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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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

Virgin Money 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

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

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

BaBeeCard Prepaid Card

Great way to budget, plan & save
Over 100 High Street retailers on board
Card valid for 2 years
Card issue fee is £9.95 includes card purchase and activation
100% Approval

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£10.00Opening Min

£9.95*App Fee

£0.00*Annual Fee

£1.00ATM 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

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

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
16.9% APR typical rate (variable)
Receive 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

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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

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

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
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

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
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

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
Typical rate 16.9% APR variable
Access to a fantastic rewards programme
Earn 1 point for every £1 you spend

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

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.
16.9% APR typical rate (variable).
Online Banking
Fraud Protection

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0%*Intro APR

13 months*Intro Period

16.90%*APR

£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.
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

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
16.9% APR typical rate (variable)
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

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0

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
16.9% APR typical rate (variable)
Paperless Statements
Fraud Protection
No Annual Fee

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

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
16.9% APR typical rate (variable)
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

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£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
16.9% APR typical rate (variable)
No Annual Fee
Paperless Statements
Fraud Protection

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£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
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

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