Chase
Slate Edge® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | No rewards |
| Regular APR | 28.99Min. of (6.75+22.24) and 29.99% variable APR. |
| Other Fees | Roadside service fees will be billed to your card at time of dispatch. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. |
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 it possesses some foundational strengths, its significant drawbacks in core areas severely limit its appeal and financial utility, particularly for its intended audience. The card's primary strength lies in its $0 annual fee (Fees Rating: 4.2/5.0), making it an accessible option without a recurring cost. It also offers valuable credit-building tools, such as Chase Credit Journey and automatic credit line reviews every six months, alongside standard purchase and travel protections (e.g., Purchase Protection, Extended Warranty, Zero Liability). For someone diligently paying their balance in full each month, these features could make it a reasonable tool for establishing or improving credit. The 'Good' reputation of Chase as an issuer also provides a level of trust (Reputation Rating: 4.0/5.0). However, the card is severely hampered by two critical weaknesses: 1. **Punitive APR Structure (APR Rating: 1.0/5.0):** This specific iteration of the Chase Slate Edge® Credit Card features a very high regular variable APR of 28.99%-29.99%. Crucially, it *lacks any introductory 0% APR period for purchases or balance transfers*. This is a significant deviation from what the Slate Edge is often known for, and it drastically diminishes its value proposition. For a card targeting individuals with 'Fair Credit' who may be looking to manage debt or build credit, this exceptionally high and immediate interest rate makes carrying a balance incredibly expensive and financially risky, potentially undermining their credit-building efforts. 2. **Non-existent Rewards (Rewards Rating: 0.0/5.0):** The card offers no rewards program whatsoever, nor does it include a sign-up bonus. In a competitive market where even basic no-annual-fee cards provide at least 1% cash back, this complete absence of earning potential provides no incentive for everyday spending. In summary, while the $0 annual fee and credit-building resources are positive, they are profoundly overshadowed by the card's prohibitive regular APR (without an intro period) and complete lack of rewards. The high cost of carrying a balance makes this card a financially risky choice for anyone who cannot consistently pay in full, pushing its overall value into the 'Poor' range despite the issuer's strong reputation and the presence of basic protections. The card's value proposition for its target audience is severely compromised by these financial limitations.
Pros & Cons
What's great
- No annual fee
- Credit building tools
- Purchase and fraud protection
- Accessible for fair credit
- Flexible payment options
- DashPass benefits
Things to consider
- High regular APR
- No sign-up bonus
- No rewards
- No intro APR period
What this card offers
Other features
- No Annual Fee
- Enroll in Chase Credit Journey®, a free credit building tool
- Receive personalized plans from Experian™ to help enhance your score. Monitor your credit score anytime without affecting it and explore features that show you how to improve your score. No Chase account required.
- Get more purchasing power
- As a Chase cardmember, you'll be automatically checked for a credit line increase every 6 months or sooner.
- Zero Liability Protection
- 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.
- 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.
Additional Notes
Best for Fair Credit customers.