I have no nasal congestion and a dry cough but i can feel something rattling around in my chest when i cough i have no other symptoms either is this allergies or a cold?

Could be either: They symptoms are likely related to an upper respiratory infection; however depending on the time sequence and persistence of symptoms, allergies could be playing a role if there is no improvement in the near future. Should the symptoms persist or should they worsen, i recommend seeing your primary doctor and possibly an allergist.