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.

Skip to Listing

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

More: | 1 | 2 | 3 | 4 |

Capital One Classic Visa Card

Great for people who want to build or rebuild their credit rating
Low, easy-to-manage credit limit from £200
Choose your own credit card design
Register for email alerts to help you stay in control
Representative Example: 34.94% APR Representative (variable). Based on credit limit of £1200.00, annual interest rate (variable) 34.9%. Capital One (Europe) Plc., Trent House, Station Street, Nottingham, NG2 3HX

View Details
Terms & Conditions |
Compare

N/A* Intro APR

N/A*Intro Period

Representative APR: 34.90% Variable

£0.00*Annual Fee

4.0

MBNA Platinum Credit Card

0% on balance transfers for 20 months (2.95% 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 19 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.
Representative Example: 16.7% APR Representative (variable). Based on 2.95% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.7%.

View Details
Terms & Conditions |
Compare

0%* Intro APR

20 months*Intro Period

Representative APR: 16.70% Variable

£0.00*Annual Fee

4.0

MBNA Platinum 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.
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

13 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0

Capital One Progress Credit Card

29.9% APR Representative variable
29.94% p.a. variable on purchases
£1,200 credit limit Capital One (Europe) Plc., Trent House, Station Street, Nottingham, NG2 3HX

View Details
Terms & Conditions |
Compare

N/A* Intro APR

N/A*Intro Period

Representative APR: 29.94% Variable

£0.00*Annual Fee

4.0

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

Sainsbury's Nectar Credit Card

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
Representative 12.92% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

10 months*Intro Period

Representative APR: 12.92% Variable

£0.00*Annual Fee

4.0

MBNA Platinum Plus Dual Credit Card

0% on balance transfers for 10 months from account opening date (3% handling fee.)
0% on all your card purchases for 10 months
0% on money transfers for 10 months
No Annual Fee
Paperless Statements
Fraud Protection
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

10 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0

BT Cash Credit Card

Earn money off your BT bill* with the BT Credit Card
0% on balance transfers for 13 months (3% handling fee)
0% on card purchases for 3 months
Online Banking
Fraud Protection
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

13 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0

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.
Manage your account online
Free 24 hour worldwide Customer Service Helpline
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

10 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0

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

NatWest Student MasterCard

Discounts on brands like HP, Lonely Planet and Firebox.com
Control your spending with a £500 maximum credit limit
Never miss a credit card payment, and avoid late fees with Direct Debit
No annual fee
Representative Example: 18.9% APR Representative (variable). Based on credit limit of £1000.00, annual interest rate (variable) 18.9%.

View Details
Terms & Conditions |
Compare

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90% Variable

£0.00*Annual Fee

4.0

RBS Student MasterCard®

Discounts on top brands like Lonely Planet, Firebox and HP
With a maximum initial credit limit of £500 keep spending under control
Get up to £250 each day (depending on your credit limit) from cash machines worldwide
With a Direct Debit you'll never miss a payment, or be charged a late fee
No annual fee
Representative Example: 18.9% APR Representative (variable). Based on credit limit of £1000.00, annual interest rate (variable) 18.9%.

View Details
Terms & Conditions |
Compare

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90% Variable

£0.00*Annual Fee

4.0

MBNA Visa® Card with Cashback

1.25% cash back on your supermarket and fuel plus 0.5% cash back on all other purchases*
No cap on how much cash back you can earn
No annual fee
Representative Example: 18.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 18.9%.

View Details
Terms & Conditions |
Compare

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90%

£0.00*Annual Fee

4.0

Bank of Scotland Advantage Credit Card

13 months 0% interest free period on Balance Transfers and Purchases
3% balance transfer fee applies
Existing Bank of Scotland customers only
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)

View Details
Terms & Conditions |
Compare

0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% 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

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

MBNA Retail Rewards American Express® Credit Card

A long term card purchase rate of 0% p.a for 12 months on every card purchase
A card purchase rate of 0% p.a for 6 months
Access to a fantastic rewards programme
Earn 1 point for every £1 you spend
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

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
Paperless Statements
Free 24 hour worldwide Customer Satisfaction Helpline
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

5.9%* Intro APR

for Life of Balance*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

England Football Credit Card

Direct contribution to the development of football in England
15% discount on all purchases at the official England Online Store
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
Paperless Statements
Fraud Protection
No Annual Fee
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

bmi American Express® Card from MBNA

Apply online for the bmi credit card and if you spend £250 on card purchases within 90 days of your account opening you will receive 20,000 destinations miles.*
0% on balance transfers for 12 months (3% handling fee). For this great rate your balance needs to be transferred within the first 90 days of your account opening
0% on card purchases for 3 months from the date your account is opened
Earn miles on your every day spend taking you to over 975 destinations worldwide
Automatic Diamond Club membership, the UK's most generous frequent flyer programme
Earn 1.5 destinations miles for every £1 spent on everyday card purchases to get you to over 975 worldwide destinations Earn triple destinations miles when you use your bmi credit card to buy a bmi flight at flybmi.com
No Annual Fee
Representative 16.9% APR (variable)

View Details
Terms & Conditions |
Compare

0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

TOP

More: | 1 | 2 | 3 | 4 |

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.

Credit Cards