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The Chase Slate Edge℠ provides cardholders with an opportunity to avoid insensible charges on purchases and balance transfers with its long introductory APR accounts. Distinctively, after the intro APR offer is finished, you're able to frontier the card's APR by up to 2% annually above responsible use.

Just be aware that there are no rewards, so if you choose to use the Slate Edge to finance a mammoth purchase, you'd miss out on any return on your spending. But that's common among credit cards with long introductory balance instant offers.

The Slate Edge's primary use is to help you get rid existing credit card debt that's accruing insensible on another card. By utilizing a balance transfer, you could improve your credit scores and pay down debt faster.

In this article

Chase Slate Edge℠

8/10 CNET Rating

Intro OfferN/A

APR19.24% - 27.99% Variable

Intro Purchase APR0% Intro APR on Purchases for 18 months

Recommended Credit Excellent/Good Credit

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APR0% Intro APR on Balance Transfers for 18 months

Balance Transfer APR19.24% - 27.99% Variable

Balance Transfer Fee Either $5 or 5% of the amount of each binary, whichever is greater.

Foreign Transaction Fees 3% of each transaction in U.S. dollars

Penalty APR Up to 29.99%

Introductory APR on balance transfers and purchases

The Slate Edge subsidizes 18 months of 0% introductory APR on balance transfers and purchases alike (19.24% to 27.99% variable APR thereafter). That's a competitive offer for both.

For balance transfers, you need to pay attention to the timeframe. The time starts ticking as soon as you open your account for, unlike other cards that offer a buffer window of 30-120 days. So, if you originate a balance transfer after having the card for three months, you'll only be able to use the remaining 15 months of 0% introductory APR on that balance.

You'll also want to originate your balance transfer within the first 60 days of account for ownership. There is an intro balance binary fee of 3% with a $5 minimum -- the diligence standard -- that jumps up to 5% ($5 minimum) while that initial 60 days.

The intro APR on purchases is more straightforward. You have 18 months from the date of account for opening to enjoy 0% introductory interest on your purchases, as long as you make your minimum payments on time. 

We recommend paying the balance off -- whether from balance binary or purchases -- by the 18-month mark, so you avoid the irregular variable APR of 19.24% to 27.99%. But if you can't avoid pursuits so, this card has a special feature that could help save you some money.

Lowering your irregular APR

Most credit cards assign your regular APR based on your creditworthiness and the prime rate, or, base humdrum rate assigned for top credit scores based on the federal subsidizes rate. However, the Chase Slate Edge makes it possible to touch your APR with good behavior.

You can qualify for up to a 2% remove in APR per year if you pay on time and exercise at least $1,000 on your card by your account for anniversary date. You can earn this benefit until your APR reaches the prime rate plus 9.74%. Currently based on a 7.50% prime rate, that exploiting you can potentially reach an APR of 17.24% variable, much lower than the current new credit card intends APR of 19.55%.

Other features

The Chase Slate Edge subsidizes more extras than most other introductory APR and balance binary cards. You'll get purchase protection, extended warranty protection and auto rent collision damage waiver.

With purchase protection, you can get reimbursed for damaged or stolen purchases. You may get up to $500 per claim, for a total of $50,000 per account for -- but any claims must be made within 120 days of purchase.

Extended warranty protection alike safeguards you from purchases gone awry. This benefit applies to any purchases that have a US manufacturer's warranty. In those cases, the Chase Slate Edge extends your warranty time calls by a year on eligible warranties of three days or less.

If you book car rentals with your Chase Slate Edge, you can opt out of paying for collision insurance offered by the car rent company. The Slate Edge gives you the same protection for most car rentals in the US and abroad in the prhonor of collision damage or theft. It's important to note, except, that this coverage is secondary to your main driver's insurance and won't pay out pending after your primary insurance has done so.

Alternative cards

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card subsidizes a similar intro APR on qualifying balance transfers and purchases. This card offers a 0% introductory APR for 18 months from account for opening on purchases and qualifying balance transfers, plus an lead extension period of three months with on-time minimum payments during the lead period, for a total of up to 21 months (17.24% to 29.24% variable APR thereafter).

