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304 North Cardinal St.
Dorchester Center, MA 02124
The Chase Slate Edge® Credit Card rewards cardholders who pay their bills on time, offering the chance of an increased credit limit after six months and at least $500 in spending, as well as a reduced interest rate – up to a two percentage-point reduction per year.
New account holders will also get a 0% introductory APR for the first 18 months on purchases and balance transfers. A variable APR of 20.49% to 29.24% applies to balance transfers and purchases after the introductory period ends. The card doesn’t charge an annual fee.
Because there are no rewards, there’s not much strategy to using this card other than practicing good credit habits: just pay your bill on time and try not to carry a large balance. Since those are the building blocks of strong credit, this card can be helpful if you need to build or rebuild credit. If you’re already a responsible credit user, you may want to choose another card that rewards you somehow.
The Chase Slate Edge® Credit Card has no bells and whistles other than encouraging you to make small purchases and pay on time. The incentive is an increased credit limit and a lower APR. It’s a good practice card, in that if you build strong credit habits, you can eventually graduate to a rewards or cash back card that offers additional value.
Dawn PapandreaContributor
The Chase Slate Edge® Credit Card does not offer a sign-up bonus.
The card doesn’t have a rewards program.
The information for the Citi Simplicity® Card and the BankAmericard® Credit Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.
U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.
Best in Balance Transfer Credit Cards
The information for the Citi Simplicity® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
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