Credit card charges

Whether it’s the annual fee, currency conversion costs or balance transfer fee, find out everything you need to know to avoid credit card charges in the UK and overseas.

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Updated

Jun 29, 2022

Fact checked

Credit cards have a wide range of features and benefits, but also come with many different fees and charges. These costs quickly add up and can lead to serious credit card debt when they’re left unchecked.

The good news is that you can avoid most credit card fees if you’re aware of them. Here, we outline the most common credit card fees, how much they’re worth and what you can do to stop or minimise their impact on your card.

Card surcharge ban

Surcharges on paying by credit or debit card were banned in the UK and EU on 13 January 2018. This means you cannot be charged more by a business for choosing to pay via card, PayPal or mobile payment methods, rather than paying in cash or another method. All transactions should be treated equally.

Prior to the law change, retailers (particularly online companies) regularly imposed a surcharge to the customer, charging them a set fee or percentage for processing their transaction via debit or credit card. These were often called a “processing fee” or “payment fee” by the retailer. For example, buying a long-haul flight for £800 could include a £24 credit card processing fee at 3%.

Some retailers have got around the ban by imposing a “service” or “admin” fee. As long as this applies to all transactions, regardless of payment method, it is allowed. However, you may find you are charged a surcharge when using your debit or credit card outside the EU.

The ruling applies to personal credit cards, and not to corporate cards.

Interest rate

Credit cards charge interest when you carry a balance. The amount you pay is based on a percentage of your balance. This percentage is represented by an annual rate, such as 19.99% p.a., but is calculated daily and charged monthly. Depending on your card, you could have any or all of the following interest rates applied to your balance:

Purchase rate. This is the interest rate charged for new purchases made on the card and can be anywhere from 5.9% to 49.9%.
Cash advance rate. This is the interest rate applied for cash advance transactions, such as cash machine withdrawals. It is usually between 23.9% and 44.95% and generally starts accruing immediately (unlike the interest-free days on purchases each statement period).
Balance transfer rate. This is the interest rate applied to any balance you have moved from an old card to the current card. If you get a balance transfer credit card, you will usually pay a low or 0% promotional rate for the introductory period. Standard balance transfer rates (after the intro period) are usually based on the card’s cash advance or purchase rate and can be as high as 69.95%.
Promotional interest rate. A 0% interest rate is usually offered to new cardholders for a set period of time, usually between 12 and 28 months, but sometimes longer. If you’re looking at getting a card with a promotional interest rate for purchases and/or balance transfers, make sure you also check the standard interest rate that’s applied after it ends.

How to avoid it

If you pay your balance in full by the due date on your statement, you won’t be charged interest. But if you do carry a balance, aim to pay more than the minimum each month or choose a card that has a low ongoing interest rate, or a 0% promotional interest rate. These strategies will help you keep costs down, at least in the short term.

Example: Jake's interest savings

Jake had a credit card with a £5,000 balance and an interest rate of 19.99%. By only making minimum payments on this card, he would be charged around £955 in interest for the year.

Jake decided to switch to a card that offers a low ongoing interest rate of 12.99%, meaning he could save around £354 in interest over the course of the year. He could save even more money by making larger repayments. Jake would also be able to avoid interest charges completely if he transferred the debt to a 0% balance transfer card and paid it off before the end of the introductory period.

* This is a fictional, but realistic, example.

Compare 0% purchase credit cards

The cards below are sorted by their representative APRs, and the length of their 0% on purchases offer period, but if you’re interested in comparing the cards by a different feature, you can re-order the table.

Name	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	0% for 15 months (2.99% fee, min £5 fee)	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 24.9%	0% for 16 months (3.49%, min £5 fee)	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 15 months reverting to 23.9%	0% for 15 months (0% fee)	£3 per month	29.8% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 6 months reverting to 23.9%	0% for 6 months (2.99%, min £5 fee)	£0	23.9% APR (variable)	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min) Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 24 months reverting to 19.94%	21.81% (3.99% fee)	£7.99 per month	37.7% APR (variable)	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (0% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum all-rounder Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 21 months reverting to 24.9%	0% for 18 months (2.99% fee)	£0	24.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.94%	0% for 18 months (3.49% fee)	£0	23.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.94%	0% for 15 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.94%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 22.95%	0% for 15 months (1.45% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Dual Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 13 months reverting to 23.9%	0% for 16 months (3% fee)	£0	23.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 12 months reverting to 29.9%	0% for 12 months (3% fee)	£0	29.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Post Office Classic Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for up to 12 months reverting to 34.94% (subject to status)	0% for up to 12 months reverting to 34.94% (subject to status) (2.9% fee)	£0	34.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
first direct Gold Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 12 months reverting to 24.9%	24.9% (0% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...

