Chase Slate Edge Review: 18 Months of 0% Interest on Purchases and Balance Transfers

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Chase Slate Edge℠

This product is currently not available via Slickdeals. All information about this product was collected by Slickdeals and has not been reviewed by the issuer.

• Our Rating 4/5 How our ratings work
• APR19.99% – 28.74% (Variable)
• Annual Fee$0
• N/A $0

The Chase Slate Edge℠ offers an impressive 18-month 0% intro APR period (after which the APR jumps to a variable 19.99% – 28.74%) which is generous for a card with no annual fee. We also appreciate the ways this card incentivizes good credit card habits by offering a credit adjustment review and APR reductions for customers who pay their bills on time. While it's a shame that this card does not earn rewards, it's still a good option for those who want to pay off a large purchase over time.

Extra Rewards for On-Time Payments

If you’re looking for a credit card with a 0% APR promotion and long-term interest rate benefits, the Chase Slate Edge^SM card may be a good fit. The card offers a long introductory APR promotion on purchases and balance transfers, and once the regular APR kicks in, you’ll have the chance to lower it over time with responsible use.

Chase Slate Edge Card Highlights

• 0% introductory APR on purchases and balance transfers for 18 months, then 19.99% – 28.74% (Variable) .
• Potentially lower your interest rate by 2% each year when you make your payments on time and spend at least $1,000 during your account anniversary year 
• Qualify for a credit line increase review when you pay on time and spend $500 in the first six months
• Partner perks with DoorDash
• Auto rental collision damage waiver, purchase protection, and extended warranty protection
• No annual fee

If you're looking for a 0% introductory period on your APR or think you might carry a balance at some point in the future, this card should be on your radar. However, it has no rewards program, so it's not a good option for people who want a 0% APR promotion and cash back, points, or miles.

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Sign-Up Bonus

The Chase Slate Edge doesn't offer a sign-up bonus, instead focusing on its 0% APR promotion. There are other balance transfer credit cards that also offer long 0% APR benefits with no rewards. But if you want a mix of interest savings and a welcome incentive, you may want to consider another option.

Recommended Credit Card Bonuses

Credit Card	Intro Bonus	Annual Fee	Rewards Rate	Learn More
Chase Freedom Unlimited® Apply Now	1.5%Extra Cash Back More Info Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase TravelSM, 4.5% on dining and drugstores, and 3% on all other purchases.	$0	1.5% - 5%Cashback More Info Enjoy 5% cash back on travel purchased through Chase TravelSM, 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 1.5% on all other purchases	Apply Now
Chase Sapphire Preferred® Apply Now	60,000Chase Ultimate Rewards Points More Info Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)	$95	1x- 5xPoints More Info Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	Apply Now
Wells Fargo Autograph℠ Card Apply Now Rates & Fees	20,000Points More Info Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Dollar Equivalent: $200 (20,000 Points * 0.01 base)	$0	1x - 3xPoints More Info Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.	Apply Now Rates & Fees
Wells Fargo Active Cash® Card Apply Now Rates & Fees	$200Cash Bonus More Info Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.	$0	2%Cashback More Info Earn unlimited 2% cash rewards on purchases.	Apply Now Rates & Fees

Earning Rewards

The Chase Slate Edge doesn't offer ongoing rewards. If your top priority is to save money as you pay down a large purchase, emergency expenses, or credit card debt from another card, the value you can get from the card could make up for the lack of rewards.

But again, there are plenty of 0% APR credit cards that offer a mix of interest savings and rewards.

Redeeming Rewards

The card doesn't offer rewards on purchases you make every day.

Card Benefits and Perks

DoorDash

The Chase Slate Edge doesn't offer rewards, but it does offer some solid benefits to make it worthwhile even after the promotional 0% APR period ends. Here's what you can expect in addition to the APR promotion:

Higher Credit Limit

You can get an automatic review for a credit limit increase in just six months if you spend $500 and pay on time during that introductory period.

Long-Term Interest Savings

For each year in which you spend $1,000 or more and make on-time payments, your interest rate may drop by 2%, down to a minimum of the Prime Rrate plus 9.74%.

DoorDash Benefit

You'll get a complimentary three-month DoorDash DashPass membership, then 50% off your monthly subscription for the following nine months. You must activate this benefit by December 31, 2024.

Insurance Protections

The card offers auto rental collision damage waiver, purchase protection, extended warranty protection, and roadside dispatch.

Credit Journey®

Get free access to your VantageScore 3.0® by Experion credit score and credit monitoring.

Drawbacks

Although the Chase Slate Edge offers some valuable features, there are some downsides to consider before you apply.

No Rewards

As previously mentioned, there are several credit cards that offer relatively long 0% APR intro periods and rewards. Depending on how long you need the interest savings, you may be able to get the best of both worlds with a rewards credit card.

Recommended Rewards Credit Cards

Credit Card	Rewards Rate	Annual Fee	Intro Bonus	Learn More
Chase Sapphire Preferred® Apply Now	1x- 5xPoints More Info Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95	60,000Chase Ultimate Rewards Points More Info Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)	Apply Now
Chase Freedom Unlimited® Apply Now	1.5% - 5%Cashback More Info Enjoy 5% cash back on travel purchased through Chase TravelSM, 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 1.5% on all other purchases	$0	1.5%Extra Cash Back More Info Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase TravelSM, 4.5% on dining and drugstores, and 3% on all other purchases.	Apply Now
Wells Fargo Autograph℠ Card Apply Now Rates & Fees	1x - 3xPoints More Info Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.	$0	20,000Points More Info Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Dollar Equivalent: $200 (20,000 Points * 0.01 base)	Apply Now Rates & Fees
Citi Strata Premier℠ Card Apply Now Rates & Fees	1X-10XPoints More Info 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases	$95	75,000Citi ThankYou® Points More Info Limited Time Offer: Earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,350 (75,000 Citi ThankYou® Points * 0.018 base)	Apply Now Rates & Fees

Interest Benefit Requires Long-Term Use

The ability to lower your interest rate over time is relatively unique, but it could take several years to make the most of it. What's more, the floor for the perk is relatively high, and it's only valuable if you intend to carry a balance, which is best to avoid. 

