What is the average credit score needed to get approved for Chase Slate Edge℠?

You need a good to excellent credit score to qualify for this card.

Does Chase Slate Edge℠ report to all three credit bureaus?

Yes, it reports to all the three major credit bureaus, including Equifax, Experian and TransUnion.

Is the Chase Slate Edge℠ application process lengthy? Can you prequalify?

The process for a Chase Slate Edge℠ application only takes a few minutes. You can also get instant approval if you’re qualified for the card.

What information is needed to apply for Chase Slate Edge℠?

You need to provide your personal information (name, date of birth, address and Social Security Number) and financial information.

Does Chase Slate Edge℠ have good customer service or helpful information online?

Chase ranked fifth among national credit card issuers in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study, which indicates it provides good customer service experience.

Does Chase Slate Edge℠ have a mobile app or the option to pay or manage your account online?

Yes, you can use the mobile app or online banking to manage your account.

Does Chase Slate Edge℠ raise credit limits automatically or charge for limit increases?

You are automatically eligible for a higher credit limit if you make payments on time and spend $500 in your first six months.

Does Chase Slate Edge℠ offer the options to freeze your credit/account or have other security features?

Yes, Chase has several security features to protect your account against fraud and other unauthorized activities.

Does Chase offer other credit cards besides Chase Slate Edge℠?

Chase has a wide array of credit cards for personal and business customers. These include the Freedom Flex, Freedom Unlimited, Sapphire Preferred and Ink Business Preferred cards, among others.

Chase Slate Edge℠ Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

In this Chase Slate Edge℠ review, MoneyGeek analyzes the card’s features and benefits. Its main appeal is its 0% intro APR on new purchases and balance transfers for 18 months from when you open your account. This means you pay zero interest when making a large purchase or consolidating your debt. In addition, this credit card doesn’t charge an annual fee. However, it doesn’t offer any rewards. MoneyGeek covers the details of the Chase Slate Edge℠ credit card to help you decide if it’s a good fit for you.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Has Rewarding Welcome Offer
Recommended Credit
Fair–Excellent
Has Balance Transfer Fee
Has Foreign Transaction Fee
High APR

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Chase Slate Edge℠ at a Glance

In addition to its introductory 0% APR offer, Chase Slate Edge℠ has two benefits: a yearly APR reduction and an automatic higher credit limit review when you pay on time and spend $500 in your first six months. These benefits can be useful if you’re looking to improve your credit scores.

>>MORE: BALANCE TRANSFERS WITH CHASE — HERE'S ALL YOU NEED TO KNOW

Chase Slate Edge℠
A good no annual fee card with a 0% intro APR offer
- Fair–ExcellentRecommended Credit
- $0Annual Fee
- 19.99% – 28.74% VariableAPR
- 18 monthsBalance Transfer Duration
- 18 monthsAPR Offer Duration
Pros
Long introductory APR period for both purchases and balance transfers
No annual fee
Annual APR reduction with good usage
Automatic credit line increase with responsible usage

Cons
Foreign transaction fee
No rewards program
0% APR for 18 months from account opening on purchases and balance transfers, then variable APR of 19.99% – 28.74% after that.
Balance transfer fee of 3% of the amount of each transfer or $5 minimum for the first 60 days of account opening, then 5% or $5 of the amount of each transfer, whichever is greater
Purchase and travel protections
Auto rental collision damage waiver
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Pros & Cons Explained

While Chase Slate Edge℠’s benefits are appealing, it’s important to consider its drawbacks before signing up for this card.

Pros

Benefits
Description
Long 0% intro APR offer
You don’t have to pay any interest for 18 months with a Chase Slate Edge℠, making it a good choice for customers looking to finance a new purchase or pay off existing credit card debt.
No annual fee
There are no annual fees with this card, which means you’re saving an average of at least $110 each year.
Annual APR reduction with good usage
If you pay on time and spend at least $1,000 on your card by your next account anniversary, you’ll be eligible for a 2% APR reduction each year until it reaches the Prime Rate plus 9.74%.
Automatic credit line increase with responsible usage
Your account will be automatically reviewed for a higher credit limit when you pay on time and spend $500 in your first six months. This can help lower your credit utilization rate and improve your credit score.

Cons

Drawbacks
Description
Foreign transfer fee
If you use this card outside the country, you’ll be charged 3% of the amount of each transaction in U.S. dollars.
Balance transfer fee
The card has a 3% balance transfer fee for the first 60 days of your account, then $5 or 5% of the amount of each balance transfer, whichever is greater.
No rewards program
The Chase Slate Edge℠ credit card does not have a rewards program.

INTERESTED IN COMPARING THE BEST CREDIT CARDS OF 2022?

Every month, MoneyGeek analyzes data of each credit card and selects the top picks for popular card categories. Check out which cards made it to our list of best balance transfer credit cards in 2022.

