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. |
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. This specific iteration of the card presents a significant contradiction to the Slate Edge's typical reputation as a go-to for balance transfers and introductory APRs. Its most critical drawbacks are the exceptionally high regular variable APR of 28.99%-29.99% with no introductory 0% APR period for purchases or balance transfers (APR Rating: 1.0/5.0), and the complete absence of any rewards program or sign-up bonus (Rewards Rating: 0.0/5.0). These two factors severely diminish its appeal and financial utility. While the card does offer a compelling $0 annual fee (Fees Rating: 4.2/5.0) and comes with the backing of Chase's strong reputation for customer service and security (Reputation Analysis: Generally positive for the brand, though this specific offering undermines the usual value proposition), these benefits are profoundly overshadowed. For its target audience of individuals with 'Fair Credit' who may be looking to build credit or manage existing debt, an immediate APR nearing 29% makes carrying any balance incredibly expensive and counterproductive to financial improvement. The lack of rewards means there's no incentive for everyday spending either. Although it includes valuable credit-building tools like Chase Credit Journey and automatic credit line reviews, along with standard protections (Zero Liability, Purchase Protection), these positives cannot compensate for the card's core financial limitations. The card's value proposition for credit building is severely compromised by the high cost of borrowing, making it a financially risky choice for anyone who cannot consistently pay their balance in full. Its limited utility makes it a poor choice compared to other credit-building cards that offer more competitive APRs or at least some form of rewards.
Pros & Cons
What's great
- No annual fee
- Low credit score requirement
- Credit building tools
- Purchase and extended warranty protection
- Flexible payment options
- Dining/delivery perks
Things to consider
- High regular APR
- No sign-up bonus
- No intro APR period
- No rewards
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.
- As a Chase cardmember, you'll be automatically checked for a credit line increase every 6 months or sooner.
- 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.
- 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.
- 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.
- 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. Chase Slate credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.