Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Chase Slate Edge® Credit Card Review

Learn More

Chase Slate Edge® Credit Card Review

Apply now and enjoy 0% intro APR, the opportunity for credit limit growth, and no annual fee. Take the first step towards a brighter credit future today!

Chase Slate Edge® Credit Card Review

Chase Slate Edge® Credit Card Review

Learn More

Apply now and enjoy 0% intro APR, the opportunity for credit limit growth, and no annual fee. Take the first step towards a brighter credit future today!

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


When it comes to finding a credit card that blends functionality with opportunities for credit growth, the Chase Slate Edge® Credit Card stands out as a promising option.

Aimed at providing financial flexibility, this card is particularly appealing for those looking to make large purchases or transfer balances thanks to its introductory APR offer.

With a focus on assisting cardholders in enhancing their creditworthiness, it encourages responsible use with incentives like potential credit limit increases.

Moreover, the Chase Slate Edge® does this with a comforting $0 annual fee.

Welcome Bonus

One of the initial perks that often draw customers to a new credit card is the welcome bonus, which can range from substantial points offerings to cashback rewards.

For the Chase Slate Edge® Credit Card, however, the welcome bonus takes on a different form that can be just as valuable for the right customer—it offers a 0% introductory APR for the first 18 months on purchases and balance transfers made within the first 60 days of account opening.

After the introductory APR period, a variable APR of 20.49% – 29.24% will apply, based on your creditworthiness.

This intro APR period is geared towards those who are planning to finance a larger purchase or who want to move existing high-interest credit card debt to a new card to save on interest charges and pay down the balance more effectively.

While there aren’t any rewards points or cash back bonuses to speak of initially, the prospect of interest savings could be a significant monetary benefit for new cardholders who utilize this feature wisely.

Earning Rewards

Unlike many other credit cards on the market, the Chase Slate Edge Credit Card does not operate on a traditional rewards system. This means that as a cardholder you won’t be collecting points, miles, or cashback on your expenditures.

This might be seen as a downside for those who are used to calculating returns on spending in the form of travel perks or statement credits.

However, it’s important to consider that this card is tailored toward a different set of financial priorities. The real “reward” of using the Chase Slate Edge® comes from the potential to reduce borrowing costs and build or improve one’s credit score.

The card’s lack of a conventional rewards program encourages a focus on fiscal responsibility and debt management rather than on earning and redeeming points or cashback.

For individuals who are more interested in credit growth and debt control, the absence of rewards might actually simplify their spending approach and allow them to concentrate on their financial objectives without the distraction of rewards maximization.

Redeeming Rewards

As previously noted, the Chase Slate Edge® Credit Card is not structured around a rewards scheme, which means there’s no conventional rewards currency to earn and redeem. For cardholders, this translates to there being no points to monitor, no redemption portals to navigate, nor any exchange rates to consider.

This no-rewards approach lifts the sometimes complex layers of traditional reward cards and positions the Chase Slate Edge® as a straightforward financial tool aimed at improving one’s credit status and managing debt. It encourages users to leverage the card’s core benefits, such as the introductory APR offer and the possibility of a lower interest rate or increased credit limit after a year of on-time payments and responsible use.

For those who are looking to maximize their financial health and focus on debt repayment or credit-building strategies, the Chase Slate Edge® skews the paradigm from “spending to earn” to “managing to improve,” positioning it as a potential asset in a thoughtfully constructed financial plan.

Perks and Benefits

Although the Chase Slate Edge Credit Card does not offer traditional rewards, it compensates with a suite of perks and benefits that can be quite beneficial to cardholders:

  • Automatic Credit Limit Review: After your first six months, upon making on-time payments and spending $500 with your card, you’ll get an automatic review for a higher credit limit. A higher credit line can improve your credit utilization ratio, a key component of your credit score.
  • APR Reduction Opportunity: Each year you could automatically qualify for a lower APR if you’ve paid on time and spent at least $1,000 on purchases. This feature underscores the card’s aim to reward financially responsible behavior.
  • Purchase Protection: Cardholders have access to protection against damage or theft for up to 120 days on new purchases, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Adds an additional year to U.S. manufacturer’s warranties of three years or less on items purchased with the card.
  • Fraud Protection: Real-time monitoring guards against fraudulent activity on your card.
  • 0% Introductory APR: The card offers an 0% intro APR for the initial 18 months on purchases and balance transfers, followed by a variable APR based on creditworthiness.
  • No Penalty APR: Paying late won’t raise your interest rate (APR), ensuring that a mistake doesn’t cost you more in interest.
  • Free Credit Score Access: Cardholders can check their credit score for free using Chase’s ‘Credit Journey’, which also offers insight into factors affecting your score.

The combination of these perks makes the Chase Slate Edge® an attractive choice for those looking to pay down debt and potentially boost their credit scores. Each benefit is designed to encourage and reward careful financial management, which sets this card apart in its pursuit to serve consumers who are focused on their financial future.