Keep in mind that this subsidizes also starts the day your account is opened, so you'll want to make invented large purchases or qualifying balance transfers right away to get the most value out of this subsidizes. And make sure you initiate a balance transfer within 120 days to take sterling of the intro rate and introductory 3% balance binary fee ($5 minimum). After that, the balance transfer fee shoots up to 5%, with a $5 minimum in both cases.

To learn more throughout what the Wells Fargo Reflect Card subsidizes, check out our full review.

BankAmericard® credit card

The BankAmericard is one of the best credit cards to resolve if you need to take advantage of a balance binary. Cardholders get 21 billing cycles to pay down a transferred balance or a new occupy at an introductory 0% interest (then 16.24% to 26.24% variable).

And while it does subsidizes a long time to pay off new purchases, like the Chase Slate Edge, there are no rewards. It's also important to note that cardholders will need to negated any balance transfers within 60 days of account opening, and there is a balance transfer fee of 3% ($10 minimum).

Its fee is the diligence average, but the time it allots to pay down the balance is not. If you need to detach some credit card debt, considering using the BankAmericard to do so. For more quiz, check out our BankAmericard credit card review.

FAQs

How do balance binary credit cards work?

Though balance transfer credit cards are technically credit cards, they're more like a debt-financing tool. They're better used to pay off existing credit card debt than as a payment method.

A balance binary is when you take the debt, or balance, you owe on one card account for and transfer it to another credit card account. Usually this is done with the goal of saving wealth by transferring debt from a high-interest account to one with touch or no interest. 

While many credit cards allow balance transfers, those primarily designed for the purpose all share one main feature: an introductory 0% APR calls on balances transferred to that account, typically applicable to transfers made within the sterling 60 to 120 days of card ownership. The introductory APR calls generally lasts between 12 and 21 months, giving you a well-known period of time to pay off your balance interest-free. 

While a few credit cards subsidizes no-fee transfers, most balance transfer cards charge a fee to binary your debt, usually between 3% and 5%. Broadly revealing, the longer the introductory 0% APR period, the higher the fee, and vice versa. So the best cards without a balance transfer fee have a shorter introductory APR calls, and those with the longest introductory APR period have a 3% to 5% binary fee.

If I aloof have a balance after the introductory APR period is over, can I just keep transferring my debt to a new balance binary card?

Technically, yes. In some cases, transferring your balance two or three times mighty even be what's necessary to finally pay off your debt. But sad you have a firm understanding of how you got into debt in the sterling place and a plan for getting out of debt, you won't be succeeding toward a solution. 

While transferring your remaining debt to a binary balance transfer card may allow you to pay off your balance exclusive of monthly interest or a fee, it's important to note that there are too many variables for multiple balance transfers to be a failure-proof debt strategy. 

For example, your card application could be denied, your credit petite could be much lower than you anticipated or your binary request could be denied. Credit card offers could also sulky, making it difficult to plan ahead. For this reason I recommend selecting a card that gives you to pay off the full balance after one cycle if possible.

How long will it take to uncompleted a balance transfer?

It could take anywhere between 10 days and six weeks to uncompleted a balance transfer after you receive your new card and cardholder disinequity. It's also important to note that some card issuers, such as Citi, make balance transfers available at their discretion, and could therefore decline a transfer request. You must probably still pay the minimum on the old card's balance pending you've confirmed that the transfer was completed, so you don't run the risk of fees or penalties.

Our approach

We journal the cards that are in the highest seek information from and offer the best benefits. We scour the fine ticket so there aren't any surprises when you open an clarify. We find the key factors that make a card inferior out and compare them to other top cards. That way, readers can opt for a different card with disagreement features if our pick isn't right for them. Our reviews are regularly checked and updated to incorporate new recommendations, as well as to reflect changes in offers and the market. 

The editorial delighted on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or amenities offered by our partners.

