Top Chase credit cards with no annual fee | finder.com
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Top Chase credit cards with no annual fee

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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®

  • 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
  • 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
  • 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℠
  • No annual fee
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Top Chase credit cards with no annual fee

Name Product Welcome Offer Rewards Annual Fee
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Earn 1.5% unlimited cash back for each dollar spent
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 cash back after spending $500 on purchases in the first 3 months
5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
Earn unlimited $1.5 cash back rewards on every purchase made for your business.
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
$500 bonus cash back after you spend $3,000 in the first 3 months
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
$0
Enjoy a 60 days introductory balance transfer offer, save on interest, and get your free monthly credit score.

Compare up to 4 providers

Top Chase credit cards with no annual fee

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Best for unlimited cash back: Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 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
  • 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
  • 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℠
  • No annual fee
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The Chase Freedom Unlimited® credit card can be a great choice if you want to earn flat cash back on all of your purchases. An easy-to-earn signup 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.

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℠
  • No annual fee
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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.

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.

Promoted
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.

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
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No annual fee
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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 balance transfers and purchases.

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 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 balance transfers and 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.

You can also compare other no-annual-fee credit cards until you find the perfect match for your financial needs.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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