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Which is better: Chase Freedom or Slate?

Regular Contributor

Which is better: Chase Freedom or Slate?

I pre-qualified for both just now... NO IDEA how to decipher offers and tell which are better.

Starting Score: 580
Current Score: 780
Goal Score: 800


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Message 1 of 9
8 REPLIES
Senior Contributor

Re: Which is better: Chase Freedom or Slate?

Chase freedom is great for the 5% cash back and if you can get a decent CL with Slate then use it to transfer high balanced credit cards to enjoy the 18 month 0% APR Slate offers. After that 18 month 0% APR its pretty useless card other than the look hahha.

Message 2 of 9
Super Contributor

Re: Which is better: Chase Freedom or Slate?


loviedovie wrote:
I pre-qualified for both just now... NO IDEA how to decipher offers and tell which are better.

I thought freedom was for cash back, and slate was for balance transfer ? So i guess its up to you what you need your card for ?



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 9
Super Contributor

Re: Which is better: Chase Freedom or Slate?


mongstradamus wrote:

loviedovie wrote:
I pre-qualified for both just now... NO IDEA how to decipher offers and tell which are better.

I thought freedom was for cash back, and slate was for balance transfer ? So i guess its up to you what you need your card for ?


Correct cash back vs balance tranfer card

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 9
Regular Contributor

Upgrading to Sapphire?

Is there a way to convert the card down the road to Sapphire? Or is it once a Freedom always a Freedom...?

Starting Score: 580
Current Score: 780
Goal Score: 800


Take the myFICO Fitness Challenge
Message 5 of 9
Super Contributor

Re: Upgrading to Sapphire?


loviedovie wrote:
Is there a way to convert the card down the road to Sapphire? Or is it once a Freedom always a Freedom...?

i am not sure if you can but if i were you i wouldn't do that , i would just get csp paired with freedom since they share UR points. So you can get 5% with freedom and then apply that to your UR pool of points. At least that is how it  supposed to go  from what i understand. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 6 of 9
Valued Contributor

Re: Upgrading to Sapphire?


loviedovie wrote:
Is there a way to convert the card down the road to Sapphire? Or is it once a Freedom always a Freedom...?

You wouldn't want to convert it.  You would want to have them both to use the 5x categories of the freedom during the year to convert to valuable CSP UR points.  Plus the sign up bonus you would miss if you just pc'd it.

Message 7 of 9
Regular Contributor

Re: Upgrading to Sapphire?

Thanks you guys!!

I am going to app for the Freedom and take it from there. Cross your fingers for me! Smiley Happy

Starting Score: 580
Current Score: 780
Goal Score: 800


Take the myFICO Fitness Challenge
Message 8 of 9
Highlighted
Super Contributor

Re: Upgrading to Sapphire?


loviedovie wrote:
Thanks you guys!!

I am going to app for the Freedom and take it from there. Cross your fingers for me! Smiley Happy

Good luck fingers crossed 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 9