Balance transfer fees

Some balance transfer credit cards charge a fee for moving your existing debt from a current card to the new account, usually between 1% and 3% of the total debt you move. Balance transfer fees get charged as soon as you transfer a balance and get added to the principal amount of the debt you transferred, not accruing interest until the 0% introductory period expires.

How to avoid it

Compare balance transfer credit cards and look for options that don’t charge a balance transfer fee. Often, these cards that don’t charge a fee offer a shorter interest-free introductory period than the ones that do charge. Remember, the fee should be listed in the “Fees” section for any card you consider. You can also find out the fee by looking at a credit card’s summary box or fees breakdown.

Example: Move your debt and save like Maryam

Maryam has seen a balance transfer credit card that offers 0% interest for 20 months and charges a 2.5% balance transfer fee. She has a £6,000 debt she wants to move, but would have to have a £150 transfer fee added to her balance if she got this new credit card. Instead of applying, Maryam compares a range of balance transfer options and finds a different card that doesn't charge a balance transfer fee. This means she can transfer her debt, save money in the process and pay off her balance faster.

* This is a fictional, but realistic, example.

Compare balance transfer credit cards

Table: sorted by representative APR, promoted deals first

Name	Ratings	Finder rating	Customer rating	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 28 months reverting to 23.9%	2.99% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 26 months reverting to 23.9%	3% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	2.99% fee, min £5	0% for 18 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 24.9%	2.99%	0% for 17 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 16 months reverting to 24.9%	3.49%, min £5	0% for 18 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 14 months reverting to 24.9%	0%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 14 months reverting to 24.9%	2.99%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 24.9%	3.49% fee, min £5	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 24.9%	2.99%	0% for 17 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	0% for 15 months reverting to 3% (min. £5)	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 15 months reverting to 19.9%	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 18 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 20.6%	3% (minimum £5)	0% for 4 months reverting to 20.6%	£0	20.6% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 22.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 22.95%	2.95% for 3 months reverting to 5%	0% for 3 months reverting to 22.95%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 22.95%	1.45% for 3 months reverting to 5%	0% for 15 months reverting to 22.95%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 22 months reverting to 22.94%	1.99% for 3 months reverting to 5%	0% for 6 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 23.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 23.94%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...

Annual fees

Some credit cards charge an annual fee (or occasionally a monthly fee), which can cost as little as £3 or as much as £450. The more features and benefits a credit card has – such as a rewards program, complimentary travel insurance or airport lounge access – the more likely it is to have a high annual fee.

Annual fees usually start when you first activate a card, and can be charged monthly or annually every year you have the card. Some cards also waive this fee in the first year as an introductory bonus, so be sure to check the ongoing rates and fees before you apply.

How to avoid it

If you take advantage of credit card perks, you could find that the value they offer outweighs the cost of the annual fee. Otherwise, you should consider a card that offers a lower fee or one that charges no annual fee for life.

Example: How Alexandra avoided annual fees

Alexandra was paying an annual fee of £199 for her platinum rewards credit card. While she earned 1 point per £1 spent on the card, she only spent about £12,000 per year on her card. This was just enough points to get a £100 gift card, which meant Alex was paying £99 more for the card than what she got from the benefits.

After realising this, Alexandra switched to a no annual fee rewards credit card, which meant she can save between £99 and £199 on the card and still get rewards.

* This is a fictional, but realistic, example.

