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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HSBC Bank Credit Card

0% for 23 months on balances transferred within 30 days of you opening your account. 3.3% balance transfer fee applies, minimum £5.
0% on purchases for 3 months from account opening
No annual fee to pay
Free additional credit card for partners or family members over 18
Representative example: based on an assumed credit of £1200, our 16.9% rate p.a for new purchases gives a representative rate of 16.9% APR variable.

0%* Intro APR

23 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

Capital One Click Credit Card

If you love shopping online, the Click Card is designed for you
Exclusive access to great brand discounts with eXtras plus Enhanced security
9.9% p.a. variable on purchases, balance transfers and cash withdrawals
No annual fee
Representative Example: Assuming a credit limit of £1,200 and an interest rate on purchases of 9.94% p.a. variable, you will receive a 9.9% APR representative variable.

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N/A* Intro APR

N/A*Intro Period

Representative APR: 9.90% Variable

£0.00*Annual Fee

4.5

Virgin Credit Card

0% for 20 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.99% 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
Representative Example: 16.8% APR Representative (variable). Based on 2.99% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.8%.

0%* Intro APR

up to 20 months*Intro Period

Representative APR: 16.80% Variable

£0.00*Annual Fee

5.0

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
Representative Example: 16.94% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.94%.

0%* Intro APR

12 months*Intro Period

Representative APR: 16.94% Variable

£0.00*Annual Fee

4.0

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
Representative Example: 39.94% APR Representative (variable). Based on credit limit of £1000.00, annual interest rate (variable) 39.9%.

N/A* Intro APR

N/A*Intro Period

Representative APR: 39.90% Variable

£0.00*Annual Fee

4.5

Tesco Clubcard Credit Card

0% interest for 15 months on ALL purchases from account opening
0% interest for 9 months on balance transfers from account opening (2.9% fee)
A faster way to collect Clubcard points - 1 point awarded per £4 spent
Your way to collect Clubcard points
Apply online for an instant decision
A defaqto 5 star rating for excellent quality
Representative Example: 16.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.

0%* Intro APR

15 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

Barclaycard Platinum Transfer Card

0% interest on balance transfers for 21 months from account opening (3.0% handling fee applies)
Plus, refund offer which reduces handling fee to equivalent of 2.6% for everyone (terms and conditions apply)
Request a balance transfer quickly and easily as part of your application
0% interest on purchases for 3 months from account opening
Barclaycard Freedom - a reward programme like no other
Representative Example: 17.5% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 17.5%.

0%* Intro APR

21 months on BT*Intro Period

Representative APR: 17.50% Variable

£0.00*Annual Fee

4.5

Halifax Balance Transfer Credit Card

0% for the first 22 months on balance transfers up to £3,000* (3.5% fee applies)
0% for the first 3 months on purchases
No annual fee
Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable)

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0%* Intro APR

See T&C*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5

Barclaycard Platinum Visa® Card

0% interest on balance transfers for 22 months from account opening (2.9% handling fee applies)
0% introductory purchase period 3 months
£20 off your balance transfer fee when you transfer a balance of £3000 or more (terms and conditions apply)
Request a balance transfer quickly and easily as part of your application
0% interest on purchases for 3 months from account opening
Barclaycard Freedom - a reward programme like no other
Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable 17.9 %). Barclays Bank Plc., 1 Churchill Place, London, E14 5HP

0%* Intro APR

22 months on BT*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0

Bank of Scotland All in One Card

0% for the first 12 months on balance transfers (3% balance transfer fee applies)
0% for the first 12 months on new purchases
A handling fee of 3% applies for each balance transfer
Master Card benefits package
59 days grace period
Representative Example: 17.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 15.9%.

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0%* Intro APR

12 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5

Barclaycard Platinum Simplicity Credit Card

Simply our lowest APR
7.9% interest on all purchases and on all balance transfers (no handling fee applies)
Barclaycard Freedom - a reward programme like no other
Your new Barclaycard will automatically be set up with paperless statements making it easier to manage your account online*
Representative Example: 7.9% APR Representative (variable). Based on 0% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 7.9%. Barclays Bank Plc., 1 Churchill Place, London, E14 5HP

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N/A* Intro APR

N/A*Intro Period

Representative APR: 7.90% Variable

£0.00*Annual Fee

5.0

Lloyds TSB Platinum Credit Card

0% interest for 14 months on balances transferred within the first 90 days (3% fee applies). Minimum spend of £100 in the first three months applies
0% interest on purchases for 3 months
No annual fee
Extra security including chip and PIN technology, and fraud loss guarantee
Representative Example: 17.9% APR Representative (variable). Based on 3.0% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.7%.

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0%* Intro APR

14 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5

Barclaycard Gold Credit Card

0% interest on balance transfers for 12 months (2.5% handling fee applies)
Request a balance transfer quickly and easily as part of your application
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
Barclaycard Freedom - a reward programme like no other
Representative Example: 19.9% APR Representative (variable). Based on 2.5% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 19.9%.

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0%* Intro APR

12 months on BT*Intro Period

Representative APR: 19.90% Variable

£0.00*Annual Fee

4.5

Virgin Atlantic American Express® White Card

3,000 bonus Flying Club miles on your first card purchase
1 Flying Club mile for every £1 you spend
2 Flying Club miles for every £1 spent direct with Virgin Atlantic, Virgin Holidays and Regus business centres
Receive a Premium Economy reward upgrade on an Economy redemption booking when you spend £10,000 on your card in a year. You can earn 2 of these upgrades every year.
Enjoy a complimentary companion reward flight when you spend £15,000 on your card in a year. So you can bring a friend with you, on us
10% off all Virgin Holidays packages
No annual fee
0% on balance transfers for 6 months from the date your account is opened. 2% handling fee applies
Representative 17.9% APR (variable)

0%* Intro APR

6 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.0

NatWest Platinum Credit Card

0% on balance transfers for 20 months
0% on purchases – for 6 months
3.2% balance transfer fee - (minimum £5)
1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months.
Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.6%.

0%* Intro APR

20 months on BT*Intro Period

Representative APR: 17.60% Variable

£0.00*Annual Fee

4.5

Bank of Scotland Plus Card

0% for 13 months on balances transfers (3% fee applies)
0% for 3 months on purchases
Master Card benefits package
59 days grace period
Representative Example: Based on borrowing £1,200 repaid over 12 months the representative rate would be 16.9% APR (variable). The purchase rate is 16.94% pa (variable). Credit limits and interest rates will vary based on your individual circumstances.

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0%* Intro APR

See T&C*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

Barclaycard Initial Credit Card

Strengthen your credit rating
1% of the value of your purchase in Reward Money (0.5% at Shell) in participating retailers.
£1,200 credit limit
Representative Example: 29.9% APR Representative (variable). Based on2.5% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 29.9%. Barclays Bank Plc., 1 Churchill Place, London, E14 5HP

N/A* Intro APR

N/A*Intro Period

Representative APR: 29.90% Variable

£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
Representative 16.9% APR (variable)
No Annual Fee

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

RBS World MasterCard®

0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable).
0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable).
2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon.
No annual fee
Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)

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0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0

NatWest World MasterCard®

0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable).
0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable).
2,500 bonus NatWest YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon.
No annual fee
Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)

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0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0

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