Most products on this page are from partners who may compensate us. This may influence which products we write about and where and how they appear on the page. However, opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain. This page may include information about American Express products currently unavailable on Slickdeals. American Express is not a partner of Slickdeals.

Chase Slate Edge℠

Apply Now

Secure application on issuer’s website

The Chase Slate Edge℠ offers an impressive 18-month 0% intro APR period (after which the APR jumps to a variable 20.49% - 29.24%) 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 EdgeSM 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.


  • Strong intro APR offer
  • No annual fee
  • Offers pathways to lower interest rates and a higher credit limit


  • Does not earn rewards
  • No sign-up bonus
  • Features a balance transfer fee

Chase Slate Edge Card Highlights

  • 0% introductory APR on purchases and balance transfers for 18 months, then 20.49% - 29.24% (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 Instacart and 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.

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.

watch and 100 dollar bill Related Article

Here are the Best Credit Card Bonuses in September

Read More

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 delivery bag on scooter


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%.

Instacart Benefit

You'll get a complimentary three-month Instacart+ membership when you enroll by July 31, 2024. 

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.

buying coffee at coffee shop Related Article

Unlocking the Surprising Benefits of Using Your Credit Card for Everyday Purchases

Read More

Credit Journey®

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


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.

Get The Most Bang for Your Buck with Rewards

Best Rewards Credit Cards

Visit the Marketplace

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.


The card offers an introductory 0% APR on purchases and balance transfers for 18 months, after which the APR ranges from 20.49% - 29.24% (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.

How the Card Compares

Chase Slate Edge Chase Freedom Unlimited®

Sign-Up Bonus


Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!

Annual Fee



Rewards Rates


5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on drugstore purchases and on dining, including eligible takeout and delivery services, and 1.5% back on all other eligible purchases


0% APR on purchases and balance transfers for 18 months, then 20.49% - 29.24% (Variable)

0% APR on purchases and balance transfers for 15 months, then 20.49% - 29.24% (Variable)

Chase Slate Edge vs. Chase Freedom Unlimited

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 20.49% - 29.24% (Variable) APR applies.

The trade-off for those three months, however, is a sign-up bonus and up to 5% cash back rewards on your everyday spending.

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.

Pay No Interest for a Limited Time

Here Are the Best Balance Transfer Cards

Visit the Marketplace
dollar sign made out of money

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 that 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 for you. Also, if you think you'll need more time to pay off your debt, you may want a card with a longer 0% APR promotion.

As with any credit card decision, it's crucial to take your time to research and compare multiple credit card options to determine which one is the right fit 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.

Frequently Asked Questions

  • 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.

  • 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. 

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

    Before you apply for this or any credit card, it's a good idea to evaluate your credit profile and see if you can take steps to improve your credit and increase your approval odds. 

    While some other credit cards have pre-approval tools on their websites that you can use to gauge your approval odds, Chase doesn't currently offer this feature.

  • 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're prone to carry a balance, the ability to lower your interest rate over time can be appealing.

    However, the Slate Edge 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.


Ben Luthi

Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.