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How to Upgrade a Chase Slate Card to a Chase Freedom Card

While Chase Slate credit cards offer some intriguing benefits, there are some key reasons you'll want to consider upgrading to a Chase Freedom card.

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The Chase Slate family of credit cards are targeted toward those who may not qualify for some of the more premium Chase credit cards. Chase Slate cards like the Chase Slate EdgeSM typically offer benefits like automatic credit line increases, interest rate lowering and an introductory 0% APR period.

But as your credit profile improves, you may want to upgrade your Chase Slate card to a Chase Freedom® card. The Chase Freedom FlexSM and Chase Freedom Unlimited® cards not only come with no annual fee, they also give you access to the valuable Chase Ultimate Rewards® program. Here’s an in-depth look at when you should consider upgrading your Chase Slate credit card to a Chase Freedom card.

Should You Upgrade from the Chase Slate Edge to Chase Freedom?

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If you’re just starting to build your credit history or have dings on your credit report, you may consider the Chase Slate Edge credit card or another card in the Chase Slate family. This is because the Chase Slate credit cards are targeted toward people whose credit health is not ideal. You don’t earn rewards with Chase Slate credit cards, but there are several benefits that come with the Chase Slate Edge credit card:

  • 0% intro APR for 18 months on purchases and balance transfers
  • Automatic consideration for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card by your next account anniversary
  • Automatic review for a higher credit limit when you pay on time and spend $500 in your first six months
  • No annual fee

As your credit score and financial situation improve, you may find you want a card with more benefits. When that happens, it may be time to upgrade your Chase Slate card to a Chase Freedom card. The Chase Freedom Flex and Chase Freedom Unlimited allow you to earn Ultimate Rewards points on your combined purchases each month. Chase Ultimate Rewards points are some of the most valuable credit card points out there, so being able to earn them with every purchase is a major reason to upgrade your Chase Slate card.

Before you upgrade your Chase Slate card, there are a few things to consider. 

  • Card benefits: You may no longer have access to any of the benefits that are specific to your Chase Slate card. Once the upgrade is complete, you’ll lose access to the previous card’s benefits, but on the upside, you may gain increased benefits from the new card.
  • Sign-up bonus: Another thing to keep in mind is that the initial sign-up bonus for Chase Freedom Flex or Chase Freedom Unlimited is typically not available when you upgrade your card. You can find out more information about the current Chase Freedom Flex and Chase Freedom Unlimited offers in our Chase Bonus Roundup. If you’re looking to switch to one of the Freedom cards, consider applying for a new Freedom card rather than upgrading directly. That will keep you eligible for the new welcome bonus.
  • Downgrade might not be available after upgrade: Finally, if you currently have one of the Chase Slate credit cards, understand that the Chase Slate card is no longer open to new applicants. So if you upgrade your Chase Slate credit card and decide you want to go back to it, you won’t be able to. There is a Chase Slate Edge credit card that is currently accepting applicants, but it is different than the old Chase Slate credit card that you may have.

How to Upgrade Your Chase Card

If you decide to convert your Chase Slate card to a Chase Freedom card, the good news is that the upgrade process is fairly simple. 

  • First, check to see if there are any upgrade offers available on your account at Chase.com. 
  • Then, log in to your credit card account and check if you are able to upgrade your credit card account online. If not, you can always call the customer service number on the back of your credit card and ask the agent to upgrade your account.

How Does Chase Freedom Compare to Chase Slate Edge?

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There are several benefits of upgrading from the Chase Slate credit cards. While the Chase Slate credit cards have some benefits, there are also some features that the Chase Freedom cards have that are missing from the Chase Slate card:

  • Signup bonus: The Chase Freedom Flex and Chase Freedom Unlimited cards both offer a signup bonus. If you want to take advantage of this signup bonus, you’ll want to apply for a Chase Freedom card (typically upgrades or credit card product changes are not eligible for welcome bonuses).
  • Rewards program: Chase Ultimate Rewards points are some of the most valuable credit card points out there. With both the Chase Freedom Flex and Chase Freedom Unlimited, you’ll earn Ultimate Rewards points with every purchase.
  • Bonus spending: The Chase Freedom Flex card offers 5% cash back on up to $1,500 in combined purchases in every quarter’s bonus categories, which include everything from gas stations to streaming services. The bonus categories change every quarter. 
  • Credit limit: Users of the Chase Slate cards have to wait for an automatic review every year in order to receive a higher credit limit, while users of the Chase Freedom cards typically find the cards already come with a higher credit limit.

