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Best No Annual Fee Chase Credit Cards

These are the best products for you based on your credit.

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Last fact checked: Aug. 23, 2026

Best No Annual Fee Chase Credit Cards

Chase's no annual fee lineup stands out because it works within the broader Chase Ultimate Rewards® ecosystem. Chase Freedom Unlimited®, Chase Freedom Flex®, Chase Freedom Rise®, Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, and Chase Slate® all have no annual fee, while select cards earn cash back rewards that can later be combined with an eligible premium Chase card and transferred to participating airline and hotel loyalty programs.

2026 Best of Awards Winner

Chase Freedom Unlimited®

5.0
CompareCredit Score

on Chase's secure site

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
  • 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

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Chase Slate®

5.0
CompareCredit Score

on Chase's secure site

  • 0% Intro APR for 21 months on purchases and balance transfers
  • 18.24% - 28.24% Variable APR
  • With Chase Credit Journey®, get access to your credit score, identity monitoring, and receive customized score improvement plans from Experian™ – all for free.
  • $0
  • Excellent/Good
  • Visa
  • Select to apply online
  • 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
  • No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
  • Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
  • Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
  • Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
  • Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
  • Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
  • Member FDIC

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Chase Freedom Flex®

4.5
CompareCredit Score

on Chase's secure site

  • Earn a $200 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, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
  • 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable.
  • $0
  • Excellent/Good
  • Mastercard
  • Select to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Review additional details for Chase Freedom Flex®

More Info

Chase Freedom Rise®

5.0
CompareCredit Score

on Chase's secure site

  • Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
  • 1.5% cash back on all purchases
  • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card.
  • $0
  • New to Credit
  • Visa®
  • Select to apply online
  • Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
  • Member FDIC

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About Chase No Annual Fee Cards:

For a single no-annual-fee card, Chase Freedom Unlimited® is one of the most flexible options. Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases If you value category rotation, Chase Freedom Flex® adds 5% cash back in rotating quarterly categories. For balance transfer needs, Chase Slate® offers 0% Intro APR on Balance Transfers for 21 Months, followed by 18.24% - 28.24% Variable APR, all with no annual fee.

On the business side, Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card are popular no-annual-fee options for everyday business spending. When paired with Ink Business Preferred® Credit Card, rewards can be combined and transferred to participating airline and hotel loyalty programs, creating a flexible rewards strategy for small-business owners. That combination helps explain the popularity of Chase's business card ecosystem among businesses focused on earning and redeeming rewards.

Frequently Asked Questions:

Can I get a Chase travel card with no annual fee?

Chase does not currently offer a no-annual-fee travel rewards card with access to airline and hotel transfer partners. However, Freedom Unlimited® has no annual fee and earns 5% cash back on travel purchased through Chase Travel℠. When paired with an eligible premium Chase Ultimate Rewards® card, rewards can be combined and transferred to participating airline and hotel loyalty programs.

Which no annual fee Chase card has the best welcome offer?

Welcome offers change regularly. Freedom Unlimited® and Freedom Flex® frequently feature introductory bonuses for new cardholders, while Ink Business Unlimited® and Ink Business Cash® often offer some of the largest welcome bonuses among Chase no-annual-fee cards for eligible business owners.

Can I keep a Chase no annual fee card open without using it?

Chase may close inactive accounts after extended periods of non-use - typically 12+ months with no activity. A small recurring charge or occasional purchase keeps the account active and preserves your credit history length.

Should I downgrade my Sapphire to a no annual fee Chase card?

Possibly. Some cardholders choose to product change from Chase Sapphire Preferred® or Chase Sapphire Reserve® to a no-annual-fee Chase card in order to avoid an annual fee while keeping the account open. Before making a change, consider the rewards, travel benefits, and redemption options you may give up.