Chase Slate Edge℠ review

Chase Slate Edge℠ review

Updated: September 8, 2021
Updated: September 8, 2021
Ratings Policy
Balance Transfer Rating:
3.4 rating
3.4 rating
3.4 / 5
Introductory Offer:3.3
Rates & fees:2.8
Issuer Customer Experience4.0

In a Nutshell:

Though the Chase Slate Edge card comes with some unique features that could help you offset the cost of your balance transfer, its intro APR offer leaves a bit to be desired.


All information about the Chase Slate Edge has been collected independently by and has not been reviewed by the issuer.

0% Introductory Period
12 months


Transfer Fee

  • $5 or 3% first 60 days of account opening
  • $5 or 5% afterward (whichever is greater)

Introductory Purchase APR
0% for 12 months


Regular APR
14.99%-23.74% (variable)


Annual Fee


Chase Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 809 (30% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 4.4/5
  • Apple Store mobile app rating: 4.8/5

Other Notable Features: Get a $100 bonus on your statement when you spend $500 in the first six months, lower APR by 2% each year if you pay on time and spend at least $1000 on your card by your next account anniversary, automatic, one-time review for credit limit if you pay on time and spend $500 in first six months, Chase Credit Journey

The newest balance transfer credit card from Chase, the Chase Slate Edge, comes with an array of unique features that set it apart from others in its category. Not only can you earn a limited-time bonus credit when you spend with the card, but you can also lower your ongoing APR and be eligible for a credit line increase when you meet the card’s minimum spending and on-time payment requirements.

Unfortunately, though, the card falls short where it counts most – its intro APR offer. While you’ll need to do the math and put together a debt payoff plan to see if the Chase Slate Edge makes sense for you, you’ll likely find that perks like a cash bonus and a chance at lowering your ongoing APR can’t make up for the card’s short intro APR period and limited long-term value.

See related: How do balance transfers work?

Current intro APR offer

The Chase Slate Edge carries some unique features for a balance transfer card, but it likely won’t be the best option if getting a long intro APR period is your top priority.

The card offers a 0% intro APR on new purchases and balance transfers for your first 12 months, after which a variable APR of 14.99% to 23.74% applies (about the average credit card APR range). While a year of 0% APR is nothing to sneeze at, it’s far from the most generous intro APR offer on the market. In fact, 12 months is on the low side compared to most dedicated balance transfer and low-interest cards, with many offering 15 to 18 months of 0% APR. Indeed, the U.S. Bank Visa Platinum Card carries a 0% intro APR offer on balance transfers for a whopping 20 billing cycles (a variable APR of 14.49%-24.49% applies after that).

That said, having a year’s worth of breathing room to finance new purchases or chip away at card debt while paying no interest will still save you a significant amount of money. And since all of your payments will be going toward your principal balance for the first 12 months, you can get out of debt faster.

See related: How do intro APRs work?

To get a sense of how much you can save by taking advantage of this Chase balance transfer offer let’s say you owe $5,000 on a credit card with a 21% APR and you’re currently paying $430 per month to get out of debt. At this rate, it would take you 14 months to pay off your balance, and you’d fork over around $640 in total interest payments.

As you can see if you try out our balance transfer calculator, if you transferred your balance to the Chase Slate Edge card instead, you could be debt-free 2 months sooner and save nearly $500. If you transferred your balance within the first 60 days, you’d pay a 3% balance transfer fee of $150, bringing your total balance to $5,150. If you then made the same $430 per month payment, your balance would be paid off in just under 12 months and your only cost would be the $150 balance transfer fee.

That’s saying nothing of the Chase Slate Edge card’s unique cash bonus offer, which, depending on the size of your balance, could completely offset the cost of your balance transfer fee.

Unique cash bonus offer

Though the length of its intro APR period fails to impress, the Chase Slate Edge card offers a unique limited-time cash bonus offer that could prove just as valuable as a longer intro APR period for the right cardholder.

You can earn a $100 bonus on your statement if you spend $500 with the card in your first six months. Sign-up bonuses of this sort are rare among dedicated balance transfer and low-interest cards, and if you transfer a balance of less than $3,333, the credit should cover your balance transfer fee. Given how rare no balance transfer fee credit cards have become, this is a major perk.

The spending threshold required to earn the credit is also reasonable, so you shouldn’t have trouble reaching it even if you only use the card for everyday staples like groceries and gas. And while the Slate Edge card may have limited long-term value since your purchases won’t earn ongoing rewards as they would with a cash back or rewards credit card, paying off debt quickly should always be your top priority when looking for a balance transfer card – not maximizing rewards.

Card rates and fees

After your intro APR period ends, you’ll face the Chase Slate Edge card’s ongoing variable APR of 14.99% to 23.74%, depending on your creditworthiness. However, the Chase Slate Edge gives you more control over this rate than the average credit card. Regardless of the rate you’re assigned when your application is approved, you can be automatically considered for a 2% APR reduction each year if you pay on time and spend $1,000 by your next account anniversary.

While lowering your ongoing APR by 2% won’t add up to tremendous interest savings unless you have a huge balance or carry debt for a long time (after all, it can only drop as far as 12.99% variable), it’s a welcome perk, especially considering the card’s relatively short intro APR period.

