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Chase Slate Edge®, a personal credit card, can be used by business owners without any business credit score. On top of the 0% introductory period on both purchases and balance transfers for the first 18 billing cycles, it has a $0 annual fee, and your large purchases can be split into monthly installments with Chase Pay Over Time. You can also get an automatic review for a higher credit limit when you pay on time and spend $500 within the first six months of card owxnership.
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| Intro APR | 0% Intro APR on Purchases |
|---|---|
| Regular APR | 19.99% to 28.74% variable |
| Annual Fee | $0 |
| Credit Needed | Good to Excellent |
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When evaluating a personal credit card for business like the Chase Slate Edge® Credit Card, we first consider the introductory and ongoing APRs. Then, we check if it offers introductory and ongoing rewards and its standout features, such as purchase protection and extended warranty.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Introductory APR | 35 | 35 |
| Ongoing APR | 30 | 35 |
| Features | 10 | 10 |
| Introductory Rewards | 0 | 10 |
| Ongoing Rewards | 0 | 10 |
| Total Score | 75 | 100 |
Who the Chase Slate Edge® Credit Card Is Best For
- Those intending to make large purchases or transfer a significant balance: Despite it being a personal credit card, it offers a 0% introductory period for both purchases and balance transfers for the first 18 billing cycles.
See
below if this card isn’t the best fit for your business.
Chase Slate Edge® Credit Card Rewards
Chase Slate Edge® Credit Card doesn’t offer any rewards for its new and current cardholders.
Chase Slate Edge® Credit Card Features
Service & Protection
- Purchase protection: Get coverage for your new purchases against damage or theft, up to $500 per claim and $50,000 per account, for 120 days.
- Extended warranty protection: Extend the period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
- Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Note that coverage is provided for theft and collision damage for most cars in the US and abroad and that in the US, coverage is secondary to your personal insurance.
- Zero liability protection: Call the number on the back of your card in the event of an unauthorized charge. Chase will not hold you responsible for unauthorized charges made with both your card and account information.
- Fraud alerts and protection: Get real-time fraud monitoring for possible signs of fraudulent activity. In the event of unusual activity, Chase will notify you via phone, text, or email.
- Roadside dispatch: Call 800-847-2869 at any time to get the help you need—from towing, jump-starting, and changing tires to getting a lockout service, gas, and winching. Note that roadside service fees will be provided when you call and are billed to your card.
Partner Benefits
- Complimentary DashPassDashpass members get up to $10 off quarterly on non-restaurant DoorDash orders. : Get three months of DashPass, DoorDash’s membership that provides unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar (note that you must activate this on or before January 31, 2025). After three months, you’ve enrolled automatically in DashPass at 50% off for the next nine months.
Account Management
- Chase Pay Over TimeSM: Break up eligible credit card purchases into manageable payments. These can be done in two ways:
- After purchase—pay off eligible purchases of $100 or more in smaller, equal monthly payments with no interest.
- At checkout—create a payment plan at checkout on Amazon.com for purchases of $50 or more.
Lower Interest Rate by 2% Each Year
You can also be eligible to lower your interest rate by 2% each year when you pay on time and spend at least $1,000 on your card by your next account anniversary until your APR reaches the prime rate plus 9.74% (currently 17.74% variable APR based on the prime rate of 8.00% as of September 24, 2024). Your final APR reduction could be less than 2%, depending on the APR you receive with your card.
Chase Slate Edge® Credit Card Fees
APR
- Introductory: 0% APR on purchases and balance transfers for the first 18 billing cycles
- Ongoing: 19.99% to 28.74% variable, which will adjust with the prime rate
- Balance transfer: 19.99% to 28.74% variable, which will adjust with the prime rate
- My Chase LoanSM: 19.99% to 28.74% variable, which will adjust with the prime rate
- Cash advance: 29.74% variable, which will adjust with the prime rate
- Penalty: Up to 29.99% variable, which will adjust with the prime rate. This will be applied to your account indefinitely if you do one of the following:
- Failed to make a minimum payment by the date and time that it’s due
- Made a payment that’s returned unpaid
Fees
- Annual: $0
- Chase Pay Over Time Fee (formerly My Chase Plan; fixed financed charge): Intro monthly fee of 0% of the amount of each eligible purchase transaction shall be applied during the first 18 billing cycles. Then, a monthly fee of 1.72% of the amount of each eligible transaction or amount selected to create a Chase Pay Over Time shall be applied.
- Balance transfer: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, within 60 days of account opening. After, either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign transaction: 3% of the amount of each transaction in U.S. dollars
- Late and return payment: Up to $40
- Over-the-credit-limit and returned check: $0
Your due date is at least 21 days after the close of each billing cycle.
- Online or mobile app: Log in to your account, then select “Pay card.” Follow the prompts.
- Phone: Call the automated phone service at 800-436-7958.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
- In-person: Go to the nearest Chase ATM or branch during normal business hours.
Chase Slate Edge® Credit Card Alternatives
Discover it® Cash Back Credit Card
| Intro APR | 0% |
|---|---|
| Regular APR | 18.24% to 28.24% variable |
| Annual Fee | $0 |
| Credit Needed | Good - Excellent |
If you are looking for an alternative personal credit card for business from the same issuer, we recommend the Discover it® Cash Back Credit Card. This card offers a long 0% introductory period on purchases and balance transfers and lets you earn up to 5% cash back on purchases—which you can redeem as a statement credit, an electronic deposit to a linked account, gift cards, and more.
Ramp Credit Card
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
Ramp Credit Card is a viable alternative card if you are looking for a corporate charge card that lets you earn fixed-rate cash back rewards on all purchases. This card also offers a robust expense management system, making it easier to keep track of business expenses.
Emburse Spend Card
 Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
|---|---|
| Spending Limit | Load Limit |
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| Costs | |
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| Read our review of the Emburse Spend Card | Apply Now |
Consider the Emburse Spend Card if you do not want to incur debt and earn unlimited cash back rewards at the same time. This card also lets you monitor real-time transactions through Emburse Spend and create unlimited virtual and physical cards at no additional cost.
Frequently Asked Questions (FAQs)
Chase Slate Edge® is best known for providing a long 0% introductory period on both purchases and balance transfers. On the other hand, both the Chase Sapphire and Chase Sapphire Reserve are travel credit cards that provide enticing rewards, needed card protection, and travel perks.
Chase Bank does not have a physical location in Alaska or Hawaii.
Yes, it is difficult to qualify for the Chase Slate Edge® as it requires at least good personal credit standing. Note that your chances of getting the card will increase if you have a personal credit score of 700 and/or a steady source of income.
Bottom Line
Chase Slate Edge® Credit Card is a great personal credit card for business owners who don’t have any business credit score and need a credit card to use for large purchases. It offers an interest-free financing option of 0% on purchases and balance transfers for the first 18 billing cycles and doesn’t charge any annual fees. Additionally, you can reduce your interest rate by 2% when you pay on time and spend at least $1,000 on your card by your next account anniversary.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
