Purchase APR
18.24–27.74%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $802.20
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59
Slate Edge
Jpmorgan Chase Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
18.24–28.24%
Annual fee
None
0% intro
18 mo
0% transfer
18 mo
Foreign fee
3%
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
28.24%
≤619
28.24%
620–719
28.24%
720+
25.24%
Lowest offered18.24%
Median28.24%
Highest offered28.24%
Introductory purchase APR
Promotional window: 18 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 18 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.49%
Median28.49%
Highest offered28.49%
Every fee on this card
Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Chase Pay Over Time$0
Return payment fee$40
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone800-945-2000
Balance transfer calculator
Stay put — 18 mo at 24%$900
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$650
Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 28.24% afterwards.
Cost to carry a balance
Interest for a year at 28.24%$847.20
Annual / periodic fees$0
Total yearly cost$847.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
26 documents filed by Jpmorgan Chase Bank, National Association in the 2026 Q1 archive.
All 26 agreementsMore from this issuer
Purchase APR
16.74%
Annual fee
$795
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,297.20 incl. $795 fee
Purchase APR
17.49–26.49%
Annual fee
$49
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $843.70 incl. $49 fee
Purchase APR
17.49–26.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $764.70