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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. Use our table to compare no-annual-fee Chase cards that best fit your spending habits and goals.
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 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.
| Card | Annual fee | Card type |
|---|---|---|
| Chase Sapphire Reserve® | $550 | Luxury travel |
| Chase Sapphire Preferred® Card | $95 | Mid-range travel |
| United Clubâ„ Infinite Card | $525 | Luxury cobranded card |
| Southwest Rapid Rewards® Premier Credit Card | $99 | Entry 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.
Yes, Chase is a great choice for no annual fee cards thanks to its powerful card options.
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.
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.
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 fee | Rewards | Signup bonus | Additional perks | |
|---|---|---|---|---|
| Chase Sapphire Reserve® | $550 |
| 60,000 bonus points after you spend $4,000 in the first three months |
|
| United Clubâ„ Infinite Card | $525 |
| N/A |
|
| Southwest Rapid Rewards® Priority Credit Card | $149 |
| 75,000 points after you spend $5,000 on purchases in the first 3 months. |
|
| The World of Hyatt Credit Card | $95 |
| 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 |
|
| IHG® Rewards Premier Credit Card | $99 |
| 140,000 bonus points after you spend $3,000 in the first 3 months |
|
There are a few card features to review that will determine which card best fits your needs.
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.
Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.
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