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Chase Slate Edge Review: A Long 0% Intro APR Card With a Unique Extra Perk

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman

OFFER STATUS

Chase Slate Edge℠ is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page. The information related to Chase Slate Edge℠ has been collected by The Motley Fool and has not been reviewed or provided by the issuer or provider of this product or service.

The Chase Slate Edge℠ starts new cardholders off with an impressive 0% intro APR that applies to both purchases and balance transfers. Cardholders also have the opportunity to get a lower interest rate. But this card doesn't earn any sort of cash back or points. Read our full Chase Slate Edge℠ review to find out if you should apply.

Full Chase Slate Edge review

This credit card is a good fit for: Consumers who want to finance a purchase or refinance credit card debt.

Top perks

The Chase Slate Edge℠ has several features, with the highlight being its 0% intro APR offer.

0% intro APR for 18 months

This Chase card has a 0% intro APR on purchases and balance transfers for 18 months from account opening. There are two ways to take advantage of this offer:

  • Make one or more big purchases and pay them off within the intro period with no interest charges
  • Transfer credit card debt so you can pay it down with zero interest during the intro period

If you're going to use this card for balance transfers, there is a balance transfer fee. The intro balance transfer fee is 3% with a $5 minimum and applies to transfers made within 60 days of account opening. After that, the balance transfer fee is 5% with a $5 minimum.

MORE OPTIONS: Best 0% APR Credit Cards

No annual fee

The Chase Slate Edge℠ has no annual fee. No annual fee credit cards like this are a good choice when you're keeping extra costs to a minimum.

Automatic credit limit review

If you spend at least $500 in the first six months and pay on time, Chase will automatically review your account for a credit limit increase. There's no guarantee Chase will increase your credit limit, and this is something you could request on your own. It's still helpful that Chase does it automatically.

LEARN MORE: How to Increase Your Credit Limit

APR reduction

One of the most unique Chase Slate Edge℠ benefits is the opportunity to get an APR reduction. If you make at least $1,000 on purchases in an account year and pay on time, Chase will review your account for a 2% APR reduction on purchases, balance transfers, and a My Chase Loan. Your card's APR can be reduced until it reaches 9.74% plus the Prime Rate (which can vary).

As unique as it is, this is a minor benefit that shouldn't weigh too heavily when you compare credit cards. It's better to pay off your credit card balance in full every month to avoid interest charges entirely. Even with an APR reduction, carrying a balance isn't recommended.

Purchase and travel protections

On eligible purchases, the Chase Slate Edge℠ offers these complimentary protections:

  • Purchase protection: Covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the time period of the U.S. manufacturer's warranty by one year on eligible warranties of three years or less.
  • Auto rental collision damage waiver: Covers most rental cars in the United States and abroad for theft and collision damage. You must decline the rental company's collision coverage and charge the entire rental cost with your Chase card. In the United States, coverage is secondary to your personal insurance.

Travel often? Check out The Ascent's picks for the best travel rewards credit cards.

Alternatives to consider

If you want a longer 0% intro APR offer: The Wells Fargo Reflect® Card has a 0% intro APR on purchases and qualifying balance transfers for an impressive 21 months from account opening on qualifying balance transfers. Qualifying balance transfers are those made within 120 days of account opening. After the 0% intro APR period ends, the go-to 18.24%, 24.74%, or 29.99% Variable APR applies.

If you want to earn rewards: The Chase Freedom Flex℠ has several bonus categories where it earns as much as 5% cash back. This card also has a 0% intro APR, although it doesn't last quite as long as what you get with the Chase Slate Edge℠.

As of Nov. 27, 2023
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Wells Fargo Reflect® Card Chase Freedom Flex℠
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Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer:

Welcome Offer: Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

Rewards Program:

N/A

Rewards Program: Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Intro APR: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Intro APR: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR:

18.24%, 24.74%, or 29.99% Variable APR

Regular APR:

20.49%-29.24% Variable

Annual Fee: Circle with letter I in it. N/A

$0

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Highlights:

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

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What could be improved

This Chase credit card has a couple notable issues.

No purchase rewards

The biggest drawback of the Chase Slate Edge℠ is that it doesn't earn purchase rewards. Although the lack of rewards isn't as much of an issue when you're working on your credit, you'll probably eventually want to upgrade to a rewards card.

COMPARE OPTIONS: Best Rewards Credit Cards

Foreign transaction fee

The Chase Slate Edge℠ charges a foreign transaction fee of 3% in U.S. dollars. This fee applies to transactions made outside the United States and in foreign currencies. On international trips, a card without foreign transaction fees is good to have so you don't rack up extra charges. If you need a card to use while traveling abroad, it's a good idea to check out more credit card reviews and pick one without this fee.

Suggested credit score

A FICO® Score of 670 or higher is recommended when applying for the Chase Slate Edge℠. Chase looks at more than your credit score during the application process, so your credit score alone doesn't guarantee an approval or denial.

One other important factor you should know about is Chase's 5/24 rule. If you've opened five or more credit cards within the previous 24 months, this rule will usually lead to an automatic denial.

The Chase Slate Edge is right for you if:

You want a long 0% intro APR offer for both balance transfers and purchases. If there's something expensive you need to pay off over time or you have credit card debt, the Chase Slate Edge℠ can help you save money.

SEE MORE: Best Balance Transfer Credit Cards

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • The minimum credit limit for the Chase Slate Edge℠ is $500, but it's possible to be approved for higher amounts depending on your credit worthiness. If you make at least $500 in purchases over the first six months and make all your payments on time, Chase will automatically review your account for a credit limit increase.

  • Yes, you can upgrade the Chase Slate Edge℠ to another Chase credit card. To request an upgrade, call the number on the back of your card. Chase generally only lets cardholders change to a different credit card after the account has been open for at least one year.

  • The Chase Slate Edge℠ is a Visa credit card.

Our Credit Cards Experts