Pros and Cons

When considering the Chase Slate Edge® Credit Card, weighing the advantages and drawbacks is essential to determine if it aligns with your financial goals. Let’s delve into what makes this card an attractive or less favorable option:


  • Introductory APR Offer: An 0% introductory APR on purchases and balance transfers for the first 18 months is an excellent way to save on interest and manage existing debt.
  • Credit Building Features: The potential for automatic credit limit increase reviews and annual APR reductions rewards responsible credit use and can help improve your credit score over time.
  • No Annual Fee: This card won’t cost you anything to keep in your wallet, which is a significant plus for those who are cost-conscious.
  • Additional Perks: Benefits such as purchase protection, extended warranty protection, and free credit score access provide added value.


  • No Rewards Program: Unlike many other credit cards, the Chase Slate Edge® does not offer cash back, points, or miles on purchases, which can be a dealbreaker for some consumers.
  • Balance Transfer Fee: There is a fee for balance transfers, which may eat into the savings you gain from the introductory APR offer.
  • Foreign Transaction Fees: The card charges fees on foreign transactions, which isn’t ideal for international travelers.
  • Limited Premium Benefits: Absence of luxury travel perks or exclusive experiences that some competitors offer at a similar card level.

For Whom the Card Is Best Suited

  • Debt Consolidators: If you’re looking to transfer high-interest balances and pay them off within 18 months interest-free.
  • Credit Builders: Individuals focused on improving or establishing their credit score can benefit from the card’s credit limit and APR features.
  • Cost-Avoidant Consumers: Those who prefer not to pay an annual fee but still wish to have a tool for credit flexibility.

Less Ideal For

  • Rewards Seekers: If earning rewards on every dollar spent is a high priority for you, this card may not meet your expectations.
  • Frequent Travelers: The lack of travel rewards and foreign transaction fees makes this card less suited for those who travel abroad often.

In conclusion, the Chase Slate Edge Credit Card serves an audience of credit-conscious consumers who prioritize fiscal prudence over rewards accumulation. It’s a card that promotes responsible borrowing and offers mechanisms to improve borrowing terms, which can be integral in someone’s financial toolkit provided it aligns with their financial strategy.

Comparison to Other Cards

To fully gauge the value of the Chase Slate Edge® Credit Card, let’s place it side by side with some of its key competitors in the credit card market that are also tailored toward balance transfers and credit-building:

  1. Citi® Diamond Preferred® Card:
    • Offers a 0% Intro APR on balance transfers and purchases for 21 months; after that, a variable APR applies.
    • No annual fee, much like the Chase Slate Edge®.
    • Lacks a rewards program, focusing primarily on the introductory APR offer.
    • Comes with Citi Entertainment® access for special ticket access.
  2. Discover it® Balance Transfer:
    • Features a 0% Intro APR on purchases for 6 months and on balance transfers for 18 months. Then a variable APR.
    • Earns cash back rewards—5% in rotating categories each quarter and 1% on all other purchases.
    • No annual fee and offers a Cashback Match™ at the end of the first year.
    • Provides free access to your FICO® Credit Score.
  3. Wells Fargo Reflect℠ Card:
    • Introductory APR of 0% for 18 months from account opening on purchases and qualifying balance transfers (extension possibility for up to three months with on-time minimum payments during the intro period), followed by a variable APR.
    • No annual fee.
    • No rewards program, similar to the Chase Slate Edge®.
    • Cell phone protection when you pay your monthly cellular bill with the card.

Among these alternatives, the Chase Slate Edge® holds its own with features like the automatic review for a credit line increase and the opportunity for APR reduction each year. These unique offerings put the card in a strong position for consumers who are keen not only on avoiding interest on purchases and balance transfers but also on improving their credit terms over time.

However, it’s worth noting that if you’re seeking a card that offers rewards in addition to debt management tools, something like the Discover it® Balance Transfer might be more appealing. Each card in this category serves a similar primary function, but with variations in benefits, so the best choice ultimately depends on personal financial needs and priorities.


The Chase Slate Edge® Credit Card is a valuable tool for anyone focused on debt management and improving their credit. With no annual fee, an 0% introductory APR offer, and features that incentivize responsible credit use, it caters to those striving for fiscal responsibility. While it may not suit reward-seeking spenders or frequent international travelers, it offers solid benefits for those looking to consolidate debt and build their credit profile. Ultimately, if used strategically, this card can be a cornerstone in achieving a stronger financial standing.

Frequently Asked Questions

What is a good credit score to have when applying for a credit card? A good credit score for credit card approval typically ranges from 670 to 739. Higher scores increase the likelihood of approval and access to better terms.

How can a 0% introductory APR offer help me save money? A 0% introductory APR can help you save money by allowing you to pay down balances or make purchases without accruing interest for a specific period, which can significantly reduce the cost of any debt you carry during that time.

What’s the difference between a balance transfer and a purchase APR? A balance transfer APR is the interest rate applied to balances moved from one credit card to another. A purchase APR is the interest rate applied to new purchases made on the card.

How does a higher credit limit impact my credit score? A higher credit limit can improve your credit utilization ratio, provided you don’t increase your spending proportionately, which is a factor that positively affects your credit score.

Can paying late affect my credit card’s APR? For most credit cards, paying late can trigger a penalty APR, which is a higher interest rate applied to your card balance. However, some cards, like the Chase Slate Edge®, do not have a penalty APR, meaning your rate won’t increase due to a late payment.

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