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Compare no annual fee credit cards

Compare credit cards from 15 companies that do not charge an annual fee and find a free to use card that offers the cheapest rates or the best benefits for you.

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Barclaycard Platinum 24 Month Balance Transfer
Cashback Offer
Barclaycard Platinum 24 Month Balance Transfer
Cashback Offer
19.9% APR
Representative APR (variable)
24 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Get 24 months 0% on transfers with no transfer fee
  • 2% transfer fee refunded to 0% within 28 days
  • £20 cashback when you transfer a balance of £2,000 or more within 60 days of opening your account (terms apply). Offer ends 12 October 2018
To get this card you must at least:
  • be a permanent UK resident
  • be 18 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
Additional criteria for acceptance from the lender may apply.
Sainsbury's Bank 30 month Balance Transfer Credit Card
Sainsbury's Bank 30 month Balance Transfer Credit Card
19.9% APR
Representative APR (variable)
30 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply
  • 1.5% balance transfer fee (minimum £3) on transfers made in the first 3 months. Transfer fee will depend on current offer thereafter.
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder
Additional criteria for acceptance from the lender may apply.
Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card
Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card
24.9% APR
Representative APR (variable)
18 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable)
Card details
  • A balance transfer card for those with limited but good credit history
  • 60 days to transfer balance
  • Free access to your Experian credit score
To get this card you must at least:
  • be a permanent UK resident
  • be 18 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
Additional criteria for acceptance from the lender may apply.
HSBC Dual Credit Card
Cashback Offer
HSBC Dual Credit Card
Cashback Offer
22.9% APR
Representative APR (variable)
26 months
0% interest on balance transfers
26 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Card details
  • 26 months 0% on balance transfers made within the first 60 days
  • 26 months 0% on purchases
  • 2.89% fee applied on Balance Transfers (minimum £5) for balances transferred within the first 60 days
  • £25 cashback between 10 Sept 2018 to 09 Nov 2018 - Subject to terms and conditions
To get this card you must at least:
  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK, Channel Islands or Isle of Man
  • Be over 18, and not hold an HSBC Basic Bank Account
Additional criteria for acceptance from the lender may apply.
HSBC Credit Card
Cashback Offer
HSBC Credit Card
Cashback Offer
19.9% APR
Representative APR (variable)
32 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 32 months 0% on balance transfers made within the first 60 days
  • 1.4% fee applied on Balance Transfers (minimum £5) for balances transferred within the first 60 days
  • £25 cashback between 10 Sept 2018 to 09 Nov 2018 - Subject to terms and conditions
To get this card you must at least:
  • have an annual income/pension before tax of £8,500 or more
  • be a resident of the UK, Channel Islands or Isle of Man
  • be over 18
  • The APR is dependent on your personal circumstances
  • no balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis
Additional criteria for acceptance from the lender may apply.
Halifax 22 Month Balance Transfer Credit Card
Halifax 22 Month Balance Transfer Credit Card
19.9% APR
Representative APR (variable)
22 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • 6 months 0% on purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Halifax
Additional criteria for acceptance from the lender may apply.
thinkmoney Credit Card
thinkmoney Credit Card
35.9% APR
Representative APR (variable)
0 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% APR (variable)
Card details
  • Manage your account online and with a smartphone
  • 60 second eligibility QuickCheck that will not affect your credit score
  • Suitable for people looking to rebuild their credit profile
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit
Additional criteria for acceptance from the lender may apply.
Barclaycard Low Rate Platinum Credit Card
Barclaycard Low Rate Platinum Credit Card
6.9% APR
Representative APR (variable)
0 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 6.9% (variable) per annum, your representative APR is 6.9% APR (variable)
Card details
  • Low interest on purchases and balance transfers
  • No annual fee
To get this card you must at least:
  • be a permanent UK resident
  • be 18 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
Additional criteria for acceptance from the lender may apply.
American Express Platinum Cashback Everyday Credit Card
2017 award winner
American Express Platinum Cashback Everyday Credit Card
2017 award winner
22.9% APR
Representative APR (variable)
0 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Card details
  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
  • No limit to the amount of cashback you can earn in a year
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements
Additional criteria for acceptance from the lender may apply.
MBNA Low Rate Credit Card
MBNA Low Rate Credit Card
8.9% APR
Representative APR (variable)
48 months
4.9% interest on balance transfers
48 months
4.9% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 8.9% (variable) per annum, your representative APR is 8.9% APR (variable)
Card details
  • 4.9% p.a. for up to 48 months (4 years) on purchases (8.9% APR thereafter)
  • 4.9% p.a. for up to 48 months (4 years) on balance and money transfers with a 0.5% fee
  • 4.9% p.a. applies to transfers made in the first 60 days, 8.9% APR and 0.99% fee for any transfers thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts
Additional criteria for acceptance from the lender may apply.

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Frequently asked questions

What is a no annual fee credit card?

It is a no frills form of credit card that does not charge an up-front annual fee to use.

Many cards have no annual fees and making them easy to manage, provided you meet the minimum monthly repayments.

What to watch out for

You will still be charged to use a no-fee credit card, but this will be “hidden” through having fewer card-rewards or higher interest rates.

It is not a “free” to use card as there will still be interest charges and transfer fees to pay, as well as late payment fees if you miss any monthly repayments on due balances.

You could also be charged additional fees for using your card overseas, unless your credit card offers no foreign fees as a benefit. There are specific travel credit cards for this purpose.

Rewards no annual fee credit card?

Typically a no-annual fee card is a simple no-nonsense credit card that just does exactly what it says on the tin, if you want a card simply to make credit purchases with or to transfer a balance to, this is the card for you.

However, you will enjoy less rewards than with a card that charges an annual fee to use, this is the trade-off of having a cheaper card. But many supermarket no annual fee credit cards still do offer retail point schemes that can help you save on your grocery shopping.

Will I get the best interest rates with a no-annual fee credit card?

It's unlikely, the interest rates will typically be slightly higher than a card that charges a fee to compensate, but you should still enjoy competitive interest rates.

With or without an annual fee, getting the best interest rates depends on your credit score, a credit card for those with bad credit can charge interest as high as 59% whereas with good credit can typically be around 15%.

Most cards offer interest free introductory periods, depending on whether it’s a balance transfer or purchase card.

What does 'popularity' mean?

Cards are ranked by the number of clicks they get on the site in the past 48 hours.

The most clicked on cards are at the top, the least at the bottom. This reflects how popular they are with visitors to uSwitch.com.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.

Learn more from our Credit Card Guides