No matter whether you have a Chase Slate credit card or one of the Chase Freedom credit cards, you’ll still have the same customer service provided by Chase as well as no annual fee.

Here’s a brief overview of the Chase Freedom family of credit cards for comparison:

Chase Freedom Unlimited

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

More Details: The Chase Freedom Unlimited is a valuable all-around credit card with no annual fee. This cash-back card earns a rewards rate of 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories.

New cardholders can take advantage of its big sign-up bonus—enjoy an additional 1.5% cash back on all purchases (up to $20,000 spent) in the first year. This bonus is valued at up to $300 in cash back, and stacks with all the above rewards rates, meaning you can earn up to 6.5% cash back. Read our full review of the Chase Freedom Unlimited Card.


Chase Freedom Flex

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on both purchases and balance transfers for the first 15 months. After the introductory period, a variable rate will apply. Balance transfers made within the first 60 days of account membership will be charged a balance transfer fee of either $5 or 3% of the amount of each transfer. After 60 days, that balance transfer fees increases to either $5 or 5% of the amount of each transfer, whichever is greater.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex℠ Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

The Chase Freedom Flex Card is an excellent cash-back credit card for people who are looking to maximize rewards. Cardholders can take advantage of its excellent rewards rate: 5% cash back on rotating categories when you activate (up to $1,500 each quarter), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on other purchases.

As a new Freedom Flex cardholder, you’ll also earn a $200 sign-up bonus after you spend $500 in the first three months.

The Freedom Flex also offers an introductory 0% APR on new purchases and balance transfers for the first 15 month from account opening. Read our full Chase Freedom Flex Card review.


Who Is Eligible to Upgrade from the Chase Slate to Chase Freedom Card?

Being approved for the Chase Freedom card will depend on your overall credit and financial situation. While Chase does not publish the exact guidelines they use, typically it is more difficult to be approved for a Chase Freedom Flex or Freedom Unlimited card than it is for a Chase Slate or Chase Slate Edge card.

To be approved for a Chase Freedom card, you’ll want to have sufficient income as well as good to excellent credit scores. Both the Chase Freedom Unlimited and Chase Freedom Flex card are also subject to Chase’s 5/24 rule. The Chase 5/24 rule says that you are very unlikely to be approved if you have been approved for five or more credit cards within the past 24 months. So even if you have outstanding credit and tons of income, if you have opened five or more credit cards within the past two years, you will likely be denied for a Chase Freedom card.

The Bottom Line

While the Chase Slate and Chase Slate Edge credit cards have their niche among credit applicants, they are not great cards to keep for an extended period of time due to the lack of rewards. Chase Ultimate Rewards points are one of the most valuable of all credit card rewards, and both Chase Freedom cards are a great way to score Ultimate Rewards points with no annual fee.

But do note that by upgrading, you may lose out on the sign-up bonuses, as these are typically reserved for new applicants who have not had a Chase Freedom card in the past 24 months. So if your financial situation allows it, you may want to consider applying for a Chase Freedom card as a new applicant. Then, if you’re approved, you can cancel your Chase Slate or Chase Slate Edge card if you want.

Once your credit score and financial situation are on solid ground, you can also start looking at other credit cards that provide solid cashback and travel rewards to earn a little more money for that next vacation or simply to put it back into your bank account.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Dan Miller
Dan Miller
Dan Miller is a freelance writer and founder of PointsWithACrew.com, a site that helps families to travel for free and cheap. He is an expert in all things personal finance, and his work has been featured in Forbes, NerdWallet, Bankrate, CreditCards.com, Rocket Mortgage and Intuit Mint. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and six kids.

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