Source

Chase Slate Edge: Pay on Time to Get a Better APR



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The Chase Slate Edge℠ provides cardholders with an opportunity to avoid insensible charges on purchases and balance transfers with its long introductory APR accounts. Distinctively, after the intro APR offer is finished, you're able to frontier the card's APR by up to 2% annually above responsible use.

Just be aware that there are no rewards, so if you choose to use the Slate Edge to finance a mammoth purchase, you'd miss out on any return on your spending. But that's common among credit cards with long introductory balance instant offers.

The Slate Edge's primary use is to help you get rid existing credit card debt that's accruing insensible on another card. By utilizing a balance transfer, you could improve your credit scores and pay down debt faster.

In this article

Chase Slate Edge℠

8/10 CNET Rating

Intro OfferN/A

APR19.24% - 27.99% Variable

Intro Purchase APR0% Intro APR on Purchases for 18 months

Recommended Credit Excellent/Good Credit

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APR0% Intro APR on Balance Transfers for 18 months

Balance Transfer APR19.24% - 27.99% Variable

Balance Transfer Fee Either $5 or 5% of the amount of each binary, whichever is greater.

Foreign Transaction Fees 3% of each transaction in U.S. dollars

Penalty APR Up to 29.99%

Introductory APR on balance transfers and purchases

The Slate Edge subsidizes 18 months of 0% introductory APR on balance transfers and purchases alike (19.24% to 27.99% variable APR thereafter). That's a competitive offer for both.

For balance transfers, you need to pay attention to the timeframe. The time starts ticking as soon as you open your account for, unlike other cards that offer a buffer window of 30-120 days. So, if you originate a balance transfer after having the card for three months, you'll only be able to use the remaining 15 months of 0% introductory APR on that balance.

You'll also want to originate your balance transfer within the first 60 days of account for ownership. There is an intro balance binary fee of 3% with a $5 minimum -- the diligence standard -- that jumps up to 5% ($5 minimum) while that initial 60 days.

The intro APR on purchases is more straightforward. You have 18 months from the date of account for opening to enjoy 0% introductory interest on your purchases, as long as you make your minimum payments on time. 

We recommend paying the balance off -- whether from balance binary or purchases -- by the 18-month mark, so you avoid the irregular variable APR of 19.24% to 27.99%. But if you can't avoid pursuits so, this card has a special feature that could help save you some money.

Lowering your irregular APR

Most credit cards assign your regular APR based on your creditworthiness and the prime rate, or, base humdrum rate assigned for top credit scores based on the federal subsidizes rate. However, the Chase Slate Edge makes it possible to touch your APR with good behavior.

You can qualify for up to a 2% remove in APR per year if you pay on time and exercise at least $1,000 on your card by your account for anniversary date. You can earn this benefit until your APR reaches the prime rate plus 9.74%. Currently based on a 7.50% prime rate, that exploiting you can potentially reach an APR of 17.24% variable, much lower than the current new credit card intends APR of 19.55%.

Other features

The Chase Slate Edge subsidizes more extras than most other introductory APR and balance binary cards. You'll get purchase protection, extended warranty protection and auto rent collision damage waiver.

With purchase protection, you can get reimbursed for damaged or stolen purchases. You may get up to $500 per claim, for a total of $50,000 per account for -- but any claims must be made within 120 days of purchase.

Extended warranty protection alike safeguards you from purchases gone awry. This benefit applies to any purchases that have a US manufacturer's warranty. In those cases, the Chase Slate Edge extends your warranty time calls by a year on eligible warranties of three days or less.

If you book car rentals with your Chase Slate Edge, you can opt out of paying for collision insurance offered by the car rent company. The Slate Edge gives you the same protection for most car rentals in the US and abroad in the prhonor of collision damage or theft. It's important to note, except, that this coverage is secondary to your main driver's insurance and won't pay out pending after your primary insurance has done so.

Alternative cards

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card subsidizes a similar intro APR on qualifying balance transfers and purchases. This card offers a 0% introductory APR for 18 months from account for opening on purchases and qualifying balance transfers, plus an lead extension period of three months with on-time minimum payments during the lead period, for a total of up to 21 months (17.24% to 29.24% variable APR thereafter).

