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Earn cash back on your purchases or save money on interest.
Find a solid selection of no-annual-fee credit cards from Chase. Flat cash back on all purchases and accelerated cash back on rotating categories are both on offer, along with intro APRs for purchases and balance transfers.
Our pick for no annual fee
Chase Freedom Unlimited®
New offer! Double cash back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% 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
Free credit score, updated weekly with Credit Journey℠
Best for unlimited cash back: Chase Freedom Unlimited®
Chase Freedom Unlimited®
New offer! Double cash back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% 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
Free credit score, updated weekly with Credit Journey℠
The Chase Freedom Unlimited® credit card can be a great choice if you want to earn flat cash back on all of your purchases. A first-year cashback bonus and a long intro APR period on balance transfers and purchases round out the card. But if you use this card outside of the US, expect to pay foreign transaction fees.
Cash back. Earn a bonus 3% cash back for the first year on up to $20,000, then 1.5% cash back on all of your purchases after that. If you don’t want to redeem your earnings for cash, you can get gift cards, use your rewards for Amazon.com purchases or redeem for travel purchases.
Intro APR period. Use a 0% intro APR for 15 months following your account opening on purchases and balance transfers. Once the intro period passes, your APR reverts to variable 17.24% to 25.99%.
Foreign transaction fees. Every time you use this card abroad, you’ll pay 3% of the transaction in fees.
Best for rotating cash back: Chase Freedom®
Chase Freedom®
0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
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
Unlimited 1% cash back on all other purchases - it's automatic
Cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Free credit score, updated weekly with Credit Journey℠
If you’re looking to maximize your cash back, the Chase Freedom® credit card could be the right choice. You can earn accelerated cash back on rotating categories every three months.
And if you want to move your balance from another card or make a large purchase and carry the balance, you get a long intro APR period.
Cash back. Earn 5% cash back on quarterly rotating categories, like gas, groceries, digital wallet purchases and more. You’re capped at $1,500 in combined purchases and have to activate each quarter. After that and on all other purchases, you earn 1% cash back.
Signup bonus. You can earn a $150 cash bonus when you spend $500 on purchases within three months of your account opening.
Intro APR period. Get an intro APR of 0% for the first 15 months of card membership on purchases and balance transfers. After that, a variable APR of 17.24% to 25.99% applies.
Foreign transaction fees. Using this card abroad will cost you a fee equal to 3% of the transaction.
You don’t get 5% cash back automatically. You have to activate each quarter to earn the 5% cash back. You can do this online, by email, over the phone, at an ATM or at a Chase branch.
Best for balance transfers: Chase Slate® credit card
Chase Slate® credit card
Enjoy a 60 days introductory balance transfer offer, save on interest, and get your free monthly credit score.
The Chase Slate® credit card can be an excellent choice if you’re paying a high APR on another card and you want to save money on interest. You get a long intro APR period on purchases and balance transfers, and for a certain period you won’t pay any balance transfer fees.
Intro APR period. When you open your account you have a 15 months 0% intro APR on balance transfers and purchases. Once the intro period passes, a variable APR of 17.24% to 25.99% applies.
Intro balance transfer fee. Making balance transfers within the first 60 days of your account opening has a balance transfer fee of $0. After that, each balance transfer will cost $5 or 5% of the transaction, whichever is greater. This means for a balance transfer of $5,000 you’d save $250 in balance transfer fees.
Free FICO score. Monitor your FICO score for free with monthly updates.
Foreign transaction fees. Every purchase made abroad comes with a fee of 3% of the transaction.
Best for business: Ink Business Cash℠ Credit Card
Ink Business Cash℠ Credit Card
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Businesses that spend on office supplies, Internet, cable and phone services, and businesses that make purchases at gas stations and restaurants could find the Ink Business Cash℠ Credit Card useful. Aside from earning accelerated cash back on these categories, you can earn a solid signup bonus and you get a long intro APR period on purchases.
Cash back. Earn 5% cash back on up to $25,000 in combined purchases each year at office supply stores and on Internet, cable and phone services. Earn 2% cash back at gas stations and restaurants on up to $25,000 in combined purchases every year. Once you reach the limit, a 1% cashback rate applies. This is the same rate you earn on all other purchases.
Signup bonus. Spend $3,000 on purchases within 3 months of your account opening and earn a $500 cash bonus.
Intro APR period. Get a 0% intro APR period on purchases for the first 12 months of card membership. After that, your rate reverts to 15.49% to 21.49% variable.
No annual fee. Earn rewards without paying an annual fee.
Foreign transaction fees. Avoid using this card outside of the US. Otherwise, you’ll pay a 3% fee of the amount of each transaction.
How to compare top Chase credit cards with no annual fee
When looking for a Chase credit card with no annual fee, consider the following:
Do you want to earn flat cash back on everything you buy? A good choice would be the Chase Freedom Unlimited® credit card. Aside from flat cash back, you get a long intro APR period on balance transfers and purchases, and the chance to earn a cashback signup bonus.
Do you want to earn accelerated cash back on certain categories? The Chase Freedom® credit card could be your answer. Every three months you can earn accelerated cash back on rotating categories, a decent signup bonus is available and you can use a long intro APR period on balance transfers and purchases.
Do you want to make balance transfers? You can choose several Chase cards for balance transfers, but the Chase Slate® credit card could be your best bet for a larger transfer. Instead of a signup bonus, you can save money on balance transfer fees for a time after opening your account.
Do you want a small business credit card? With the Ink Business Cash℠ Credit Card you earn accelerated cash back on specific categories like office supplies, gas or dining at restaurants. It also comes with a relatively easy-to-earn signup bonus and a long intro APR period on purchases.
Bottom line
Chase offers a small selection of credit cards without an annual fee. You can choose among several offerings designed for different types of spending. Rewards, introductory balance transfer fee promotions and even a small business credit card are all available through Chase.
Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.
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