One-third of Chase credit cards have no annual fee. Some offer sign-up bonuses, worth up to $500, and points, miles or cash back on every purchase. Others have 0% introductory APRs. All of the no annual fee Chase credit cards require good credit or excellent credit for approval.
The best Chase credit card with no annual fee is Chase Freedom because it offers a $150 bonus for spending $500 in the first 3 months and 5% back on the first $1,500 spent per quarter in rotating categories. Other top contenders are Chase Freedom Unlimited ($150 bonus and 1.5% cash back on purchases) and Chase Slate (0% APR on purchases and balance transfers for 15 months). There are also a few more options with a $0 annual fee for the first year only, including Chase Sapphire Preferred.
Here are the Chase credit cards with no annual fee:
- Chase Freedom
- Chase Freedom Unlimited
- Chase Slate
- Amazon Rewards Visa Signature
- Ink Business Unlimited
- Ink Business Cash
- United TravelBank
- Disney Visa
- AARP Credit Card
A Chase credit card with no annual fee will save you money in the long run, as you’re not paying to use the card every year. But that shouldn’t deter you from applying for a Chase card that charges an annual fee. If you travel regularly or plan to make a big purchase, you may end up earning enough rewards where the annual fee will pay for itself.
For example, if you earn the 50,000-point initial bonus with Chase Sapphire Preferred, those points are worth either a $500 statement credit or $625 in travel rewards. That pays for the Preferred card’s $95 annual fee for 5-6 years, in addition to the free first year.
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