You also won’t need to worry about an annual fee with the Chase Slate Edge card, so if you manage to pay off your balance during the promotional period, you’ll only owe the balance transfer fee.

Be sure to transfer in a timely manner, however, as the card’s balance transfer fee is 3% (or $5, whichever is higher) only for the first 60 days, after which it jumps to 5% (or $5, whichever is higher).

Card perks

Like most dedicated balance transfer and low interest credit cards, the Chase Slate Edge doesn’t offer a ton of ancillary benefits. Most noteworthy is the card’s clear guidance on how you can earn a credit line increase: You’ll automatically be eligible for a higher limit if you spend $500 in the first six months and make timely payments.

You’ll also get access to Chase’s digital credit tools like Credit Journey, which can help you keep tabs on your credit score, and My Chase Plan, the issuer’s take on a buy now, pay later service, which lets you split up the cost of a purchase and pay for it over time in set installments for a small fee. The latter perk could be particularly useful once you’ve finished paying off your debt, as it can help you keep your spending stay on track and avoid racking up another unwieldy balance.

How does the Chase Slate Edge card compare to other balance transfer cards?

While the Chase Slate Edge comes with several unique and compelling features that could save you money as you chip away at new purchases or transferred debt, its intro APR offer simply isn’t up to par with the offers you’ll find on the best balance transfer cards and even falls short compared to a number of cash back cards’ intro APR offers.


Citi Double Cash Card

Citi® Double Cash Card

U.S. Bank Visa Platinum

U.S. Bank Visa® Platinum Card

BankAmericard® credit card
Rewards rate

  • 1% cash back general purchases
  • 1% additional cash back as you pay for those purchases
Rewards rate


Rewards rate


Introductory period (balance transfers)

18 months (for balance transfers made within 4 months of opening account)

Introductory period (balance transfers)

20 billing cycles

Introductory period (balance transfers)

18 billing cycles (for balance transfers made within 60 days of opening account)

Introductory period (new purchases)


Introductory period (new purchases)

20 billing cycles

Introductory period (new purchases)

18 billing cycles

Regular APR

13.99%-23.99% (variable)

Regular APR

14.49%-24.49% (variable)

Regular APR

12.99% to 22.99% (variable)

Other things to know

  • Balance transfer fee of $5 or 3%, whichever is higher
  • World Elite Mastercard benefits
Other things to know

  • Balance transfer fee of $5 or 3% (whichever is higher)
  • Includes cellphone protection coverage, auto rental insurance and flexible payment plans
Other things to know

  • Balance transfer fee of $10 or 3% (whichever is higher)
  • Can earn modest cash back via the BankAmeriDeals card-linked offer program

Citi Double Cash Card

Not only is the Citi Double Cash one of the best flat-rate cash back cards on the market, but it also carries a terrific balance transfer offer. Along with the up to 2% cash back you can earn on all eligible purchases (1% when you buy, 1% when you pay off your purchase), you’ll get a 0% intro APR for 18 months on balance transfers (then 13.99% – 23.99% variable APR thereafter), beating the intro APR offer length on the Chase Slate Edge by six months. While the card lacks an intro APR on new purchases, its high everyday cash back rate means it should offer better long-term value than the Chase Slate Edge card.

U.S. Bank Visa Platinum Card

If your focus is getting as much time as possible to chip away at debt or finance new purchases while avoiding interest, the U.S. Bank Platinum Card should be at the top of your list. The card offers one of the longest – if not the longest – intro APR periods available on the market today. You’ll get 20 billing cycles to pay down debt or stretch out payments on purchases while paying no interest.

BankAmericard credit card

The BankAmericard also offers an impressively long 18-billing cycle 0% intro APR period on purchases and balance transfers made within the first 60 days, as well as a reasonable ongoing APR of 12.99% to 22.99% (variable). Bank of America also offers a number of top-tier cash back and travel rewards cards, which could give you some options should you decide to product change to a card with better long-term value once you’ve paid off your debt or larger purchases.

Who should get the Chase Slate Edge card?

  • Cardholders with less than $3,333 in debt who can afford to pay off their balance in 12 months or less (in this example, if you earned the limited-time bonus credit, you’d cover your balance transfer fee).
  • Cardholders who would welcome a product change to another Chase credit card after they tackle debt or finance new purchases with the Slate Edge.

How to use the Chase Slate Edge card

  • Spend at least $500 with the card (ideally on must-haves like groceries) within the first six months to secure the limited-time $100 bonus credit.
  • Spend at least $1,000 by your account anniversary and pay on time to be eligible for a 2% APR reduction each year.
  • Spend at least $500 in your first six months and pay on time to be eligible for a credit line increase, which will help your credit utilization.
  • Make sure you have a payoff plan in place before you apply for the card and balance transfer – you’ll only have 12 months to pay down your debt at a 0% APR, after which you’ll face an ongoing variable APR of 14.99% to 23.74%.

Is the Chase Slate Edge card worth it?

While the Chase Slate Edge card’s intro APR offer falls flat compared to those you’ll find on many competing low interest and balance transfer credit cards, it could be a great deal for the right cardholder. If you have a debt payoff plan in place and are confident you can make a big dent in your balance in your first 12 months as a cardholder, the Chase Slate Edge card could be one of your best options thanks to its limited-time bonus credit, which can help offset your balance transfer fee.


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