No Annual Fee Cards

These credit cards will not charge you an annual fee throughout the duration of card use. If you're one looking to repay the benefits of a credit card via interest rates, these cards are just perfect for you. Visitors should note cards listed below are reserved for U.K. residents. Before applying for a card it's important to check the card agreement as some cards will charge an annual fee after the first year of card use.

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Virgin Credit Card

0% for 16 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.98% handling fee applies)
0% for 3 months on card purchases* (from the date your account is opened)
Discounts at loads of Virgin companies
Discounted vouchers for leading high street stores
Typical rate 16.6% APR (variable)

0%*Intro APR

Up to 16 months*Intro Period

16.60%*APR

£0.00*Annual Fee

5.0

Vanquis Visa Credit Card

Sensible credit limit starting from £250 to £1000
Simple application process
Friendly UK call centre to give you the support you need

0%*Intro APR

2 months*Intro Period

39.90%*APR

£0.00*Annual Fee

4.0

HSBC Bank Credit Card

0% for 15 months on balances transferred within 30 days of you opening your account. 2.9% balance transfer fee applies (minimum £5)
0% on purchases for 3 months from account opening
Typical 16.9% APR variable after introductory period
No annual fee to pay
Card security – five security measures to give you confidence when you spend

0%*Intro APR

12 months*Intro Period

15.90%*APR

£0.00*Annual Fee

4.5

Capital One Progress Credit Card

Your balance transfer and purchase rates could shrink to as low as 19.9% p.a. variable
A credit limit of up to £2,500
34.9% APR typical variable
Maximum of 56 days for purchases where the balance is paid in full every month

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N/A*Intro APR

N/A*Intro Period

19.90% (V)*APR

£0.00*Annual Fee

4.0

MBNA Platinum Plus Credit Card

0% on balance transfers for 13 months (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
0% on money transfers from your credit card to your current account for 13 months (4% handling fee). Remember for this great rate you need to transfer money within the first 90 days of opening your account.
0% on card purchases for 3 months from the date your account is opened.
15.9% APR typical rate (variable).
Online Banking
Fraud Protection

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0%*Intro APR

13 months*Intro Period

15.90%*APR

£0.00*Annual Fee

4.0

Capital One Plus Credit Card

0% on purchases for 6 months
A credit limit of up to £5,000
Online security and anti-fraud protection
14.9% APR typical variable

0%*Intro APR

6 months*Intro Period

14.90% (V)*APR

£0.00*Annual Fee

4.5

Virgin Prepaid Master Card

Works like standard credit card
Application fee is just £9.95
Discounts at Virgin Vines, Virgin Holidays, Virgin Experience and more.
Stored value Guaranteed approval card

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£10.00Opening Min

£9.95*App Fee

£0.00*Annual Fee

N/AATM Fee

4.5

American Express Platinum CashBack Credit Card

5% cashback for the first 3 months and 1.5% thereafter
Standard APR on purchases is 18.9% variable
Credit limit from £700 to £25000
Platinum benefits
No annual fee

N/A*Intro APR

N/A*Intro Period

18.90%*APR

£0.00*Annual Fee

4.0

Capital One Classic Visa Card

34.9% APR Typical Variable
No Annual Fee
Up to £2,500 in spending power
A FREE choice of card design
Free Identity Theft Service

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N/A*Intro APR

N/A*Intro Period

34.90% (V)*APR

£0.00*Annual Fee

4.0

MBNA Rewards Credit Card

0% on balance transfers for 13 months (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
0% on money transfers from your credit card to your current account for 13 months (4% handling fee). Remember for this great rate you need to transfer money within the first 90 days of opening your account.
0% on card purchases for 3 months from the date your account is opened.
16.9% APR typical rate (variable).

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0%*Intro APR

13 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0

We do not guarantee the accuracy of information provided with regards to products and services and reviewed on the site. Intending applications are strongly advised to read and understand the card agreement or terms and conditions before applying. We are liable for misinformation or liability arising out of information provided on the site. Applications online are protected using the safe SSL technology.