Chase
Slate Edge® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | No rewards |
| Regular APR | 28.99% variable APR. |
| Other Fees | Roadside service fees will be billed to your card at time of dispatch. After that, you are automatically enrolled in DashPass at the current monthly rate. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months. |
About this card
The Chase Slate Edge® Credit Card receives an overall rating of 1.8 out of 5.0, placing it in the 'Poor' category. While the card offers some valuable features, particularly for its target audience of individuals with fair credit looking to build their history, its significant drawbacks in core areas severely limit its appeal and financial utility. The primary strength of this card is its $0 annual fee (Fees Rating: 4.2/5.0), making it an accessible option without a recurring cost. It also provides useful credit-building tools like Chase Credit Journey and automatic credit line reviews, alongside standard purchase and travel protections. For someone diligently paying their balance in full each month, these features, combined with no annual fee, could make it a reasonable credit-building tool. However, the card suffers from two critical weaknesses that heavily drag down its overall score: 1. **Non-existent Rewards (Rewards Rating: 0/5.0):** The card offers no rewards program or sign-up bonus whatsoever. In a market where even basic no-annual-fee cards offer at least 1% cash back, this is a significant disadvantage, providing no incentive for everyday spending. 2. **Poor APR Structure (APR Rating: 1.5/5.0):** Crucially, based on the provided card details and APR rating explanation, this specific iteration of the Chase Slate Edge® Credit Card *does not* offer an introductory 0% APR on purchases or balance transfers. This contradicts the common market perception of the Slate Edge as a premier balance transfer card. Instead, it features a very high regular variable APR of 28.99%. For a card aimed at individuals with 'Fair Credit' who may need to carry a balance, this rate is exceptionally punitive, making any carried debt very expensive and potentially undermining credit-building efforts. The absence of an introductory APR eliminates its primary reputed value proposition for debt management. In summary, while the $0 annual fee and credit-building resources are positive, they are profoundly overshadowed by the complete lack of rewards and a prohibitive regular APR, especially without the benefit of an introductory interest-free period. This makes the card a financially risky option for anyone who anticipates carrying a balance, pushing its overall value into the 'Poor' range.
Pros & Cons
What's great
- No annual fee
- Low credit score requirement
- Credit building tools and resources
- Purchase and travel protections
- Flexible payment options
Things to consider
- High regular APR
- No sign-up bonus
- No rewards
- Foreign transaction fees apply
What this card offers
Other features
- No Annual Fee
- Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card. If you see an unauthorized charge, simply call the number on the back of your card.
- Enroll in Chase Credit Journey®, a free credit building tool
- Receive personalized plans from ExperianTM to help enhance your score. Monitor your credit score anytime without affecting it and explore features that show how to improve your score. Users who successfully achieve their plan goal improve their score by an average of 35 points or more. No Chase account required.
- As a Chase cardmember, you'll be automatically checked for a credit line increase every 6 months or sooner.
- Guide to Benefits (see your purchase and travel protection benefit details)
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- 24/7 Fraud Monitoring We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Embedded Chip A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.
- Auto Rental Coverage Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- Roadside Assistance If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
- Apply for a card, use it the same day Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- The best of your neighborhood. $0 delivery fee. Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Eligible Chase credit card customers are targeted with cash back offers in the Chase Mobile app or on chase.com. Customers can activate an offer on a card, shop at the merchant with the same card and receive a statement credit within 14 business days.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- After purchase: Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months.
- At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
Additional Notes
Best for Fair Credit customers. Help improve your credit score by using your card responsibly, with no annual fee. Fair Credit generally refers to a credit profile with some past challenges or areas for improvement. It may include individuals rebuilding their credit history or those newer to credit and establishing history. These are only guidelines to help you narrow your selection, additional factors from your application and credit history will also be considered. Specific limitations apply to New York residents: Purchase Protection – coverage period is 90 days from the date of purchase.