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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SonyCard Credit Card from MBNA

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 6 months from the date your account is opened
2,000 FREE Sony Card Rewards Points* when you make a card purchase within the first 90 days – that's enough to claim a CD or DVD
Earn Reward Points every time you spend using your Sony Card
TRIPLE Reward Points – when you buy products from Sony using your Sony Card.
As a Sony Card Customer we'll keep you up to date with what's new in the world of Sony's Entertainment world – and you'll also be able to enter Dream Draws giving you access to exclusive offers from Sony
Representative 16.9% APR (variable)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

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

British Heart Foundation Credit Card

British Heart Foundation will receive £7.50 when you use your card within 90 days of the account opening. They will also receive 35p for every £100 you spend on card purchases
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
No Annual Fee
Representative 16.9% APR (variable)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

Breakthrough Breast Cancer Credit Card

Take out a card today and Breakthrough Breast Cancer will receive: £7.50 when you use your card within 90 days of the account opening, 25p for every £100 you spend on card purchases, and £2 for every year you continue to use the card
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
No Annual Fee
Representative 16.9% APR (variable)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

Chelsea Rewards Credit Card

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
Reward Points: you will get access to one of the biggest credit card reward schemes available today. For every £1 you spend on card purchases, we'll give you 1 Reward Point, so you'll soon rack up enough points to earn valuable Rewards
No Annual Fee
Paperless Statements
Fraud Protection
Representative 16.9% APR (variable)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

Liverpool FC Rewards Credit Card

Official 5 Star LFC Credit Card
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
Reward Points: For every £1 you spend on card purchases, we'll give you 1 Reward Point, so you'll soon rack up enough points to earn valuable Rewards
Contributions made to the Club by MBNA Europe Bank Limited, the card issuer, every time you make a card purchase, at no extra cost to you
No Annual Fee
Representative 16.9% APR (variable)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90%

£0.00*Annual Fee

5.0

Manchester United FC Credit Card

Red Rewards: You could win fantastic Manchester United 'money can't buy' prizes simply by using your MU credit card
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
No Annual Fee
Paperless Statements
Fraud Protection
Representative 16.9% APR (variable)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

WWF Visa Credit Card

Make a difference at no extra cost to you with the WWF credit card! WWF receives contributions from MBNA Europe Bank Limited, the card issuer, for every card purchase made. Over £10 million has been raised to date!
WWF will send you a beautiful soft toy to match the animal on your card when you spend over £100 within 90 days of the account opening.
You will also be entitled to a 10% discount on WWF's collection of eco-friendly gifts and products when you shop at WWF.
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

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

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

Virgin Money Monthly Prepaid Visa Card

No bank account needed, and no credit checks
It's a secure way to shop - online, by phone and in store
It makes budgeting easy
Great discounts at Virgin companies
A choice of 'Pay as you go' or 'Pay monthly' tariffs

£10.00Opening Min

£9.95*App Fee

£0.00*Annual Fee

N/AATM 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 12 months on all other shopping
0% for the first 12 months on balance transfers (+3% fee)
Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere
Representative Example: 16.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.9%.

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

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
Representative 16.9% APR (variable)
No mileage expiration

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0

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 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

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

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

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)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

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