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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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)

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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)

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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)

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0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

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

Lloyds TSB Airmiles Duo Credit Card

1 mile for every £10 you spend with the Lloyds TSB American Express card*
1 mile per £50 you spend with the Lloyds TSB MasterCard*
0% interest on balance transfers for 6 months (3% fee) Minimum spend of £100 in the first 3 months applies**
Double miles when you use your Credit Cards abroad
Apply and be accepted for the Credit Cards online to get a 1,500 Airmile voucher
No annual fee
Representative Example: 15.9% 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

6 months*Intro Period

Representative APR: 15.90% Variable

£0.00*Annual Fee

4.5

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

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

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

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

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

Halifax Purchase Offer Credit Card

0% for the first 13 months on balance transfers (3% balance transfer fee applies)
0% for the first 13 months on new purchases
No annul fee
5 card colours: pink, black, red, white, or blue Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.94% pa (variable). Halifax, The Mound, Edinburgh EH1 1YZ.

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0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5

Lloyds TSB Airmiles Duo MasterCard

1 mile per £50 you spend with the Lloyds TSB MasterCard
0% interest on balance transfers for 6 months (3% fee) Minimum spend of £100 in the first 3 months applies
Double Airmiles abroad
Apply and get a 1,500 Airmile voucher
No annual fee
Accepted at 29.9 million places worldwide
Representative Example: 15.9% 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

6 months*Intro Period

Representative APR: 15.90% Variable

£0.00*Annual Fee

4.5

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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.

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