Woke up today w bad cough, no sputum (non-productive) that causes chest pain. Minor trouble breathing, runny nose, temp 99.2 f. cold or bronchitis?

Both. A cold is an upper respiratory infection. Acute bronchitis is also an upper respiratory infection. I would say you have both: acute bronchitis caused by a cold. The risk is that you may have a LOWER respiratory infection (i.e. pneumonia) - the fever is the worrisome sign. You need to be seen by your doctor ASAP. Sometimes antibiotics really are needed!