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Chase Slate Edge℠ review

The Slate returns with a few new features aimed at reducing interest.

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.
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$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)

Details

Annual fee$0
Welcome offerGet an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first 6 months
RewardsN/A
Purchase APR0% intro for the first 18 months (then 19.24% to 27.99% variable)
Balance transfer APR0% 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 score670
IssuerVisa
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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.

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 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.

How to apply for the Chase Slate Edge℠

  1. Learn more about how to apply for Chase Slate Edge℠.
  2. Fill out the requested information and choose Submit.

Chase Slate Edge℠ benefits

  • Intro APR. The Chase Slate Edge℠ comes with a 0% intro APR for 18 months on purchases and balance transfers, reverting to 19.24% to 27.99% after.
  • Signup bonus. You’ll get an automatic, one-time review for a higher credit limit when you pay on time and spend $500 in your first 6 months.
  • 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 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

1 - 3 of 8
%
Name Product Amount saved Balance transfer APR Balance transfer fee Minimum credit score Filter values
Chase Freedom Flex℠
0% intro for the first 15 months (then 19.24% to 27.99% variable) $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days
For each transfer: 3% intro fee ($5 min) in first 60 days, after that 5% ($5 min)
670
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
PenFed Power Cash Rewards Visa Signature® Card
0% intro for the first 12 months (then 17.99% fixed)
3%
670
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
Chase Slate Edge℠
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%
For each transfer: 5% intro fee ($3 min) in first 60 days, after that 5% ($5 min)
670
Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first 6 months
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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 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.

Bottom line

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.

What’s changed with the Chase Slate

01/13/2022Old: 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.
07/19/2021Old: 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

    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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