Not the Longest 0% APR Benefit on the Market

If you're looking to maximize your interest savings with a 0% APR purchase or balance transfer promotion, you may be able to do better with another card.

Annual Fee

The Slate Edge doesn't charge an annual fee, which is standard for most credit cards that offer 0% APR promotions.

APR

The card offers an introductory 0% APR on purchases and balance transfers for 18 months, after which the APR ranges from 19.99% – 28.74% (Variable) based on creditworthiness.

Other Fees

The card has an intro balance transfer fee of 3% for the first 60 days from account opening, after which it jumps to 5%. The minimum balance transfer fee is $5. The card also charges a 5% fee on cash advances ($10 minimum) and a 3% foreign transaction fee.

Recommended Credit Score

Chase doesn't disclose a minimum credit score requirement, but it's generally recommended to have a good or excellent credit score to get approved. In addition to your score, the card issuer will consider your credit history, other debts, employment, income, and other factors.

Chase Slate Edge vs. Chase Freedom Unlimited

Credit Card	Intro Bonus	Annual Fee	Rewards Rate	Learn More
Chase Slate Edge℠	$0	$0	N/A	This product is currently not available via Slickdeals. All information about this product was collected by Slickdeals and has not been reviewed by the issuer.
Chase Freedom Unlimited® Apply Now	1.5%Extra Cash Back More Info Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase TravelSM, 4.5% on dining and drugstores, and 3% on all other purchases.	$0	1.5% - 5%Cashback More Info Enjoy 5% cash back on travel purchased through Chase TravelSM, 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 1.5% on all other purchases	Apply Now

Both the Slate Edge and Freedom Unlimited® offer 0% APR promotions, though the Slate Edge's promotion is a few months longer. With the Freedom Unlimited card, you get 0% APR on purchases and balance transfers for 15 months, then 19.99% - 28.74% (Variable) APR applies.

The trade-off for those three months, however, is up to 5% cash back rewards on your everyday spending, plus an extra 1.5% cash back on all purchases in the first year (up to $20,000 spent).

Unless you absolutely need those extra few months, you'll likely get more long-term value with the Freedom Unlimited. What's more, the ongoing APR may be similar, though you won't be able to reduce your Freedom Unlimited APR over time.

Recommended Balance Transfer Credit Cards

Credit Card	Intro APR	APR	Rewards Rate	Learn More
Citi® Diamond Preferred® Card Apply Now Rates & Fees	0% for 21 months on balance transfers and 12 months on purchases More Info 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.	17.49% - 28.24% (Variable)	N/A	Apply Now Rates & Fees
Citi Double Cash® Card Apply Now Rates & Fees	0% for 18 months on Balance Transfers More Info Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.	18.49% - 28.49% (Variable)	2%Cashback More Info Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	Apply Now Rates & Fees
Wells Fargo Reflect® Card Apply Now Rates & Fees	0% intro APR for 21 months More Info 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.	17.49%, 23.99% or 29.24% (Variable)	N/A	Apply Now Rates & Fees
Wells Fargo Active Cash® Card Apply Now Rates & Fees	0% intro APR for 12 months More Info 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.	19.49%, 24.49%, or 29.49% (Variable)	2%Cashback More Info Earn unlimited 2% cash rewards on purchases.	Apply Now Rates & Fees

Who Is the Card Good for?

The Chase Slate Edge may be worth considering if you need a long intro 0% APR promotion on either purchases or balance transfers, and earning rewards isn't your top priority. This may be especially true if you already have a rewards credit card you like. And if you pay your balance on time, you can enjoy other benefits, including automatic consideration for a credit line increase and a lower interest rate over time.

However, if you want a mix of rewards and interest savings and generally don't plan on carrying a balance from month to month, the card might not be the right fit. And if you need more time to pay off your debt, you may want a card with a longer 0% APR promotion.

Take your time to research and compare multiple credit cards to determine which is right for you. As you compare the Slate Edge to other 0% APR and balance transfer credit cards, focus on the length of the promotion, as well as opportunities to earn a sign-up bonus or ongoing rewards.

FAQs

• What is Chase Slate Edge?

  The Chase Slate Edge is a credit card offered by Chase. It offers a long 0% APR promotion for both purchases and balance transfers, the potential for an automatic credit line increase and the possibility to lower your interest rate over time, all with no annual fee.

• Does Chase Slate Edge have rewards?

  When the Chase Slate Edge first launched, it offered a sign-up bonus. However, it no longer offers a cash rewards bonus to new cardholders, and it also doesn't offer ongoing rewards. 

• Is Chase Slate Edge hard to get?

  Like most 0% APR credit cards, the Slate Edge is generally reserved for consumers with good and excellent credit. According to FICO®, that means having a credit score of 670 or higher, but meeting that threshold won't guarantee approval.

  Before you apply for any credit card, evaluate your credit profile and see if you can improve your credit and increase your approval odds. 

• Is Chase Slate Edge a good credit card? 

  The Slate Edge can be a good credit card if you want to transfer a balance and pay it off over time. And if you tend to carry a balance, the ability to lower your interest rate over time can be appealing.

  However, it doesn't offer rewards, which could be a deal-breaker for some, and if you need more time to pay down your debt, you may get it with another card.