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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Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee

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Sainsbury's Mastercard for Nectar Card Holders

0% for the first 12 months on purchases
0% for the first 12 months on balance transfers (3% BT fee)
No annual fee
Full MasterCard benefits

0%*Intro APR

12 months*Intro Period

15.94%*APR

£0.00*Annual Fee

4.0

Sainsbury's Nectar Credit Card

12.92% p.a. on purchases and balance transfers and no balance transfer fee
0% apr on Balance Transfer for 10 months
No annual fee
Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend
Optional repayment cover

0%*Intro APR

10 months*Intro Period

12.92%*APR

£0.00*Annual Fee

4.0

Virgin Money Credit Card

0% for 14 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 14 months*Intro Period

16.60%*APR

£0.00*Annual Fee

5.0

Egg Visa Credit Card

0% interest for up to 14 Months on balances transferred within the first three months (3% fee applies).
0% interest on new purchases for up to 3 months.
Manage your online account Egg Money Manager.
Online PIN reminder
Active fraud monitoring
24 hour online account management
No paperwork and apply in minutes

0%*Intro APR

up to 14 months*Intro Period

17.90%*APR

£0.00*Annual Fee

4.5

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

NatWest Platinum Credit Card

0% on balance transfers for 15 months
0% on purchases – for three months
2.9% balance transfer fee - (minimum £5)
Typical 16.9% APR (variable)
1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months.

0%*Intro APR

15 months on BT*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

RBS Platinum Credit Card

0% balance transfers for 15 months
0% interest on purchases for 3 months from account opening
2.9% Balance transfer fee – (minimum £5)
Typical 16.9% APR (variable)
1% off the APR for Royalties Gold customers
Free additional cardholder

0%*Intro APR

15 months on BT*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

RBS Classic Credit Card

4.9% p.a. on purchases for nine months from opening your account
No annual fee
Typical 19.9% APR (variable)
56 days interest free credit on purchases
Free additional card

4.9%*Intro APR

9 months*Intro Period

19.90%*APR

£0.00*Annual Fee

4.0

NatWest Classic Credit Card

4.9% p.a. on purchases for nine months from opening your account
No annual fee
Typical 19.9% APR (variable)
Withdraw cash – up to £300 or the foreign currency equivalent, from cash machines the world over
NatWest Wine Club savings

4.9%*Intro APR

9 months*Intro Period

19.90%*APR

£0.00*Annual Fee

4.0

Barclaycard Platinum Visa® Card

0% interest on balance transfers until July 2011 from account opening (2.9% handling fee applies)
0% interest on purchases for 3 months from account opening
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
15.9% APR typical (variable)

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0%*Intro APR

15 months on BT*Intro Period

15.90%*APR

£0.00*Annual Fee

4.5

Barclaycard Platinum Simplicity Credit Card

Simply our lowest APR
A low rate on all your purchases
6.8% interest on all balance transfers until paid in full (no handling fee applies)
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers
With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
6.8% APR typical (variable)

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N/A*Intro APR

N/A*Intro Period

6.80%*APR

£0.00*Annual Fee

5.0

Barclaycard Initial Credit Card

Strengthen your credit rating
Enjoy a credit limit of up to £2,000 (minimum £250)
Go contactless – Make purchases of £10 and under in an instant wherever you see the contactless symbol
29.9% APR typical (variable)

N/A*Intro APR

N/A*Intro Period

29.90%*APR

£0.00*Annual Fee

4.5

National Trust Credit Card

The National Trust will receive £15 when you use your card within 90 days of the account opening
They will also receive 30p for every £100 you spend on card purchases
And £2.00 for every year you continue to use the card
Save £5 when you use your National Trust Credit Card to spend £25 or more in National Trust Shops*
0% on balance transfers for 12 months (3% handling fee)
0% on money transfers from your credit card to your current account for 12 months (4% handling fee)
0% on card purchases for 3 months from the date your account is opened
16.9% APR typical rate (variable)
No Annual Fee

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0

Sainsbury's Credit Card

Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card.
0% for the first 12 months on Sainsbury's shopping
0% for the first 10 months on all other shopping
0% for the first 10 months on balance transfers (+3% fee)
Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere
Withdraw cash in over 24 million locations worldwide (fees apply)
Enjoy safe and secure payments with Chip and PIN

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0%*Intro APR

12 months*Intro Period

15.90%*APR

£0.00*Annual Fee

5.0

Virgin Purchases Credit Card

0% on card purchases for 12 months
0% on balance transfers for 12 months (rate applies to transfers made in the first 60 days, handling fee of 2.98% applies)
Typical rate 18.9% APR (variable)
No annual fee
50 days grace period
Issued by MBNA Europe Bank Limited

0%*Intro APR

12 months*Intro Period

18.90%*APR

£0.00*Annual Fee

4.0

MBNA 5.9% APR Rate For Life Credit Card

A promotional rate on balance transfers and money transfers - 5.9% for the life of the transferred balances* 2% handling fee for balances transferred in the first 60 days, 3% thereafter (4% for money transfers)
Ideal for rearranging your finances and consolidating loans*
Verified by Visa™
With MBNA Secure
16.9% APR typical rate (variable)
Paperless Statements
Free 24 hour worldwide Customer Satisfaction Helpline

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5.9%*Intro APR

for Life of Balance*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

DogsTrust Credit Card

Dogs Trust will receive £4 when you use your card within 90 days of the account opening
They will also receive 25p for every £100 you spend on card purchases
And £2.00 for every year you continue to use the card
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
16.9% APR typical rate (variable)
No Annual Fee

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0%*Intro APR

12 months on BT*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

BT Retail Credit Card

Every time you spend on your BT Credit Card you'll earn money off your BT bill*
An outstanding introductory card purchase rate of just 0% on petrol station and supermarket spend for 10 months
An outstanding introductory balance transfer rate of 0% for 6 months (2% handling fee applies)
The petrol and supermarket offer is available instore only and includes most major UK supermarkets: Tesco, Sainsbury's, Asda, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi.
16.9% APR typical rate (variable)
Manage your account online
Free 24 hour worldwide Customer Service Helpline

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0%*Intro APR

10 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0

Miles & More American Express® credit card from MBNA

Receive a welcome bonus of 1,500 award miles
2 award miles for every £1 you spend during the first 6 months
1.5 award miles per £1 spent thereafter
Redeem your award miles for fabulous rewards including flights, upgrades, hotel stays and much more!
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
16.9% APR typical rate (variable)
No mileage expiration

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0

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.
No annual fee to pay.
Free additional credit card for partners or family members over 18.
24-hour worldwide assistance and an emergency cash advance if your card is lost or stolen.
Up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.
Up to 56 days' interest-free period available when you pay your whole credit card balance in full and on time

0%*Intro APR

15 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

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