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.
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.
USAA Preferred Cash Rewards Credit Card
Last reviewed: December 1, 2025
The USAA Preferred Cash Rewards Visa Signature Card offers a Limited Time Offer: Cash back match – earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
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.
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.
PayPal Extras Mastercard
Last reviewed: December 4, 2025
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.
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.
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.
Wayfair Credit Card
Last reviewed: December 4, 2025
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.
IKEA® Visa® Credit Card
Last reviewed: December 4, 2025
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.
Wyndham Rewards Visa card
Last reviewed: April 7, 2025
The Wyndham Rewards Visa card offers an above average rewards rate on hotel and general purchases; but Wyndham points aren’t worth as much as the average card rewards point, so the hotel card’s rewards program isn’t as valuable as it seems. This offer is no longer available.
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.