Other Features Explained

Aside from its excellent 0% APR offer and incentives for good credit card habits, Chase Slate Edge℠ has other key features worth noting.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

Card Feature
Description
Zero liability protection
You won’t be responsible for unauthorized charges made with your card if it is lost or stolen.
Purchase protection
Chase will protect your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Fraud alerts
You will be notified by phone, text or email if Chase detects unusual activity with your account.
Auto Rental Collision Damage Waiver
Instead of purchasing your rental company’s collision insurance, you can charge the entire rental cost to your card. This will cover theft and collision damage for most cars in the U.S. and abroad.
Customer satisfaction
Chase ranked fifth out of 12 card issuers in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study.

MONEYGEEKQUICK TIP

The first $500 you spend not only counts towards your credit line increase but also towards the $1,000 you need to be evaluated for an APR reduction.

Understanding the Fine Print

Before pursuing your Chase Slate Edge℠ application, it’s vital to understand the fine print so you won’t be caught off guard by the fees that come with the card.

Card Feature
Amount or Rate
APR
19.99% – 28.74% Variable
Annual Fee
$0
Balance Transfer Fee
$5 or 3% in the first 60 days. After that, either $5 or 5%, whichever is greater.
Balance Transfer APR
19.99% – 28.74% Variable
Late Fees
Up to $40
Cash Advance Fee
$10 or 5%, whichever is greater
Cash Advance APR
29.99% Variable
Foreign Transaction Fee
3%

Regular APR
After 18 months of 0% APR, the regular APR for purchases and balance transfers is 19.99% – 28.74% based on your creditworthiness.
Annual Fee
The Chase Slate Edge℠ credit card doesn’t charge an annual fee.
Balance Transfer Fee
When you transfer your balances to this card within 60 days after account opening, you’ll pay 3% of the amount transferred or $5. After that period, the balance transfer fee will be $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance Fee
Cash advances with the Chase Slate Edge℠ credit card have a fee of $10 or 5% of the amount of each transaction, whichever is greater.
Foreign Transaction Fee
Chase Slate Edge℠ charges a foreign transaction fee of 3% for each transaction.

WHERE TO FIND THIS INFORMATION?

If you compare Chase Slate Edge℠ with other balance transfer cards, make sure to check the balance transfer fee and the length of the introductory 0% APR period to determine the best option.

If you want to see how it stacks up against a card you already have, go through your latest billing statement or visit the card issuer’s website. Additionally, you can get more information from the Consumer Financial Protection Bureau’s website.

Who Should & Shouldn’t Consider Chase Slate Edge℠?

Other Considerations for Chase Slate Edge℠

Before filling out your Chase Slate Edge℠ application, think about how you plan on using the card.

Things to Consider if This Will Be Your First or Only Credit Card

If you plan to have the Chase Slate Edge℠ as your first or only credit card, you’ll be relieved to know you don’t have to pay an annual fee. The card also lets you make a large purchase or pay down debt without interest for 18 months.

However, once that period is over and you carry a balance, the card’s relatively high APR could lead to significant expenses. On the other hand, if you have good credit card habits and spend enough, you’ll automatically be eligible for a credit increase and an APR reduction.

Things to Consider if This Will Be an Additional Card in Your Wallet

If you plan on having the Chase Slate Edge℠ as an additional card, you can benefit by transferring balances from your other cards to this one to consolidate your debt. Just remember to budget wisely so your interest burden won’t significantly increase after the 18-month period ends.

WHY TRUST OUR REVIEWS

MoneyGeek reviews and ranks credit cards using a well-defined and streamlined methodology. Our process involves gathering information from the Consumer Finance Protection Bureau’s database, standardizing data points, estimating average spend profiles and determining the three-year value of cards. We also carry out regular re-ranking as credit card details and offers change.

How Chase Slate Edge℠ Compares to Other Cards

Chase Slate Edge℠’s benefits make it a good choice for those looking for a balance transfer credit card. However, it’s important to see how it stacks up against other cards in the same category so you can determine if it’s the right fit for you.

Quick Comparison of Chase Slate Edge℠

Chase Slate Edge℠

Introductory 0% APR: 18 months, then a variable APR of 19.99% – 28.74%
Regular APR: 19.99% – 28.74% variable
Annual Fee: $0
Foreign Transfer Fee: 3%
Best For: Those who want to improve their credit score

Citi® Diamond Preferred® Card

Introductory 0% APR: 21 months, then a variable APR of 17.99% – 28.74%
Regular APR: 17.99% – 28.74% variable
Annual Fee: $0
Foreign Transfer Fee: 3%
Best For: Those who want to take advantage of Citi offers

Other Helpful Decision-Making Q&As

If you think the Chase Slate Edge℠ is the best balance transfer card for you, you can learn more about it by understanding the answers to some of these frequently asked questions.

Still not sure about this card? Consider these options.

If you’re unsure that the Chase Slate Edge℠ is the right card for you, consider taking a look at other balance transfer cards for more options. If you don’t want a balance transfer card, you may benefit from a rewards card or a cash back card.

View All Credit Cards

Learn more about credit cards in general

sources

Chase. "Slate Edge credit card." Accessed February 27, 2022.
Chase. "Pricing Information." Accessed February 27, 2022.
J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed February 27, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.

MoneyGeek's Take