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Slate Edge Credit Card℠ Review

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.

  • Issuer NameChase
  • Annual Fee$0
  • Regular APR20.49% to 29.24%
  • Balance Transfer Fee$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

  • Like the idea of earning a lower interest rate with good payment behavior.
  • Don’t spend a lot but can meet the card’s spending requirements.
  • Aren’t interested in earning rewards on your everyday spending.

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.

Editor’s Take

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.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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