each month. Those purchases will be separated out for you and totaled on your monthly statement. As long as you make your BLUEPRINT Payment by your due date, you will not pay interest on those purchases.
There is no charge for this service, and you can change or cancel your Full Pay categories any time. You can set up a maximum payment for Full Pay, with any overage going into your regular account. And if you can make a Full Pay payment in any given month, your account will still remain in good standing so long as you make the minimum payment due on time and comply with the other terms and conditions of the card. In short, Full Pay is a benefit for cardholders to better manage their money, but there is no obligation to use this Blueprint feature.
Split: The Split feature of Blueprint allows you to set up payment plans for larger purchases. Here's how Chase describes Split:
SPLIT is a feature that lets you build a custom plan to pay off a large purchase. Simply decide how much you want to pay each month or how fast you want to pay it off. We do the math and set up the plan for you. The plan and your payment progress will appear clearly and separately on your statement.
Split allows you to set up a payment plan based on a set monthly payment or based on the number of months to pay off the balance in full. And Chase has tools that will calculate this information for you online.
Finish It: The Finish It feature is similar to Split It, but it covers the entire card balance. With Finish It, Chase Blueprint will help you devise a plan to pay off the entire balance on the credit card. According to Chase,
FINISH IT is a feature that allows you to build a custom plan to pay down your card balance. Simply decide how much you want to pay each month or how fast you want to pay it off. We do the math and set up the plan for you. The plan and your payment progress will appear clearly and separately on your statement.
Track It: All credit card purchases are automatically categorized. These categories include automotive, dining, drugstores, grocery stores, and so on. Chase puts this feature to good work with Track It. All of your purchases are separate into their respective categories that you can track online. Track It also lets you set a budget for each category. These budget amounts can be changed anytime, and are designed to help you better manage your money.
0% Introductory Rates
Slate(SM) from Chase offers a 0% introductory rate for up to 12 months on both purchases and balance transfers. Those that qualify for Elite or Premium pricing will receive 0% on purchases for 12 months. On balance transfers, Elite and Premium cardholders receive 0% for 12 months, while Standard pricing cardholders will receive 0% intro APR on balance transfers for 6 months. There is a 3% (minimum $5) transfer fee that applies to all balance transfers.
Slate(SM) from Chase Summary
Chase Slate with Blueprint Credit Card
- Now with Blueprint(SM)
- 0% intro APR for up to 12 months on Purchases and Balance Transfers
- Patented Fraud Protection
- Zero Liability on Unauthorized Purchases
- E-mail and text alerts
- No Annual Fee
{ 14 comments… read them below or add one }
I applied last week for a 0% interest rate balance transfer card, but not have heard anything. How do I find out the status of my application, please? thank you.
Katharine, you need to contact the credit card company where you submitted your application. If you don’t have the number, it should be available on their website.
I have 2 other Chase Credit Cards when is it going to avaible to get blueprint on them Thank you Jason
Jason, right now Chase’s primary cards all have blueprint: Freedom, Slate and Sapphire. I’m not sure if or when they will add other cards.
We are interested in your credit card offer. Can we reach you by telephone to apply for a card.
All the best.
Frank Simeone
Frank, to apply you have to go to the official Chase application page, which you can find by clicking here.
IS THERE A PHONE NUMBER TO CHECK IF MY APPLICATION HAS BEEN APPROVED?
Be very careful with Chase Slate. They just took me for a ride. I applied for a Slate CC account, received the card and activated it. Got 0% or purchases and balance transfers for 12 months. This is in writing along with my Credit Limit.
Today, I tried to transfer a balance on-line and this option is not available to me. After calling Chase Customer Service, I learned that I can only transfer a balance if I receive an offer in writing from Chase (with checks in the envelope). Needless to say, I closed the account immediately. I hate being taken for a ride by a CC company with deceptive practices.
Please email my application status.
Manuel, you can call Chase directly to get the status of your application. You’ll find their number on the official Slate from Chase website.
What is the credit limit on the Chase Slate Credit Card?
Rikki, the credit limit for the Chase Slate card depends on your credit score and credit history. You’ll find out exactly what your credit limit is after you apply for the card and are approved by Chase.
After having my American Express Blue tell me there were no transfers available on my zero-balance, 30k limit card – I cancelled it and applied for a Blueprint with an attached, hefy balance transfer. The response was instant. If you have great credit, I highly recommend giving this one a try. Amex just lost a customer of nearly a decade.
Dan, thanks for letting us know. American Express cards are great for many purposes, mainly travel rewards, but they have moved away from 0% balance transfer offers on most of their cards.