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: May 30, 2025
The USAA Preferred Cash Rewards Visa Signature Card offers a high flat rate of 1.5 percent cash back, and a fairly average sign-up bonus, so there isn’t much to distinguish it from the rabble of cards with similar 1.5 percent rewards rates. This offer is no longer available on our site.
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.
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.
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.
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: 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: May 28, 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.
Capital One® Premier Dining Rewards Credit Card
Last reviewed: September 20, 2022
With no annual fee, 3 percent cash back on restaurants and flexible redemption options, the brand-new Capital One Premier Dining Rewards card is an especially good deal for foodies and others who frequently dine out. This offer is no longer available.
Uber Visa Card
Last reviewed: June 23, 2025
The Uber Visa Card offers a compelling rewards rate on Uber purchase, but its inflexible redemption scheme severely limits its appeal. This card offer is no longer available.