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

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.

Find a Chase credit card with no annual fee

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	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.	Compare	loading Fetching your data...
Chase Freedom Flex℠			5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	Compare	loading Fetching your data...
IHG® Rewards Club Traveler Credit Card			15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases	15.99% to 22.99% variable	$0	See offer View details	Earn 60,000 points after spending $2,000 in the first 3 months from account opening.	Compare	loading Fetching your data...

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The best Chase credit cards with no annual fees

At the time of this writing, there are 10 Chase credit cards with no annual fee. These include cashback products, a balance transfer option and travel cards.

Best for flat-rate cash back
Chase Freedom Unlimited®

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

The Chase Freedom Unlimited® is a contender for Chase's best credit card with no annual fee. It's 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 purchases round out the card. But if you use this card outside of the US, expect to pay foreign transaction fees. Get this card if: You want unlimited cash back.

• Cash back. Earn 5% cash back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1.5% back on all other purchases.
• Signup bonus. Earn $200 bonus cash once you spend $500 in your first 3 months of card membership.

• Foreign transaction fees. Using this card abroad or online with foreign merchants will cost you 3% of the amount of every transaction.

Annual Fee	$0
Purchase APR	0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR	14.99% to 23.74% variable
Welcome offer	$200 after spending $500 in the first 3 months
Rewards	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

Best for rotating cash back
Chase Freedom Flex℠

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

If you're looking to maximize your cash back, the Chase Freedom Flex℠ credit card could be the right choice. You can earn accelerated cash back on rotating categories every three months. And if you want to make a large purchase and carry the balance, you get a long intro APR period. Get this card if: You spend in the card's rotating categories.

• Cash back. Earn 5% cash back on quarterly rotating categories, such as gas, groceries, digital wallet purchases and more. You're capped at $1,500 in combined purchases and have to activate each quarter. After that, you earn 1% cash back. You'll also earn Earn 5% cash back on travel through Chase Ultimate Rewards and on Lyft through March 2022, 3% back at restaurants and drugstores and 1% back on all other purchases.
• Signup bonus. You can earn a cash bonus when you spend $500 on purchases within 3 months of your account opening.

• Foreign transaction fees. Every transaction you make abroad or online with foreign merchants will cost you 3% of the amount.

Annual Fee	$0
Purchase APR	0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR	14.99% to 23.74% variable
Welcome offer	$200 after spending $500 in the first 3 months
Rewards	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

Best for hotels
Marriott Bonvoy Bold™ credit card

Finder Rating: 3.6 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 3x
Points

30,000
Points welcome offer

• Info
• Pros & cons
• Details

This card is an especially good choice if you're a Marriott regular. But it can also be worthwhile if you're a frequent traveler but don't always stay at Marriott properties, as you'll earn solid rewards on travel. Get this card if: You want to save up for a Marriott Bonvoy stay.

• Marriott Bonvoy points. Earn 3x points at Marriott Bonvoy hotels. Earn 2x points on other travel purchases, and 1x points on all other purchases.
• Signup bonus. Earn 30,000 points after you make $1,000 in purchases on your card within the first 3 months from account opening.
• 15 elite night credits every calendar year. This qualifies you for Silver Elite status in Marriott Bonvoy, which gives you privileges such as late checkout upon availability and 10% bonus points on stays.

• No intro APR period. You don't get 0% intro APR period on purchases, balance transfers or both.

Annual Fee	$0
Purchase APR	15.99% to 22.99% variable
Balance transfer APR	15.99% to 22.99% variable
Welcome offer	30,000 points after spending $1,000 in the first 3 months
Rewards	3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases

Best for business
Ink Business Cash℠ Credit Card

Finder Rating: 4.5 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$750
Welcome offer

• Info
• Pros & cons
• Details

On the business side, the Ink Business Cash℠ Credit Card could make a case as the best credit card with no annual fee. Businesses that spend on office supply stores, internet, cable and phone services, as well as at gas stations and restaurants, could find the 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. Get this card if: You want a business card.

• 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 (then 1%). 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 $7,500 on purchases within 3 months of your account opening and earn a $ 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 13.24% to 19.24% variable.

• No intro APR on balance transfers. You don't get a 0% intro APR period on balance transfers, which makes the card a poor debt-consolidation choice.

