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Chase Slate Edge℠ review

The Slate returns with a few new features, but a weaker 0% intro period.

finder.com’s rating: 4.6 / 5.0

★★★★★

  • Get this card if you want to save on interest and lower your potential interest for future carried balances.
  • Pick something else if you need a longer intro APR period or you want to earn rewards.
  • Apply with a good credit score of 670 or higher.

$100

Welcome offer

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then 14.99% to 23.74% variable)

0%

Intro balance transfer

for the first 12 months (then 14.99% to 23.74% variable)

Details

Annual fee$0
Welcome Offer$100 bonus on your statement when you spend $500 in your first 6 months
RewardsN/A
Purchase APR0% intro for the first 12 months (then 14.99% to 23.74% variable)
Balance transfer APR0% intro for the first 12 months (then 14.99% to 23.74% variable)
Recommended minimum credit score670
IssuerVisa

Review by


Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their 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 on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

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, comes with a signup bonus of $100 after you spend $500 in your first 6 months of account opening, and a 0% intro APR on balance transfers and purchases for 12 months — reverting to 14.99% to 23.74% 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.

Unfortunately, the card’s intro APR period rests at just 12 months. The old version of the card, on the other hand, not only offered a longer intro APR period of 15 months, but also waived any balance transfer fees for the first 60 days. This feature is gone for the Chase Slate Edge℠ — a heavy blow which leaves the card lacking in up front value, especially when compared to other intro APR cards on the market like the Citi® Diamond Preferred® Card.

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.

How to apply for the Chase Slate Edge℠

  1. Click apply now.
  2. Fill out the requested information and click submit.

Chase Slate Edge℠ benefits

  • Intro APR. The Chase Slate Edge℠ comes with a 0% intro APR for 12 months on purchases and balance transfers, reverting to 14.99% to 23.74% after.
  • Signup bonus. Earn $100 after you spend $500 within your first 6 months of account opening. Cash back signup bonuses are rare for an intro APR credit card.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Lower your interest rate. Chase claims that if you make your payments on time and spend at least $1,000 before your first card anniversary, it’ll consider lowering the interest rate on your account by 2%. This can be achieved each year, capping out at a 9.74% interest rate.
  • Assorted Chase benefits. This card comes with several of the standard benefits you’ll find on Chase cards, including roadside dispatch and auto rental collision damage waivers, purchase protection and extended warranty protection.

Chase Slate Edge℠ drawbacks

  • Intro APR period shorter than before. The old version of this card offered an intro APR for 15 months, which is the industry average. With the relaunch, you’re getting just 12 months.
  • Intro balance transfer fee worse than before. The original Chase Slate offered up to 60 days to transfer your balance with no balance transfer fees. The new offer is the greater of $5 or $3 of the balance transfer amount, reverting to the greater of $5 or 5% after the first 60 days.

Compare other balance transfer cards

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi Simplicity® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$5 or 3% of the transaction, whichever is greater
670
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 13.74% to 23.74% variable)
$5 or 3% of the transaction, whichever is greater
670

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
670
Get a strong 18 month 0% intro APR on balance transfers AND up to 2% back. This is a rare card that offers both rewards and balance transfers.
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Chase Slate Edge℠ customer reviews and complaints

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 July 2021. Customer reviews on the site complain of poor customer service.

The provider receives a 1.4 rating out of 5 on Trustpilot based on consumer reviews, also noting poor customer service in many of its reviews.

Bottom line

While it’s nice to see Chase re-adding a balance transfer option to their card lineup, the Chase Slate‘s new 12 months intro period and the loss of a 0% balance transfer fee hurts the value of the card compared to the original. Though not a bad choice if you’re looking for a simple balance transfer option from Chase, there are stronger intro APR credit cards on the market.

Compare Chase Slate Edge℠ with other cards

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★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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4 Comments

    Default Gravatar
    Clark
    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.

      Default Gravatar
      joelmarcelo
      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

    Default Gravatar
    Robert
    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?

      Avatarfinder Customer Care
      Anndy
      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

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