Chase Slate no longer offers a free FICO score to cardholders. As of June 2019, Slate users and other Chase cardholders get access to a credit score based on VantageScore’s V3 model, through the “Chase Credit Journey” interface.
Don’t worry too much about losing access to your FICO score, though. A FICO score isn’t the only credit scoring model that matters to lenders. In fact, some lenders forego the major scoring models and use their own private scoring methods instead. Using the free VantageScore that comes with Chase Slate, or any other free credit score you have access to, will give you a good idea of what your score looks like to lenders.
The Chase Slate credit score requirement is at least "good"; this means that you need a 700+ credit score to get the Chase Slate card. Although some people say the ”good” credit range starts at 660, only a score of 700+ will give you reasonable Chase Slate approval odds. Barely meeting a card’s minimum requirements simply doesn’t translate to a high likelihood of success. Rather, the higher your score is, the better your chances will be.… read full answer
But even having the 700+ credit score needed for Chase Slate approval might not be enough. You can only apply for the Chase Slate with an invitation from Chase and you have to meet a few other requirements, too.
Here’s what you need to get the Chase Slate card:
Basic eligibility. You’ll need a U.S. mailing address and a Social Security number (SSN). Chase does not take an ITIN in place of an SSN. And you’ll need to be at least 18 years old.
You need an invitation. Chase Slate is now invitation only, so in order to apply for the card, you need a 12-digit invitation number from Chase.
Ability to pay. How much money you earn is a big factor in approval. Chase needs to see you can afford to pay for any purchases you make. Any debt you have will be weighed against that income, so you should try to owe as little as possible.
No bankruptcy. If you’re currently going through bankruptcy, there’s no chance you’ll be approved. And if you’ve completed bankruptcy but it’s still on your credit report, you still might be denied.
The best Chase Slate benefits are 0% introductory interest rates on purchases and balance transfers, $0 fees, $50,000 in purchase protection coverage, insurance for rental cars, roadside assistance, and extended warranties on some purchases. But of all the Chase Slate benefits, the most impactful used to be its low promotional APRs for new cardholders: 0% for 15 months on purchases and 0% for 15 months on balance transfers. Paired with a $0 balance transfer fee for the first 60 days, that made Chase Slate a great balance transfer credit card.… read full answer
It’s important to note that this card is no longer available to new applicants, but this fact doesn’t affect existing cardholders. As is the case with any credit card benefits, details matter here too. So, consider the top 5 Chase Slate benefits:
Purchase protection. When an item you purchase with Chase Slate is damaged or stolen, you can be reimbursed for its value. You can get up to $500 per item, with a $50,000 limit for the account. The item must have been damaged or stolen within 120 days of the date of purchase.
Extended warranty protection. Chase will add one year to the warranty of items purchased with your Slate card that have a manufacturer’s warranty of 3 years or less. You can get up to $10,000 per claim, with a maximum of $50,000 per account. Certain items like vehicles and software are not eligible.
Auto rental collision damage waiver. This benefit covers vehicles you rent with Chase Slate against damage and theft for up to 31 consecutive days. You must pay for the whole rental with your card and decline the rental agency’s insurance.
Roadside dispatch. Call 800-847-2869 any time to receive roadside assistance, including towing up to 5 miles, tire changing, jump starting, lockout service, 5 gallons of fuel delivery or winching. There’s a flat fee each time you use this.
Security benefits. Chase Slate cardholders have $0 liability for fraudulent purchases, just like with any credit card. In addition, Chase provides security services like real-time fraud monitoring and fraud alerts.
Chase Slate’s benefits aren’t quite as extensive as those on some other credit cards, but they’re good for a non-rewards card with a $0 annual fee and a $0 balance transfer fee.
The minimum credit score for a Southwest Airlines credit card is typically “good”.
The credit score is important, but for the most part, it’s a barometer to assess your chances of being approved. If your income, credit history and any debts you might have are above board, a good or even fair credit score should put you in the running to qualify for a card.… read full answer
Southwest Rapid Rewards® Priority Credit Card: Earn 50,000 points for spending $2,000 in the first 3 months, plus 50,000 points for spending $12,000 total in the first 12 months. 3 points per $1 spent on Southwest purchases, 2 points per $1 on Rapid Rewards hotel and car partners, 2 points per $1 on local transit and commuting, including rideshare, 2 points per $1 on internet, cable, phone services, and select streaming, and 1 point per $1 on all other purchases. Receive 7,500 anniversary bonus points and a $75 travel credit each year. $0 foreign transaction fees. $149 annual fee. Good credit required.
Southwest Rapid Rewards® Plus Credit Card: Earn [cc-initial-bonus-ditorial id="1981"]. 2 points per $1 spent with Southwest and Rapid Rewards hotel and car partners, 2 points per $1 on local transit and commuting, including rideshare, 2 points per $1 on internet, cable, phone services, and select streaming, and 1 point per $1 on all other purchases. No blackout dates or seat restrictions when you redeem. Free first and second checked bags. 3% of each transaction in U.S. dollars foreign transaction fees. $69 annual fee. Good credit required.
Southwest Rapid Rewards® Premier Credit Card: Earn 50,000 points for spending $2,000 in the first 3 months, plus 50,000 points for spending $12,000 total in the first 12 months. 3 points per $1 spent with Southwest, 2 points per $1 on Rapid Rewards hotel and car partners, 2 points per $1 on local transit and commuting, including rideshare, 2 points per $1 on internet, cable, phone services, and select streaming, and 1 point per $1 on all other purchases. No blackout dates or seat restrictions when you redeem. Free first and second checked bags. $0 foreign transaction fees. $99 annual fee. Good credit required.
Southwest® Rapid Rewards® Premier Business Credit Card: Earn 60,000 points for spending $3,000 in the first 3 months. 3 points per $1 spent on Southwest purchases, 2 points per $1 on Rapid Rewards hotel and car rental partners, 2 points per $1 on local transit and commuting, including rideshare, and 1 point per $1 spent on all other purchases. No blackout dates or seat restrictions when you redeem. Receive 6,000 anniversary bonus points each year. Free first and second checked bags. $0 foreign transaction fees. $99 annual fee. Good credit required.
The Southwest Rapid Rewards cards require a good or excellent credit score, and with it, come initial bonuses and rewards earnings for frequent Southwest flyers.
If you’re not loyal to Southwest and prefer to redeem rewards points toward other airline purchases, the Chase family offers some great alternatives. One of the best is the Chase Sapphire Preferred® Card. You’ll get earns 60,000 points bonus, worth $750 when redeemed for travel when you spend $4,000 in the first 3 months. There is a $95 annual fee.
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