Annual Fee	$0
Purchase APR	0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR	13.24% to 19.24% variable
Welcome offer	$750 cash back after spending $7,500 in the first 3 months
Rewards	5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases

Best for IHG hotels
IHG® Rewards Club Traveler Credit Card

Finder Rating: 4.5 / 5

★★★★★

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 15x
Points

60,000
Points welcome offer

• Info
• Pros & cons
• Details

This card is a great choice for IHG regulars because of its high rewards rate on IHG stays and a generous signup bonus. What's more, every time you spend points for four IHG stays or more, you get the fourth one for free.

• Reward points. Earn 15x points on IHG stays, which comes at around 9% back when redeemed for IHG stays, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases.
• Signup bonus. Earn 60,000 bonus points after you spend $2,000 in the first 3 months of card membership. With a value of around 0.6 cents per point, the signup bonus is worth around $465.
• Fourth reward night free. Redeem your points for four free nights or more and get the fourth one free.

• No intro APR period. You don't get to save money on interest with a 0% intro APR period on purchases, balance transfers or both.
• Gold elite status tier not complimentary. Most travel cards let you get one elite status tier just by being a cardmember. To get this perk, however, you need to spend $10,000 each year.

Annual Fee	$0
Purchase APR	15.99% to 22.99% variable
Balance transfer APR	15.99% to 22.99% variable
Welcome offer	60,000 points after spending $2,000 in the first 3 months
Rewards	15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases

Best for airlines
United Gateway℠ Card

Credit recommended (670-850) See offer on Creditcards.com's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 3x
Miles

20,000
Miles welcome offer

• Info
• Pros & cons
• Details

The United Gateway℠ Card is a simple card that can help you save up for a United flight. A nice touch is the 2% in TravelBank cash you'll earn on United tickets. You'll also like the 1% in TravelBank cash on all purchases, which ensures solid, consistent rewards.

• United TravelBank cash. Earn 2% in TravelBank cash on tickets you purchase from United. Earn 1% TravelBank cash on all other purchases.
• Signup bonus. Earn in TravelBank cash when you make $1,000 in purchases within the first 3 months from account opening.
• In-flight savings. Get 25% back in statement credits when you buy food, drinks and Wi-Fi on United-operated flights.

Annual Fee	$0
Purchase APR	16.49% to 23.49% variable
Balance transfer APR	16.49% to 23.49% variable
Welcome offer	20,000 bonus miles after spending $1,000 in the first 3 months
Rewards	2x miles on United Airlines purchases, at gas stations and on local transit and commuting and 1x on all other purchases. Plus, 3x miles on grocery store purchases up to $1,500 per month through 9/30/2021

Disclaimer

The information about United Gateway℠ Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Other Chase credit cards with no annual fee

Though the above cards represent the cream of the crop, the following cards can be excellent choices as well depending on your needs.

• Chase Ink Business Unlimited℠ Credit Card. This is an excellent choice if you spent relatively evenly in different business categories. You’ll earn unlimited 1.5% cash back on every purchase.
• Amazon Rewards Visa Signature Card. A strong card for everyday purchases. Earn 3% back at Amazon.com and Whole Foods Market. Also, earn 2% back at restaurants, gas stations and drugstores as well as 1% back on all other purchases.
• Disney® Visa® Card.Earn Disney Reward Dollars that you can redeem at Disney resorts, Disney Cruise Line, the Disney store and more. Also, save 10% every day on select purchases at the Disney store and its website.
  Chase offers another Disney card that has a $49 annual fee. This card comes with stronger rewards, and it lets you redeem Reward Dollars for statement credit toward air travel.
• AARP® Credit Card from Chase.This card offers a strong 3% cash back at restaurants and gas stations. Each time you use your card at a restaurant, Chase will donate $0.10 to the AARP Foundation to support the Drive to End Hunger, up to $1 million total.

How to compare 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 Flex℠ 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 a small business credit card?
  With the Ink Business Cash℠ Credit Card you earn accelerated cash back on specific categories like office supply stores, gas stations or dining at restaurants. It also comes with a relatively easy-to-earn signup bonus and a long intro APR period on purchases.

Average annual fee for a Chase card

Getting a card with no annual fee comes with no additional burden on your finances. But sometimes, a Chase card with an annual fee may be a better option. Especially cards that have the highest annual fees. These are often premium cards with generous signup bonuses, higher rewards rates and additional valuable perks.

Alternatives to Chase cards with no annual fee

You don’t have to limit yourself to Chase credit cards. There are many excellent credit card alternatives with no annual fee. For example:

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.