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Compare Chase credit cards with no annual fee (2021 guide)

There are 10 options, from cashback to travel cards.

If you want a no-annual-fee card that comes with perks, Chase is a great place to look. The issuer has an impressive stable of market-leading options, especially in the cashback, balance transfer and business card categories. Use our table to compare no-annual-fee Chase cards that best fit your spending habits and goals.

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Chase Freedom Unlimited®
$0
14.99% to 23.74% variable
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Freedom Flex℠
$0
14.99% to 23.74% variable
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Ink Business Unlimited® Credit Card
$0
13.24% to 19.24% variable
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Ink Business Cash® Credit Card
$0
13.24% to 19.24% variable
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 in the first 3 months.
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If you want a no-annual-fee card that comes with perks, Chase is a great place to look. The issuer has an impressive stable of market-leading options, especially in the cashback, balance transfer and business card categories. Find the right no-annual-fee Chase card for you based on your spending habits and goals.

Chase credit cards with no annual fee

  • Marriott Bonvoy Bold® credit card
  • United Gateway℠ Card
  • Ink Business Unlimited® Credit Card
  • Ink Business Cash® Credit Card
  • Chase Freedom Unlimited®
  • Chase Freedom Flex℠
  • Chase Slate Edge℠ All information about this card has been collected independently by Finder.
  • Amazon Rewards Visa Signature Card
  • Disney® Visa® Card
  • AARP® Credit Card from Chase

Notable Chase annual fee credit cards

Chase has a fair share of strong credit cards featuring annual fees. Even if you’re looking for a credit card with no annual fee, it can pay to look at your Chase annual fee options as well: many of these cards more than pay for themselves through perks.

CardAnnual feeCard type
Chase Sapphire Reserve®$550Luxury travel
Chase Sapphire Preferred® Card$95Mid-range travel
United Club℠ Infinite Card$525Luxury cobranded card
Southwest Rapid Rewards® Premier Credit Card$99Entry cobranded card

The Chase Sapphire Reserve and Sapphire Preferred are both well worth their asking price, not just for the travel perks they offer but because of their valuable role in the Chase trifecta. These cards can transfer points to travel partners and receive a greater value when redeeming Ultimate Rewards points through Chase’s travel portal.

The United Club℠ Infinite Card and Southwest Rapid Rewards® Premier Credit Card are additional examples of Chase’s strong range of card types, both offering plenty of value to the consumer interested in each airline.

Should I pick Chase for a no annual fee credit card?

Yes, Chase is a great choice for no annual fee cards thanks to its powerful card options.

Pros

  • Strong cashback card options
    Both Chase Freedom cards are among the most valuable cashback cards on the market.
  • Balance transfer option
    You have one option if you want to use a Chase card to make a balance transfer: the Chase Slate Edge. This is a nice option to have given the rarity of balance transfers on the market.
  • Several business options
    Two Chase Ink business cards are available for no annual fee.

Cons

  • Rewards program max value locked behind annual fee cards
    While note specifically a knock on the cards themselves, the Chase Freedom Unlimited and Flex can only reach their max value when paired up with one of the Chase Sapphire cards – both of which have annual fees.

Do you earn cash or points with Chase cashback credit cards?

You earn Chase Ultimate Rewards points that you can redeem for cash, gift cards, travel purchases or use at Amazon.com. You can also transfer your points to other Chase Ultimate Rewards credit cards and get up to 50% higher redemption value for your points.

And what’s cool, there’s no minimum to redeem your points for cash. You can redeem as low as $1.

The average annual fee for a Chase card is $99

Often, a Chase card with an annual fee may be a better value option. Cards with big annual fees are often premium cards with generous signup bonuses, higher rewards rates and additional valuable perks worth more than the cost of the card.

Is paying a Chase annual fee worth it?

Generally, yes. Many credit cards are worth paying the annual fee, and Chase is no exception. Here’s a small breakdown of a few Chase cards, their annual fee and the rewards and perks they offer for the price.

Annual feeRewardsSignup bonusAdditional perks
Chase Sapphire Reserve®$550
  • 10x points on Lyft rides until March 2022
  • 10x points on Chase Dining
  • 10x points on hotel bookings and car rentals through Chase travel portal
  • 5x points on flights booked through Chase travel portal
  • 3x points on all other travel and dining purchases worldwide
  • 1x points on all other purchases
50,000 bonus points after you spend $4,000 in the first three months
  • $300 annual travel credit
  • 50% higher point value when you redeem for travel via Chase Ultimate Rewards
  • Global Entry or TSA PreCheck application fee credit
  • Priority Pass lounge access
  • 1:1 points transfer to partner airlines and hotels
United Club℠ Infinite Card$525
  • 4x miles on United purchases
  • 2x miles on travel, dining and eligible food delivery services
  • 1x miles on all other purchases
N/A
  • United Club membership
  • Global Entry or TSA PreCheck application fee credit
  • First and second checked bag free
Southwest Rapid Rewards® Priority Credit Card$149
  • 3x points on Southwest purchases
  • 1x points on all purchases
50,000 points after you spend $2,000 on purchases in the first 3 months.
  • 50,000 bonus anniversary points
  • $75 annual Southwest travel credit
  • Four upgraded boardings each year when available
The World of Hyatt Credit Card$95
  • 4x points at Hyatt hotels
  • 2x points at restaurants, on airline tickets purchased directly from the airline, local transit and commuting, fitness club and gym memberships
  • 1x points on all other purchases
30,000 bonus points after you spend $3,000 in the first 3 months An additional 30,000 points when you spend up to $15,000 on purchases that typically earn 1x points in the first 6 months
  • One free night every year at a 1 to 4 category Hyatt hotel
  • Discoverist elite status
IHG® Rewards Club Premier Credit Card$89 starting the second year
  • 25x points at IHG hotels
  • 2x points at gas stations, grocery stores and restaurants
  • 1x points on all other purchases
150,000 bonus points after you spend $3,000 in the first 3 months
  • One anniversary night each year
  • Fourth-night free when you use points to redeem for IHG hotel stays
  • Platinum elite status

How to compare Chase no annual fee credit cards

There are a few card features to review that will determine which card best fits your needs.

  • Rewards. You have numerous rewards options among Chase’s no annual fee cards, so look for the card that best rewards your spending.
  • Rewards program. The Chase Freedom cards both earn valuable Ultimate Rewards points, while the other options don’t.
  • Intro APR. While many Chase no-annual-fee options offer an intro APR on purchases, only one offers an intro APR on balance transfers.
  • Perks. The perks offered on each Chase no annual fee card vary greatly in some cases, particularly between travel offerings.
  • Bottom line

    Chase offers a solid 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.

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