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finder.com’s rating: 4.6 / 5.0
★★★★★
$0
Annual fee
0%
Intro purchase APR
for the first 18 months (then 19.24% to 27.99% variable)
0%
Intro balance transfer
for the first 18 months (then 19.24% to 27.99% variable)
19.24% to 27.99%
Balance transfer APR (variable)
Annual fee | $0 |
---|---|
Welcome offer | Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first 6 months |
Rewards | N/A |
Purchase APR | 0% intro for the first 18 months (then 19.24% to 27.99% variable) |
Balance transfer APR | 0% intro for the first 18 months (then 19.24% to 27.99% variable) No balance transfer fees for transfers made the first 60 days, then $5 or 5% |
Minimum credit score | 670 |
Issuer | Visa |
cta text | Go to site |
Review by
Steven Dashiell is a senior personal finance writer at Finder, specializing in all things banking and credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their banking rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured in U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living, among other top publications.
The Chase Slate Edge℠is Chase’s refresh of the original Chase Slate and offers a few new tweaks to the old card’s features. It requires no annual fee and a 0% intro APR on balance transfers and purchases for 18 months — reverting to 19.24% to 27.99% variable.
New to the card are a few features aimed at lightening your financial load over time. If you spend at least $1,000 on your card by your card anniversary and make your payments on time each month, Chase will automatically consider you for a 2% reduction to your interest rate down to 9.74%. Chase will also consider your account for a credit limit increase after you make on-time payments and spend at least $500 within your first 6 months.
Chase has, wisely, improved the card’s intro APR length to 18 months. This is a big improvement from the 12-months the card relaunched with and is even better than the card’s old offer of 15-months. The card still lacks the 0% balance transfer fee offer, but this is much less a sore spot now that the card’s intro period is more respectable.
While the card’s interest and credit limit features are interesting, they’re not quite strong enough to make the card a better long-term choice than a rewards card. If you want a 0% interest card and prefer sticking with Chase, this card can suit your needs. But if you’re looking for a longer intro APR period or stronger value from your card over time, there are better options on the market.
The original Chase Slate card was respected for its intro APR period, with cardholders on social media such as reddit noting the card loses much of its value after that intro period. We’ll see if the new additions to the card’s APR structure give the card some of that long-term value.
Chase receives an A+ rating from the Better Business Bureau (BBB) and is not accredited with the company as of June 2022. Customer reviews on the site complain of poor customer service.
The provider receives a 1.7 rating out of 5 on Trustpilot based on more than 130 consumer reviews, many of which note poor customer service.
After a somewhat unimpressive reemergence, the Chase Slate Edge℠has stepped its game up by bumping its intro APR period to a more respectable 18 months from the prior 12 month period. The loss of a 0% balance transfer fee still stings a bit, but the value of the card is solid if you’re looking for a simple balance transfer option from Chase. For those looking for a longer intro period or rewards, there are stronger intro APR credit cards on the market.
01/13/2022 | Old: Intro 0% APR on purchases and balance transfers for 12 months. | New: Intro 0% APR on purchases and balance transfers for 18 months. | Removed: Earn a welcome offer of $100 after you spend $500 within your first 6 months. | ||
07/19/2021 | Old: Intro 0% APR on purchases and balance transfers for 15 months. | New: Intro 0% APR on purchases and balance transfers for 12 months. | Removed: Intro balance transfer fee waiver. | New addition: Reduce your APR by paying your balance each month and spending at least $1,000 per year. | New addition: Earn a welcome offer of $100 after you spend $500 within your first 6 months. |
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4 Comments
March 14, 2018
I would like to find out if my Slate Credit Card is still being used. I think my ex-wife may be using it. I cannot sign in because I don’t have my account number. Can you help me.
March 20, 2018
Hi Clark,
Thanks for leaving a question on finder.
Please note that finder is a financial comparison and information website that helps consumers make better decisions. We do not represent any of the providers we feature on our website.
It looks like you will have to speak with Chase directly at 1-212-270-6000.
Cheers,
Joel
June 12, 2017
I am looking for a 15-21 month 0 % credit card with 0 balance transfer fees to consolidate my relatives debt.
I would want between 10k – 15k. I would be the card holder guarantee payment. My credit card score is around 800.
No annual fee as well. Which companies should I consider that allow transfer from one person to me?
June 17, 2017
Hi Robert,
Thanks for your question.
You may want to compare credit cards that allow for balance transfer between two people’s names.
Just click on the bank logo to check your card options issued by a particular bank.
Cheers,
Anndy