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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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

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

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

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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

MBNA AMEX® Card with CashBack

Double cash back on your supermarket and fuel purchases (Earn 1.5% cash back on supermarket and fuel purchases and 0.75% on all other card purchases)*
No cap on how much cash back you can earn
No annual fee
Complimentary Additional Cards
Representative Example: 18.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 18.9%.

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N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90%

£0.00*Annual Fee

4.5

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)

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0%* Intro APR

10 months*Intro Period

Representative APR: 12.92% Variable

£0.00*Annual Fee

4.0

Egg Visa Credit Card

Balance Transfers: 0% interest until 1 April 2012 on balances transferred before 1 May 2011 (3% fee applies).*
Access to the Egg Cash Back Store with cash back offers and discounts from over 1,900 well-known online retailers including supermarkets, fashion and entertainment retailers, hotels and travel agents.**
Purchases: 0% interest until 1 May 2011.*
Plus insurances: included as standard to protect the things you buy - purchase protection and internet delivery guarantee insurance.***
17.9% APR representative variable

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0%* Intro APR

up to 14 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5

Post Office® Master Card

0% on balance transfers for the first 14 months
0% on purchases for the first 3 months
0% commission on purchases overseas
0% on new balance transfers for 12 months again and again
Representative Example: 16.9% APR Representative (variable). Based on 2.98% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.

0%* Intro APR

up to 14 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

Nationwide Gold Credit Card

Commission free purchases abroad
Up to 56 days interest-free credit
0% APR on purchases for 3 months
0% APR on Balance Transfers for 17 months
Free purchase cover for loss, theft or damage to most purchases over £50
12 month warranty on many gas or electrical products Peace of mind for all cardholders with Nationwide Fraud Watch.
Representative Example: 15.9% APR Representative (variable). Based on 2.95% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 15.9%.

0%* Intro APR

17 months on BT*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

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

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

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

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

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

RBS Platinum Credit Card

0% balance transfers for 20 months
0% interest on purchases for 6 months from account opening
3.2% Balance transfer fee – (minimum £5)
1% off the APR for Royalties Gold customers
Free additional cardholder
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: 17.90% Variable

£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
No Annual Fee
Representative 16.9% APR (variable)

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0%* Intro APR

12 months on BT*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

UNICEF Credit Card

UNICEF 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
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
No Annual Fee
Representative 16.9% APR (variable)

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0%* Intro APR

12 months on BT*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

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)

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0%* Intro APR

10 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0

RSPCA Credit Card

For more than 180 years the RSPCA has been working to relieve the suffering of animals. Take out an RSPCA card today and MBNA Europe Bank Limited, the card issuer, will make a payment of £20 to the RSPCA. After that, for every £100 spent on card purchases, we receive 25p and it won't cost you a penny extra.
As little as £3 can help to pay towards our animal rescues, £10 could help to pay for treatment of an abused animal and £25 could help to pay for a loving new home for an abandoned kitten. With the RSPCA Credit Card, it’s not only the animals we rescue that benefit. Read on to find out more about how you could also benefit.
0% on balance transfers for 12 months (3% handling fee)
0% on card purchases for 3 months
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

4.5

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