Minimum “Chase Slate” Credit Score Needed (+3 Alternative Cards)

By: Brittney Mayer • 5/24/2018

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If there’s one major drawback to a credit card, it’s probably the high interest rates most charge for carrying a balance month-to-month. Thankfully, options exist for those times when carrying a balance is simply unavoidable, in the form of 0% interest balance transfer and purchase credit cards. A balance transfer allows you to take a balance from one credit card and transfer it to another credit card with a lower interest rate, reducing your monthly payments.

One of the most popular credit cards for balance transfers and interest-free purchasing is the Chase Slate credit card, which has an introductory offer of 0% APR on purchases and balance transfers for a set period. The Slate card is the only balance transfer card that doesn’t charge you a fee to transfer a balance within the first 60 days of activation. In addition, the Chase Slate card has no annual fee and provides access to your monthly FICO score for free.

Minimum Score | Apply Online | 3 Alternatives | Reconsideration

Fair Credit Required: Reviewers Had Average Score of 640+

When it comes to qualifying for any type of credit, of course, the higher your credit score, the better off you’ll be. That said, you don’t need to have flawless credit to get approved for the Chase Slate credit card. Slate cardholders run the credit score gamut from “fair” to “excellent” credit, with most Credit Karma users carrying Chase Slate cards reporting scores between 601 and 750, and the average user seeing approval with a score between 640 and 670.

In fact, some users reported being approved for a Slate card with credit scores in the 500s, with a full 8% of users queried having a score between 551 and 600.

This graph from Credit Karma shows the percentage of users approved for a Chase Slate card in each credit score range, with the majority of users having scores between 600 and 750.

As with many credit card issuers, Chase looks at more than just your credit score when determining approval, including your overall credit history as well as your personal banking history with Chase. Most (in)famously, Chase has been known to follow what is generally called the “5/24 Rule,” which means you will likely be denied for a Chase credit card if you have opened more than 5 credit cards in the last 24 months.

You Can Apply for Your Chase Slate Card Online

Applying for a Chase Slate card is quick and easy, and can be completed entirely online through the Chase website by clicking this link, or the “Apply Now” button in the box below. The application will require you to provide personal information, such as name and address, as well as financial information, including your annual income. For well-qualified applicants, approval can take just minutes; in some cases, Chase may request more information before a decision can be made.

One thing to keep in mind when considering a Chase Slate card for balance transfers is your available credit limit, as you cannot transfer a balance larger than your approved credit limit. For example, if you need to transfer $1,000, but have only been approved for a credit limit of $500, you will only be able to transfer up to $500 (or less; some issuers automatically leave a “buffer” amount available on the card).

The limit you are approved for will depend on both your income and credit score, with the majority of Credit Karma users reporting an initial credit limit between $1,000 and $5,000, with no users reporting a limit less than $300.

Top Alternative Balance Transfer Options

If you don’t think you will be approved for a credit limit large enough to accommodate the balance you wish to transfer or interest-free purchases you want to make, you may need to consider a different, or additional, balance transfer credit card. Furthermore, it is always a good idea to compare your credit card options to ensure you are getting the best fees and interest rates for which you qualify. See some of our favorite balance transfer cards below.

+See More Balance Transfer Credit Cards

Reconsideration Line May Be a Second Chance for Approval

In the case that an error has occurred during your application process, or you otherwise feel your application should be reviewed a second time, you can call the reconsideration line. By calling a Chase credit analyst via the reconsideration line, you can have a human hand-review your application. You can use the number below to contact a Chase credit analyst between the hours of 7 a.m. to 10 p.m. EST Monday through Friday, 8 a.m. to 10 p.m. EST Saturday, and 9 a.m. to 9 p.m. EST Sunday.


Many seeking to apply for the Chase Slate card are doing so to take advantage of the introductory 0% interest offered by the card and may think to use the reconsideration line to get a larger initial approval limit for that purpose. Unfortunately, there is little evidence suggesting that the reconsideration line can be used to increase your credit limit. If you need to transfer a balance larger than the credit limit for which you’ve been approved, you may need to look into your other balance transfer credit card options.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Brittney Mayer

Brittney is a Contributing Editor for Digital Brands, Inc., where she uses her extensive research background to develop comprehensive guides and in-depth company profiles for and Brittney specializes in translating complex ideas into readable, engaging content for B2C and B2B audiences.