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Compare No Annual Fee Credit Cards

Compare credit cards 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. 

Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
  3. It's quick, free and easy
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Popularity APR Balance transfer Purchases
Barclaycard Low Rate Platinum Credit Card

Barclaycard Low Rate Platinum Credit Card

Barclaycard Low Rate Platinum Credit Card

  • Low interest on purchases and balance transfers
  • No annual fee
More info
6.9% APR
Representative (variable)
Representative APR (variable)
—
% interest on transfers
—
%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.9% (variable) per annum, your representative APR is 6.9% APR (variable)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2017 award winner

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
More info
22.9% APR
Representative (variable)
Representative APR (variable)
—
% interest on transfers
—
%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
MBNA 5 Credit Card

MBNA 5 Credit Card

MBNA 5 Credit Card

  • 4.9% p.a. for up to 60 months (5 years) on purchases (8.9% APR thereafter)
  • 4.9% p.a. for up to 60 months (5 years) on balance and money transfers 0.5% fee (8.9% APR thereafter)
  • 4.9% p.a. applies to transfers made in the first 60 days
More info
8.9% APR
Representative (variable)
Representative APR (variable)
60
 months
4.9% interest on transfers
4.9% interest on transfers
0.5%
Transfer fee
60
 months
4.9% interest on purchases
4.9%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers between MBNA accounts

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 8.9% (variable) per annum, your representative APR is 8.9% APR (variable)
HSBC Credit Card

HSBC Credit Card

HSBC Credit Card

  • 0% for 3 months on purchases
  • 1.4% fee applies on Balance Transfers (minimum £5)
More info
18.9% APR
Representative (variable)
Representative APR (variable)
32
 months
0% interest on transfers
0% interest on transfers
1.4%
Transfer fee
3
 months
0% interest on purchases
0%interest on purchases
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
B credit card

B credit card

B credit card

  • Purchases and balance transfers at 9.9% (Variable)
  • No fees for foreign purchases (excludes cash withdrawals)
  • No fees for balance transfers
More info
9.9% APR
Representative (variable)
Representative APR (variable)
—
% interest on transfers
—
%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 9.9% (variable) per annum, your representative APR is 9.9% APR (variable)
M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card

  • 32 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee)
  • 6 months 0% on purchases
More info
18.9% APR
Representative (variable)
Representative APR (variable)
32
 months
0% interest on transfers
0% interest on transfers
0.99%
Transfer fee
6
 months
0% interest on purchases
0%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

  • 0.8% fee for transfers in first 90 days, 3% fee thereafter
  • 12 months 0% on purchases
More info
18.9% APR
Representative (variable)
Representative APR (variable)
32
 months
0% interest on transfers
0% interest on transfers
0.8%
Transfer fee
12
 months
0% interest on purchases
0%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • 3 months 0% on purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
More info
18.9% APR
Representative (variable)
Representative APR (variable)
29
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
3
 months
0% interest on purchases
0%interest on purchases
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin 27 Month All Round Credit Card

Virgin 27 Month All Round Credit Card

Virgin 27 Month All Round Credit Card

  • 27 months 0% for balance transfers, money transfers and purchases
  • 2.70% balance transfer fee
  • 2.70% money transfer fee
More info
18.9% APR
Representative (variable)
Representative APR (variable)
27
 months
0% interest on transfers
0% interest on transfers
2.7%
Transfer fee
27
 months
0% interest on purchases
0%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

  • Up to two optional credit limit increases per year
  • Apply and get a response in 60 seconds
More info
29.8% APR
Representative (variable)
Representative APR (variable)
—
% interest on transfers
—
%interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)
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uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

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.

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.

Learn more from our Credit Card Guides