3 Key Differences — Chase “Slate” vs. “Freedom” vs. “Freedom Unlimited”

credit card advice

Mike Randall
By: Mike Randall
Posted: June 29, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

As one of the largest credit card issuers in the world, Chase Bank has plenty of experience in meeting the needs of consumers. Chase knows there are different cards for different spending needs, which is why they offer a range of credit cards with a variety of features and rewards. From frequent flyer programs to cash back bonuses to attractive balance transfer offers, Chase has a credit card to meet just about any consumer or business need.

Let’s take a close look at their most popular card offerings; Chase Freedom, Freedom Unlimited, and Chase Slate to see which credit card might be right for you.

Chase Freedom | Freedom Unlimited | Chase Slate

1. Chase Freedom: Cash Back Rewards with Bonus Categories

For consumers who love racking up the bonuses and rewards associated with some credit cards, the Chase Freedom card may be the right choice. With this generous credit card, users can earn 5% cash back on purchases in rotating bonus categories each quarter. You’ll also earn 1% unlimited cash back on all other purchases you make.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good

The 5% bonus categories rotate each quarter and can vary from gas and transportation to grocery purchases to restaurants and entertainment categories. Any purchases made in these categories during the quarter earn an automatic 5% cash back. In addition, new cardholders can earn a sign-up bonus after spending a specified amount on purchases within the first three months of opening an account.

2. Chase Freedom Unlimited: Fixed Cash Back on Everything

The Chase Freedom Unlimited card takes a simpler approach to earning cash back rewards. The 1.5% cash back bonus reward on all purchases made with the Freedom Unlimited card is one of the highest around. This is an excellent choice for people who use their credit card frequently throughout the month for a variety of purchases, and who may not have the time to take full advantage of the bonus categories that the Freedom card offers.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good

And like the Freedom card, the Freedom Unlimited comes with no annual fee, a sign-up bonus after spending the specified amount within the first three months, and a 0% APR for the duration of the promotional period on purchases and balance transfers. Both Freedom cards offer multiple redemption options for using your reward points, including participation in the Chase Ultimate Rewards program.

3. Chase Slate: Industry-Leading Balance Transfer Card

The Chase Slate card is specifically designed for those consumers with high credit card balances. It offers no cash back bonuses, reward points or miles, but that’s actually a good thing. Chase understands that incentives can entice people to use their card more, rather than paying down their balance.

Instead, the Chase Slate card offers something more valuable to cardholders — an introductory no-fee balance transfer option and an extended 0% balance transfer period. This industry-leading balance transfer combination is a powerful tool for people with a lot of credit card debt, and who want to pay it down in the most effective way. You can apply for the Chase Slate card directly through the Chase website.

Which Popular Chase Card Belongs in Your Wallet?

Since different spending habits require different types of credit cards, Chase has designed their credit card family to be as flexible as possible. Consumers who want to pay down debt as quickly as possible can do so using the Chase Slate — the industry’s top balance transfer card. For those who like to maximize their bonus points and rewards, the Chase Freedom card offers 5% cash back on bonus categories. And for folks who want to keep things simple, yet still get the most cash back on all of their purchases, the Chase Freedom Unlimited simply can’t be beat.

No matter your credit card purchase habits and needs, Chase has proven once again that they have the right card for you.