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: November 3, 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.
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.
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.
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: July 2, 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.
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: May 28, 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: September 30, 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.
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.
United℠ TravelBank Card
Last reviewed: April 7, 2025
Though the United TravelBank card offers a good rewards rate for no annual fee, a traditional cash back card would probably be a better choice. This offer is no longer available.
Check out our Best Airline Credit Cards
Blue Cash card from American Express
Last reviewed: June 13, 2024
Better suited for well-heeled families than cardholders on a budget, the Blue Cash card offers a generous cash back bonus on everyday purchases; but to get it, you have to clear an exceptionally high spending threshold that may be unrealistic for some families. This offer is no longer available.