No Annual Fee Credit Cards - Reviews
We’ve taken a look at a wide variety of no-annual-fee cards, comparing and rating them based on the value of their rewards, ease of redemption, and perks and features. Whether you are looking for a cash back, airline, hotel or general rewards card, our reviews are designed to help you uncover the best values you can get with no annual fee. Check out the offers below from our partners.
USAA Preferred Cash Rewards Credit Card
Last reviewed: March 2, 2026
The USAA Preferred Cash Rewards Visa Signature Card offers unlimited 1.5% cash back on purchases, no category restrictions and no caps. Terms and Restrictions apply. See the Reward Terms and Conditions on USAA’s website for details.
Information about this card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
BB&T Spectrum Cash Rewards credit card
Last reviewed: February 23, 2021
The BB&T Spectrum Cash Rewards card does not offer the highest rewards rate, but it can help cardholders looking to save on fees since it comes with no annual fee and a 12-month intro APR.
State Farm Rewards Visa
Last reviewed: May 8, 2020
The State Farm Rewards Visa encourages responsibility by making it easy for cardholders to put their rewards toward a mortgage or insurance payment, but its lackluster rewards scheme falls short of its competitors.
Venmo Credit Card
Last reviewed: July 2, 2025
The Venmo Credit Card should offer refreshing flexibility thanks to its unique cash back program that lets you earn rewards in your biggest spending categories. However, there’s no guarantee your spending habits will line up with the card’s eligible categories.
DCU Visa Platinum Rewards credit card
Last reviewed: January 15, 2021
This plain vanilla rewards card offers a low APR and standard benefits, such as travel insurance and extended warranty; but its bare bones rewards program won’t get you very far if you’re looking to quickly earn premier rewards.
PayPal Extras Mastercard
Last reviewed: April 3, 2026
The PayPal Extras Mastercard is burdened by cumbersome redemption tiers, poor redemption value and restrictions galore, making it a hard sell even for frequent PayPal users.
Commerce Bank Special Connections Visa Signature credit card
Last reviewed: July 2, 2025
The interest rate on the Commerce Bank Special Connections Visa Signature card might be low, but its sky-high balance transfer fee and stingy promotional offer make it a poor choice for transferring a balance.
IKEA® Visa® Credit Card
Last reviewed: April 3, 2026
You’ll earn rewards at a nice clip with the IKEA Visa Credit Card, but since you can only redeem Rewards Certificates at IKEA, the card will be of little use to anyone but the store’s most loyal shoppers.
Wayfair Credit Card
Last reviewed: April 3, 2026
Though it offers a decent rewards rate, the Wayfair Mastercard carries a sky-high APR and no noteworthy perks or discounts, and is best avoided for all but the most frequent Wayfair shoppers.
Citi Hilton Honors Visa Signature card
Last reviewed: December 12, 2019
With a vast hotel network, a large sign-up bonus and a bevy of hotel perks – including free hotel nights and an annual 10,000-point bonus – the Citi Hilton Honors Visa Signature card is a good deal for no annual fee. This offer is no longer available.
HSBC Platinum Mastercard with rewards
Last reviewed: September 10, 2020
With an anemic rewards rate and a middling APR, the HSBC Mastercard ranks near the bottom of our list of travel cards. This offer is no longer available.
AARP credit card from Chase
Last reviewed: March 2, 2021
With a high cash back rate on gas and restaurant purchases for no annual fee, the AARP credit card could be a great card to rotate into your wallet for your driving ventures. This card offer is no longer available.