While Chase discontinued the original Chase Slate in 2020, the bank has since introduced two refreshed versions geared to different consumers.
November 8, 2026
Chase pulled the original Slate card from its lineup in 2020 and replaced it with the Chase Slate Edge℠ a year later. The first version of the Chase Slate Edge℠ came with an intro APR offer, but today's version is a different product. The Chase Slate Edge℠ you'll find in 2026 has no annual fee and is designed to help cardholders build credit, but it doesn't come with an intro APR offer on purchases or balance transfers.
The timeline gets even more fuzzy from here. After all, Chase reintroduced the Chase Slate® again in 2026 with a lengthy intro APR offer for purchases and balance transfers.
That creates a problem when you search for "Chase Slate" today. Much of what you’ll find was written before the 2026 relaunch. Some articles describe the original Slate, others describe the Chase Slate Edge℠ and some confuse the two cards entirely.
That's why this guide on the current Chase Slate® vs. Chase Slate Edge℠ exists. Read on to learn what each card actually is, what changed and which Chase Slate card you can apply for today.
Before 2020: Chase Slate was the issuer's plain-vanilla, no-annual-fee balance transfer card. No rewards, no frills, just a 0% intro APR window.
2020: Chase discontinued the original Slate card.
2021: Chase launched the Chase Slate Edge℠ as its replacement. The original version had an intro APR and an ongoing interest rate that could decrease over time with on-time payments. Those features have since been removed, and the current card is positioned around credit building for people with fair credit.
Early 2026: Chase reintroduced the Slate name on a new card built for balance transfers, the Chase Slate®, with 0% Intro APR for 21 months on Purchases on purchases and 21 months on Balance Transfers on balance transfers. The relaunched card doesn't carry over the APR-reduction feature the original Chase Slate Edge℠ had.
Both cards currently have live application pages on Chase's site, but they're built for consumers with very different goals. That's the part most existing coverage online gets wrong or leaves out.
Chase Slate® | Chase Slate Edge℠ | |
|---|---|---|
Best for | Balance transfers and interest-free breathing room | Building or repairing credit |
Annual fee | $0 | $0 |
Intro APR | 0% Intro APR for 21 months on Purchases on purchases and 21 months on Balance Transfers on balance transfers | None currently advertised |
Ongoing APR (variable) | 18.24% - 28.24% Variable on purchases; 18.24% - 28.24% Variable on balance transfers | 29.24% variable |
Rewards | None | None |
Credit profile Chase targets | Good to excellent credit (690-850 (Good to Excellent)) | Fair credit |
Credit line reviews | Automatic review every 6 months or sooner | Automatic review every 6 months or sooner |
Shared perks | Zero Liability Protection, free Chase Credit Journey score monitoring, 6 months of complimentary DashPass (activate by 12/31/2029) | Zero Liability Protection, free Chase Credit Journey score monitoring, 6 months of complimentary DashPass (activate by 12/31/2027) |
Rates & fees | See Rates and Fees |
Source: Chase's official product pages for the Chase Slate® and Chase Slate Edge℠, as of November 2026. Rates and offers change, so confirm current terms before applying.
As the table shows, the current Chase Slate® is built around its intro APR, while the Chase Slate Edge℠ is built to help a thin or damaged credit file grow into something stronger. Neither card earns rewards, and neither charges an annual fee, the one thing that has stayed constant through every version of these cards. For a deeper look at the balance transfer card, see our full Chase Slate® review.
You can technically apply for either card, but they're built for different situations, so most people will only be a fit for one.
The Chase Slate® is for debt consolidation. If you want 0% Intro APR to consolidate existing debt or pay down a large purchase interest-free for a limited time, the Chase Slate® is the card you're looking for.
The Chase Slate Edge℠ is for credit building. If your credit needs work and you want a straightforward card that reports to the major credit bureaus and reviews you for a credit line increase every six months, the Chase Slate Edge℠ is the better match.
If you're carrying a balance on a higher-interest credit card and you have a good credit score, the Chase Slate® is the more useful tool. Getting 0% intro APR for 21 months on Balance Transfers on balance transfers can save you hundreds, or even thousands, of dollars in interest if you pay off the debt before the intro offer ends. If you've never moved a balance before, our guide on how to do a balance transfer walks through the steps.
If your score is in the fair range, roughly 580 to 669 on the FICO scale, you're more likely to be a fit for the Chase Slate Edge℠. While it doesn't have an intro APR, using it responsibly can help you build the credit you'd need to qualify for a card like the Chase Slate® down the line. Our guide to building credit responsibly covers the habits that matter most.
If you're not sure where you stand, check your credit score before you apply. Chase Credit Journey is free and doesn't require you to be a Chase customer, and it's a quick way to see whether you're closer to a Chase Slate® or a Chase Slate Edge℠ applicant.
Paying the minimum during the promotional period: According to Nick Avila of United Debt Relief, too many people pay as little as possible during the promotional period and fail to pay down enough debt as a result.
Running up a balance on the new card: Lending expert Kyle Enright of Achieve says too many people open a balance transfer or credit-building card and run up the balance with new purchases without a plan to pay them off. "Making new charges on the card after transferring your balance can be enticing," he says. "Instead, store the card in a safe place so you are not tempted to use it."
Not solving the core issues: Debt attorney Leslie Tayne of Tayne Law Group says it's crucial to be honest about what led to the debt or credit problems in the first place, whether it was a financial emergency or overspending. "If the root issue isn't addressed, it's likely they will end up in the same position again," she explains. "I see this often in my work as a debt attorney of 25 years."
The minimum is not calibrated to clear your balance before the window closes. Anyone paying it is guaranteed a leftover balance at the standard rate, which is the outcome the transfer was supposed to prevent.
Is the Chase Slate® still available in 2026?
Yes. Chase discontinued the original Slate card in 2020 and brought it back in early 2026 as the Chase Slate® with a new offer: 0% Intro APR for 21 months on Purchases on purchases and 21 months on Balance Transfers on balance transfers, plus an annual fee of $0.
Is the Chase Slate Edge℠ the same card as the Chase Slate®?
No. They're two separate cards that happen to share a name. The Chase Slate Edge℠ launched in 2021 and is now positioned as a credit-building card for fair credit applicants. It remains available on Chase's site alongside the relaunched Chase Slate®.
What happened to the Chase Slate Edge℠ declining APR feature?
The earlier version of the Chase Slate Edge℠ let cardholders lower their ongoing APR with on-time payments. The relaunched Chase Slate® doesn't include this feature, and Chase's current Chase Slate Edge℠ product page doesn't advertise it either.
Do I need good credit to get the Chase Slate®?
Chase geared the relaunched Chase Slate® to applicants with good to excellent credit, with a recommended score of 690-850 (Good to Excellent). If your credit needs some work, the Chase Slate Edge℠ is the card Chase built for that instead.
Chase Slate® official product page: current APR, fees and offer terms
Chase Slate Edge℠ official product page: current APR, fees and target credit profile
Household Debt and Credit Report, Q2 2026, Federal Reserve Bank of New York
Nick Avila, founder of United Debt Relief
Kyle Enright, president of lending at Achieve
Leslie Tayne, founder of Tayne Law Group
Holly Johnson is a money and insurance expert who has covered personal finance, credit cards and insurance for over a decade. She is passionate about explaining the ins and outs of financial products to consumers, and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." She lives in Indiana with her husband and children.