Compare no annual fee credit cards

Table: sorted by representative APR, promoted deals first

Name	Ratings	Finder rating	Customer rating	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 28 months reverting to 23.9%	2.99% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 24.9%	3.49% fee, min £5	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 26 months reverting to 23.9%	3% (min. £5)	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 17 months reverting to 24.9%	2.99%	0% for 17 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 24.9%	2.99%	0% for 17 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 16 months reverting to 24.9%	3.49%, min £5	0% for 18 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	2.99% fee, min £5	0% for 18 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 14 months reverting to 24.9%	0%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 14 months reverting to 24.9%	2.99%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Barclaycard Platinum 29 Month Balance Transfer Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 29 months reverting to 24.9%	3.45%	24.9%	£0	24.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 23.94%	3.49% for 2 months reverting to 5%	23.94%	£0	23.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 20.6%	3% (minimum £5)	0% for 4 months reverting to 20.6%	£0	20.6% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 22.95%	2.95% for 3 months reverting to 5%	0% for 3 months reverting to 22.95%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 24 months reverting to 23.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for up to 24 months reverting to 34.94%	3%	0% for 3 months reverting to 34.94% (subject to eligibility)	£0	34.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 23 months reverting to 23.94%	3.49% for 3 months reverting to 5%	0% for 6 months reverting to 23.94%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Longer Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 23 months reverting to 24.9%	3.49%	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 22 months reverting to 22.94%	1.99% for 3 months reverting to 5%	0% for 6 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	0% for 15 months (2.99% fee, min £5 fee)	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
first direct Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	24.9%	0% for 20 months (2.29% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	29.3%	0% for 9 months (2.9% fee)	£0	29.3% APR (variable)	Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Credit Builder Credit Card Visa	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	34.5%	N/A	£0	34.5% APR (variable)	Representative example: When you spend £1,000 at a purchase rate of 34.5% (variable) p.a., your representative rate is 34.5% APR (variable).	Read review	Compare	loading Fetching your data...
The Elfin Card	Not yet rated	Not yet rated	Not yet rated	14.8%	N/A	£0	14.8% APR (variable)	If you withdraw £1,200 from your credit line and make no early repayments, you will pay £173.52 in interest over two years at a representative APR of 14.8%. Total amount repayable: £1,373.52.	Read review	Compare	loading Fetching your data...
Barclaycard Select Business Charge Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis		N/A	£42 per annum	3.6% APR (variable)	Access exclusive offers through Barclaycard Business Rewards. Including, but not limited to, exclusive pre-sale tickets plus discounts on hotel bookings, dining out and car hire. Terms apply.	Go to site Read review	Compare	loading Fetching your data...
Coutts and Co Silk Charge Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis		N/A	£0	N/A (this product is a charge card).	Coutts Concierge service that gives you 24/7 access to expert help and advice, from flight information, tickets, accommodation, car hire, emergency currency lost passports, messaging and interpretation services.	Read review	Compare	loading Fetching your data...
ASOS credit card (in partnership with Capital One)	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 3 months, reverting to 34.94%	N/A	£0	34.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Payhawk Corporate Visa Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis		N/A	Subject to subscription	N/A (this product is a charge card).	Earn up to 1% cashback on all eligible card spend up to the amount of your subscription.	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	34%	34% (0% fee)	£0	34% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month Balance Transfer Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 3 months reverting to 29.9%	0% for 12 months (3% fee)	£0	29.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Argos Classic Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 3 months reverting to 39.94%	39.94% (5% fee)	£0	39.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Read review	Compare	loading Fetching your data...
AMEX Business Branded Content	User survey ★★★★★	★★★★★ User rating	Not yet rated		N/A		APR (variable)		Go to site	Compare	loading Fetching your data...
Bank of China (UK) Great Wall International Classic Credit Card Visa	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	17.1%	N/A		18.5% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. your representative rate is 18.50% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	26.9%	0% for 6 months (3% fee)	£160 per annum	69.7% APR (variable)	Earn 15,000 bonus points with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts) Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 69.7% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 24.9%	0% for 17 months (0% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Clydesdale Bank Business Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	16.9%	N/A	Year 1 - £0, Year 2 onwards - £28 per annum	22.4% APR (variable)	Receive discounts at participating retailers with the Mastercard Business Savings scheme. Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £28 per annum, your representative rate is 22.4% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Limited Platinum Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	13.94%	13.94% (5% (0% fee if transfer is completed within the first 90 days) fee)	£0	13.9% APR (variable)	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 13.94% (variable) p.a., your representative rate is 13.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Ratings	Finder rating	Customer rating	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
HSBC Student Credit Card Visa Additional account needed	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £500.	Not specified	18.9%	Available alongside an HSBC Student Account (receive £100 and a 1-year subscription to Headspace when you open a new student account). Representative example: When you spend £500 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Barclaycard Forward Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £50, max. limit £1,200.	£3000	33.9%	Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year. Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
AIB Student Credit Card Additional account needed	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £300, max. limit not specified.	Not specified	12.9%	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Student Credit Card Additional account needed	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,000.	Not specified	21.9%	Representative example: When you spend £1,000 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	Not specified	28.9%	Representative example: When you spend £1,200 at a purchase rate of 28.95% (variable) p.a., your representative rate is 28.9% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,000.	Not specified	29.3%	Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Everyday Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit not specified, max. limit not specified.	Not specified	29.4%	3 Nectar points per £2 spent in Sainsbury's, Argos, Habitat and Tu clothing, and 1 Nectar point for every £5 spent elsewhere. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Read review	Compare	loading Fetching your data...
Tymit Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £15,000.	Not specified	29.9%	Representative Example: 29.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £100, max. limit not specified.	£5000	29.9%	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Onmo Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	Not specified	29.9%	Representative example: Assumed credit limit £1,200. Interest rate 29.9% p.a. (variable). Representative 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card	Finder score ★★★★★ User survey