Chase Slate Edge℠ review
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- Annual fee
- $0
- Intro purchase APR for the first 18 months (then 19.99% to 28.74% variable)
- 0%
- Intro balance transfer for the first 18 months (then 19.99% to 28.74% variable)
- 0%
- Balance transfer APR (variable)
- 19.99% to 28.74%
Our verdict
The Slate returns with a few new features aimed at reducing interest.
The Chase Slate Edge℠ is Chase’s refresh of the original Chase Slate and offers a few new tweaks to the old card’s features. It requires no annual fee and a 0% intro APR on balance transfers and purchases for 18 months — reverting to 19.99% to 28.74% variable.
Chase has, wisely, improved the card's intro APR length to 18 months. This is a big improvement from the 12-months the card relaunched with and is even better than the card's old offer of 15-months. The card still lacks the 0% balance transfer fee offer, but this is much less a sore spot now that the card's intro period is more respectable.
While the card’s interest and credit limit features are interesting, they’re not quite strong enough to make the card a better long-term choice than a rewards card. If you want a 0% interest card and prefer sticking with Chase, this card can suit your needs. But if you’re looking for a longer intro APR period or stronger value from your card over time, there are better options on the market.
Pros
-
Intro APR on purchases and balance transfers. Enjoy a 0% intro APR on purchases and balance transfers for 18 months, reverting to 19.99% to 28.74% variable.
-
No annual fee. You won't pay an annual fee to use this card.
Cons
-
Intro offer on balance transfer fees gone. The original Chase Slate offered a 0% balance transfer fee offer for 60 days. This is no longer the case, as the Chase Slate Edge℠ offers a 60 days period of $5 balance transfer fees, reverting to 3%.
Details
Features
| Annual fee | $0 |
| Welcome offer | N/A |
| Rewards | N/A |
| Purchase APR | 0% intro for the first 18 months (then 19.99% to 28.74% variable) |
| Balance transfer APR | 0% intro for the first 18 months (then 19.99% to 28.74% variable) $5 or 3% of the amount of each transfer, whichever is greater for the first 60 days, then $5 or 5% |
| Minimum credit score | 670 |
| Issuer | Visa |
Fees
| Balance transfer fee | $5 or 3% of the amount of each transfer, whichever is greater for the first 60 days, then $5 or 5% |
| Cash advance rate | 29.99% variable |
| Cash advance fee | $10 or 5% of the cash advance amount, whichever is greater |
| Penalty APR | Up to 29.99% variable |
| Foreign transaction fee | 3% of the transaction value |
| Interest free period | Up to 21 days |
| Late payment fee | Up to $40 |
| Returned payment fee | Up to $40 |
| Additional cardholder fee | $0 |
| Security deposit | N/A |
How to apply for the Chase Slate Edge℠
- Go to the provider's site to Learn more about how to apply for Chase Slate Edge℠.
- Fill out the requested information and choose Submit.
Chase Slate Edge℠ benefits
- Intro APR. The Chase Slate Edge℠ comes with a 0% intro APR for 18 months on purchases and balance transfers, reverting to 19.99% to 28.74% after.
- No annual fee. You won’t pay an annual fee to use this card.
- Assorted Chase benefits. This card comes with several of the standard benefits you’ll find on Chase cards, including roadside dispatch and auto rental collision damage waivers, purchase protection and extended warranty protection.
Chase Slate Edge℠ drawbacks
- Intro balance transfer fee worse than before. The original Chase Slate offered up to 60 days to transfer your balance with no balance transfer fees. The new offer is the greater of $5 or $5 of the balance transfer amount, reverting to the greater of $5 or 5% after the first 60 days.
Compare other balance transfer cards
Chase Slate Edge℠ customer reviews and complaints
The original Chase Slate card was respected for its intro APR period, with cardholders on social media such as reddit noting the card loses much of its value after that intro period. We’ll see if the new additions to the card’s APR structure give the card some of that long-term value.
Chase receives an A+ rating from the Better Business Bureau (BBB) and is not accredited with the company as of June 2022. Customer reviews on the site complain of poor customer service.
The provider receives a 1.7 rating out of 5 on Trustpilot based on more than 130 consumer reviews, many of which note poor customer service.
Bottom line
After a somewhat unimpressive reemergence, the Chase Slate Edge℠ has stepped its game up by bumping its intro APR period to a more respectable 18 months from the prior 12 month period. The loss of a 0% balance transfer fee still stings a bit, but the value of the card is solid if you’re looking for a simple balance transfer option from Chase. For those looking for a longer intro period or rewards, there are stronger intro APR credit cards on the market.
Compare Chase Slate Edge℠ with other cards
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Your reviews
Steven Finder
Senior writer
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joelmarcelo
March 19, 2018
Hi Clark,
Thanks for leaving a question on finder.
Please note that finder is a financial comparison and information website that helps consumers make better decisions. We do not represent any of the providers we feature on our website.
It looks like you will have to speak with Chase directly at 1-212-270-6000.
Cheers,
Joel
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Robert
June 11, 2017
I am looking for a 15-21 month 0 % credit card with 0 balance transfer fees to consolidate my relatives debt.
I would want between 10k – 15k. I would be the card holder guarantee payment. My credit card score is around 800.
No annual fee as well. Which companies should I consider that allow transfer from one person to me?
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Anndy Finder
June 17, 2017
Hi Robert,
Thanks for your question.
You may want to compare credit cards that allow for balance transfer between two people’s names.
Just click on the bank logo to check your card options issued by a particular bank.
Cheers,
Anndy
Clark
March 13, 2018
I would like to find out if my Slate Credit Card is still being used. I think my ex-wife may be using it. I cannot sign in because I don’t have my account number. Can you help me.