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.




2 cards

Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
More: | 1 | 2 | 3 | 4 |

 

BT Cash Credit Card

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)

0%* Intro APR

13 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0


BT Retail Credit Card

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)

0%* Intro APR

10 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.0


Miles & More American Express® credit card from MBNA

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

0%* Intro APR

12 months*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

5.0


Tesco Clubcard Credit Card

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

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

N/A* Intro APR

N/A*Intro Period

Representative APR: 7.90% Variable

£0.00*Annual Fee

5.0


Sainsbury's Mastercard for Nectar Card Holders

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

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%.

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90% Variable

£0.00*Annual Fee

4.0


RBS Student MasterCard®

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%.

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90% Variable

£0.00*Annual Fee

4.0


Halifax Purchase Offer Credit Card

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.

0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5


Lloyds TSB Airmiles Duo MasterCard

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%.

0%* Intro APR

6 months*Intro Period

Representative APR: 15.90% Variable

£0.00*Annual Fee

4.5


Lloyds TSB Airmiles Duo AMEX Card

Lloyds TSB Airmiles Duo AMEX Card
  • 1 Airmile for almost every £1 you spend for the first 3 months
  • 1 Airmile for almost every £10 you spend after that
  • Double Airmiles abroad
  • 0% interest on balance transfers for 6 months (3% fee) Minimum spend of £100 in the first 3 months applies
  • 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%.

0%* Intro APR

6 months*Intro Period

Representative APR: 15.90% Variable

£0.00*Annual Fee

4.5


Bank of Scotland Plus Card

Bank of Scotland Plus Card
  • 0% for 13 months on balances transfers (3% fee applies)
  • 0% for 3 months on purchases
  • Master Card benefits package
  • 59 days grace period
  • Representative Example: Based on borrowing £1,200 repaid over 12 months the representative rate would be 16.9% APR (variable). The purchase rate is 16.94% pa (variable). Credit limits and interest rates will vary based on your individual circumstances.

0%* Intro APR

See T&C*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5


Bank of Scotland Purchase Offer Credit Card

Bank of Scotland Purchase Offer Credit Card
  • For current account holders
  • 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).

0%* Intro APR

See T&C*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5


MBNA Visa® Card with Cashback

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%.

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.90%

£0.00*Annual Fee

4.0


NatWest World MasterCard®

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)

0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0


RBS World MasterCard®

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)

0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0


Bank of Scotland Advantage Credit Card

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)

0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.0


Halifax Balance Transfer Credit Card

Halifax Balance Transfer Credit Card
  • 0% for the first 22 months on balance transfers up to £3,000* (3.5% fee applies)
  • 0% for the first 3 months on purchases
  • 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)

0%* Intro APR

See T&C*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5


Barclaycard Platinum Transfer Card

Barclaycard Platinum Transfer Card
  • 0% interest on balance transfers for 21 months from account opening (3.0% handling fee applies)
  • Plus, refund offer which reduces handling fee to equivalent of 2.6% for everyone (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: 17.5% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 17.5%.

0%* Intro APR

21 months on BT*Intro Period

Representative APR: 17.50% Variable

£0.00*Annual Fee

4.5


Capital One Transfer Card

Capital One Transfer Card
  • 0% on balance transfers for 10 months
  • 0% on purchases for 6 months
  • A credit limit of up to £16,000
  • 2.9% balance transfer fee
  • Representative Example: Assuming a credit limit of £1,200 and an interest rate on purchases of 16.83% p.a. variable, you will receive a 16.8% APR representative variable.

0%* Intro APR

10 months on BT*Intro Period

Representative APR: 16.80% Variable

£0.00*Annual Fee

4.5


More: | 1 | 2 | 3 | 4 |


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