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Offers for the Chase Slate®, Chase Slate Edge℠ and Chase Freedom Rise® are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
The Chase Slate Edge℠ is meant to help build or rebuild credit. With benefits like an introductory interest rate and automatic consideration for a 2% APR reduction each year, it's a card that rewards you for building and keeping good credit habits. Unlike other cards for those with Fair credit, the Chase Slate Edge also comes with perks such as complimentary DashPash, as well as purchase protection and extended warranty protection. It also comes with a welcome bonus for new applicants, which isn't common among its competitors.
Here's everything you need to know about the Chase Slate Edge to help you decide if this is the right card for you.
Page Contents
Chase Slate Edge Pros
- No annual fee.
- Lengthy introductory 0% interest offer.
- Automatic consideration for reduced APR (interest rate) plus automatic consideration for credit limit increase.
Chase Slate Edge Cons
- Foreign transaction fee for purchases outside the U.S. is 3% of each transaction in U.S. dollars
- Does not earn any points or cash back on daily spending.
Chase Slate Edge Welcome Offer
Chase Slate Edge applicants won't find a traditional credit card sign-up bonus here — nothing like “spend x amount of money and get a cash bonus.” Instead, the offer for new applicants is centered around saving money through reduced interest rates over an extended period and automatic reviews for a higher credit limit after meeting certain criteria. More details on those elements in the card benefits section below.
Related: The Best Cash Back Credit Cards
Chase Slate Edge Card Benefits
0% introductory APR offer
New applicants for the Chase Slate Edge can take advantage of 0% Intro APR on Purchases for 18 months and 0% Intro APR on Balance Transfers for 18 months. That's several months longer than most 0% introductory APR offers on the market. A balance transfer fee applies, however: Either $10 or 5% of the amount of each transaction, whichever is greater.. After the introductory period, you'll have a Variable APR of 20.49% - 29.24%.
While you should always pay your credit card in full every month if possible, introductory offers like this can help you finance large purchases or reduce existing credit card debt by saving on interest as you pay off the balance. Just ensure you have a plan for paying off these charges by the time the introductory period ends.
Related: The Best Credit Cards With No Annual Fee and 0% Introductory APR
Lower your interest rate each year
If you spend at least $1,000 on your Chase Slate Edge by your account anniversary each year, you'll be automatically considered for a 2% lower APR. This will continue each year until your APR reaches the Prime Rate plus 9.74%. This is another method for saving money on interest.
Related: A Beginner's Guide to Building Healthy Credit
Chase Credit Journey
Chase Slate Edge cardmembers also have access to Chase Credit Journey, a tool that lets you monitor your credit score and track improvements. Chase Credit Journey helps you improve your credit score by providing tips and information about factors that affect your score. It also provides identity monitoring to protect you on the internet. Fraud monitoring happens in the background 24/7 and lets you know about any suspicious purchases made with your card by text, email, or phone call.
Complimentary DashPass
Receive a complimentary six-month DoorDash DashPass membership with no delivery fees and reduced service fees on eligible orders at both DoorDash and Caviar. This offer must be activated by December 31, 2027.
Purchase protection and extended warranty
Get purchase protection on new purchases for 120 days against damage or theft — valid up to $500 per claim and $50,000 per account when you use your Chase Slate Edge on eligible purchases. The card also extends the U.S. manufacturer's warranty for one additional year on eligible warranties of three years or less.
Related: The Best Credit Cards for Extended Warranty Coverage
Auto rental collision damage waiver
The Chase Slate Edge provides car rental coverage against theft or collision damage for most cars in the U.S. and abroad. This coverage is secondary to your personal auto insurance within the U.S. Decline the rental car company's protection and pay with your card to activate this benefit.
Chase Slate Edge Earning Rates
The Chase Slate Edge does not earn cash back or travel rewards. Instead, you'll get automatic reviews for a higher credit limit when you spend $500 on your new card in the first six months. The advantage of this card is that it helps to build or rebuild credit.
Related: Tips for Managing Your Credit Score
Redeeming Rewards With the Chase Slate Edge
Unfortunately, there are no cash back or travel rewards to redeem with the Chase Slate Edge.
Application Restrictions
Before applying for any Chase credit card, it's important to understand Chase's 5/24 rule, which states that you won't be approved for a Chase credit card if you have opened more than five new credit cards in the last 24 months. You can check your Chase 5/24 status if you're unsure where you stand.
Chase doesn't have any written rules about how many of its credit cards you can hold at once, though the issuer likely will limit how much credit (relative to your income) it will extend to you. Lastly, Chase is unlikely to approve you for more than two of its personal credit cards in a 30-day period.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the Chase Slate Edge
- 1.5% cash back on every purchase
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
- 1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
- If you want to earn cash-back rewards while rebuilding your credit, consider the Chase Freedom Rise®. The Freedom Rise earns 1.5% cash back on every purchase and has no annual fee. If this is your first credit card, you can increase your approval odds by having at least $250 in Chase checking or savings accounts at the time of application. In addition to evaluations for credit limit increases every six months, you'll also receive $25 when you enroll in automatic payments within the first three months. This card does charge foreign transaction fees: 3% of the amount of each transaction in U.S. dollars. Learn more in our Chase Freedom Rise review.
- If you want a credit card that earns cash back and other perks, check out the Capital One QuicksilverOne Cash Rewards Credit Card. Capital One advertises that you only need a Fair credit score to apply for the Capital One QuicksilverOne, and you'll earn unlimited 1.5% cash back on every purchase. The card comes with a $39 annual fee, security and fraud alerts, credit monitoring, and access to Capital One Travel. Our Capital One QuicksilverOne review can tell you more.
- If you want a lengthy introductory APR plus 5% cash back, the Citi Custom Cash® Card might be for you. This card has no annual fee and earns automatic 5% cash back in your top spending category each billing cycle, up to the first $500 spent ( 1% cash back thereafter). It's available to those with Fair credit and also comes with lengthy introductory APR offers to help you save money on balance transfers and new purchases. You can find out more in our Citi Custom Cash review.
Related: The Best Cash-Back Credit Card Offers for Every Budget
Bottom Line
The Chase Slate Edge is a good card for those hoping to build or repair credit. There aren't any cash back or travel rewards, but that's the point. Getting a lengthy introductory APR on purchases and balance transfers helps cardmembers focus on building good credit card habits. In turn, you'll be rewarded for paying your bill on time and taking care of your credit with automatic APR reductions each year and credit limit increase considerations every six months.
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