Chase Slate Updates: New Look, Free FICO Score & 0% Introductory Offer With No BT Fee

Chase have made a number of changes to their re-builder credit card, Chase Slate. They’ve changed the look of the card, added a free FICO score and change the introductory promotion

New Look

The biggest change is that this card now aligns vertically (previously it was horizontal). It’s likely this change was made to help fit the EMV chip (which has been available for awhile on the Chase Slate, view all other Chase cards which are EMV enabled here).

chase slate updates

FICO Score & Credit Dashboard

Cardholders will also now be able to view their FICO score (Experian) for free as part of their credit dashboard. We’re currently unsure how often this score will update and what FICO scoring model is being used, but will update this post once we receive this information from Chase. Update: This is an Experian classic 2008 model (EX-08) and is updated monthly.

Chase have already stated that this free FICO score benefit will not be rolled out to other credit cards in their portfolio. This is quite disappointing as a number of other large credit card issuers currently do offer this on all (or most of their cards: Barclaycard, Citi, Discover, FNBO to name a few (American Express are currently doing a pilot program and Bank of America will add this benefit sometime in 2015).

chase slate free FICO score

Introductory Offer

The Chase Slate does not offer a sign up bonus like most other credit cards, instead you get an introductory APR of 0% for 15 months on purchases and balance transfers with no balance transfer fee for the first 60 days after account opening. Usually the balance transfer fee is not waived, so this is slightly better than normal.

Final Thoughts

I like the look of the new Chase Slate and I can see why they added a free FICO score (Chase Slate is targeted to those who are rebuilding their credit, they are the most likely to utilize this type of benefit) but I really wish that they’d consider adding this to all Chase credit cards (or at least all Chase branded cards such as the Chase Sapphire Preferred & Chase Freedom).

I don’t bother with introductory APRs as I think there is too much room for error, leaving you with a pile of interest fees and charges. That said, if they come with no balance transfer fee they can be extremely useful for those in credit card debt that are responsible enough to pay that debt down over the fifteen month term (racking up additional credit debt is always something I’m worried about when recommending these products to those with bad credit).

If you’re interested in this card, remember you can check for Chase pre-approval offers here (and a full list of pre-approval pages for all credit card issuers can be found here). What do you think of these new changes? Let me know in the comments section below.

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Ferris
Ferris (@guest_343870)
January 25, 2017 16:15

Any ideas on what to do with a slate after you take advantage of the balance transfer offer and pay it all off?

sirtheta
sirtheta(@sirtheta)
January 25, 2017 16:20

PC to an ultimate-rewards-earning card.

Jordan
Jordan (@guest_92841)
March 24, 2015 10:30

Would you get these same benefits by downgrading a card like the Sapphire Preferred or are these updates only available on new credit line applications?

J T
J T (@guest_92762)
March 24, 2015 08:06

Is the FICO dashboard yet to be rolled out? Or is this only for new Slate customers? Not seeing any mention of it in my account.

Steve
Steve (@guest_92478)
March 23, 2015 23:12

I’m surprised you don’t bother with these 0% APR with free balance transfer. Chase gives you a 15k free loan for 15 months. With that free loan, my wife and I had the opportunity to each open and fully fund the mango accounts, and also have an extra 5k available to meet minimum balances for checking account bonuses. That said, I view this hard pull to be worth close to $1,000 due to the opportunities it provides. Thoughts?

JB
JB (@guest_92539)
March 24, 2015 01:19

Exactly my thought, Steve! Just earlier today I told my wife that I need to get one of those 0% intro APR cards in order to “make some money” with it…

Emmanuel
Emmanuel (@guest_92804)
March 24, 2015 09:34

How do you do that?

Jordan
Jordan (@guest_92843)
March 24, 2015 10:31

I’m not familiar with Mango, any idea where I can learn more on how to use this?

Paul
Paul (@guest_92923)
March 24, 2015 14:05

@Jordan, just look it up via Google. It is a savings account with a much higher than average APY. There are certain limitations though.
Looks interesting, and I may give it a run in a similar fashion to what the others are speaking towards.