Reply
Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

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: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Senior Contributor
Posts: 3,914
Registered: ‎10-02-2012
0

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.

Super Contributor
Posts: 8,953
Registered: ‎06-19-2013
0

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 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/21/15 819 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/28/15 798 Fako 808 Creditkarma 5/11/15
Community Leader
Senior Contributor
Posts: 27,115
Registered: ‎02-07-2013
0

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

+ Chase ink =




Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

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: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Super Contributor
Posts: 8,953
Registered: ‎06-19-2013
0

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 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/21/15 819 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/28/15 798 Fako 808 Creditkarma 5/11/15
Valued Contributor
Posts: 1,067
Registered: ‎03-16-2013
0

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.

Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

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! :smileyhappy:

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Community Leader
Senior Contributor
Posts: 27,115
Registered: ‎02-07-2013
0

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! :smileyhappy:

Good luck fingers crossed 

+ Chase ink =




Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.