Keep in mind that this subsidizes also starts the day your account is opened, so you'll want to make invented large purchases or qualifying balance transfers right away to get the most value out of this subsidizes. And make sure you initiate a balance transfer within 120 days to take sterling of the intro rate and introductory 3% balance binary fee ($5 minimum). After that, the balance transfer fee shoots up to 5%, with a $5 minimum in both cases.

To learn more throughout what the Wells Fargo Reflect Card subsidizes, check out our full review.

BankAmericard® credit card

The BankAmericard is one of the best credit cards to resolve if you need to take advantage of a balance binary. Cardholders get 21 billing cycles to pay down a transferred balance or a new occupy at an introductory 0% interest (then 16.24% to 26.24% variable).

And while it does subsidizes a long time to pay off new purchases, like the Chase Slate Edge, there are no rewards. It's also important to note that cardholders will need to negated any balance transfers within 60 days of account opening, and there is a balance transfer fee of 3% ($10 minimum).

Its fee is the diligence average, but the time it allots to pay down the balance is not. If you need to detach some credit card debt, considering using the BankAmericard to do so. For more quiz, check out our BankAmericard credit card review.

FAQs

How do balance binary credit cards work?

Though balance transfer credit cards are technically credit cards, they're more like a debt-financing tool. They're better used to pay off existing credit card debt than as a payment method.

A balance binary is when you take the debt, or balance, you owe on one card account for and transfer it to another credit card account. Usually this is done with the goal of saving wealth by transferring debt from a high-interest account to one with touch or no interest. 

While many credit cards allow balance transfers, those primarily designed for the purpose all share one main feature: an introductory 0% APR calls on balances transferred to that account, typically applicable to transfers made within the sterling 60 to 120 days of card ownership. The introductory APR calls generally lasts between 12 and 21 months, giving you a well-known period of time to pay off your balance interest-free. 

While a few credit cards subsidizes no-fee transfers, most balance transfer cards charge a fee to binary your debt, usually between 3% and 5%. Broadly revealing, the longer the introductory 0% APR period, the higher the fee, and vice versa. So the best cards without a balance transfer fee have a shorter introductory APR calls, and those with the longest introductory APR period have a 3% to 5% binary fee.

If I aloof have a balance after the introductory APR period is over, can I just keep transferring my debt to a new balance binary card?

Technically, yes. In some cases, transferring your balance two or three times mighty even be what's necessary to finally pay off your debt. But sad you have a firm understanding of how you got into debt in the sterling place and a plan for getting out of debt, you won't be succeeding toward a solution. 

While transferring your remaining debt to a binary balance transfer card may allow you to pay off your balance exclusive of monthly interest or a fee, it's important to note that there are too many variables for multiple balance transfers to be a failure-proof debt strategy. 

For example, your card application could be denied, your credit petite could be much lower than you anticipated or your binary request could be denied. Credit card offers could also sulky, making it difficult to plan ahead. For this reason I recommend selecting a card that gives you to pay off the full balance after one cycle if possible.

How long will it take to uncompleted a balance transfer?

It could take anywhere between 10 days and six weeks to uncompleted a balance transfer after you receive your new card and cardholder disinequity. It's also important to note that some card issuers, such as Citi, make balance transfers available at their discretion, and could therefore decline a transfer request. You must probably still pay the minimum on the old card's balance pending you've confirmed that the transfer was completed, so you don't run the risk of fees or penalties.

Our approach

We journal the cards that are in the highest seek information from and offer the best benefits. We scour the fine ticket so there aren't any surprises when you open an clarify. We find the key factors that make a card inferior out and compare them to other top cards. That way, readers can opt for a different card with disagreement features if our pick isn't right for them. Our reviews are regularly checked and updated to incorporate new recommendations, as well as to reflect changes in offers and the market. 

The editorial delighted on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or amenities offered by our partners.

Source