Compare no annual fee credit cards

No fee credit cards let you enjoy a range of benefits without paying a yearly or monthly account fee. Depending on the type of card you choose, you can enjoy no fees for the life of the card or zero fees for a promotional period (such as the first year you have the card). Use this guide to learn how no annual fee credit cards work and compare the features, benefits and drawbacks to find the right no annual fee credit card for you.

Comparison of cards with no annual fee

• Balance transfer cards
• 0% Purchase cards
• Credit builder cards

Table: sorted by length of 0% balance transfer offer, promoted deals first

Data updated daily

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Name	Product	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Rep. APR	Incentive	Link
M&S Bank Transfer Plus Mastercard		0% for 25 months reverting to 19.9%	2.85% (min. £5) for 3 months reverting to 3% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% (variable)	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. 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).	Check eligibility More Info	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card		0% for 25 months reverting to 21.9%	2.85% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months reverting to 19.9%	0%, transfers must be made within the first 3 months of account opening	0% for 3 months reverting to 19.9% p.a. (variable)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months reverting to 19.9%	0%, transfers must be made within the first 3 months of account opening	0% for 3 months reverting to 19.9% p.a. (variable)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
Santander Everyday Credit Card		0% for 18 months reverting to 20.9%	0% for 18 months reverting to 3% (min. £5)	0% for 3 months reverting to 20.9%	£0	20.9% (variable)	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers. Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	2.9% (min. £5) for transfers in first 60 days	0% for 18 months reverting to 22.9%	£0	22.9% (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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 16 months reverting to 19.9%	2.9% (min. £5) at anytime reverting to 3% (min. £5)	0% for 18 months reverting to 19.9%	£0	19.9% (variable)	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. 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).	Check eligibility More Info	Compare	loading Fetching your data...
Sainsbury's Bank Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 21.95%	3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% (variable)	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card		0% for 28 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money 28 Month Balance Transfer Credit Card Mastercard		0% for 28 months reverting to 21.9%	2.7% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
first direct Credit Card		0% for 27 months reverting to 18.9%	2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)	18.9%	£0	18.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank 26 Month Low Balance Transfer Fee Credit Card Mastercard		0% for 26 months reverting to 21.95%	2% (min. £3) for 3 months reverting to 1% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% (variable)	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa		0% for 24 months reverting to 20.6%	0%	0% for 4 months reverting to 20.6%	£0	20.6% (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).	More Info	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard		0% for 24 months reverting to 21.9%	1.25% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card		0% for 23 months reverting to 19.95%	1.5% for 3 months reverting to 5%	0% for 9 months reverting to 19.95%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 19.9%	1.99%	0% for 3 months reverting to 19.9%	£0	19.9% (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).	More Info	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 19.9%	1.99%	0% for 3 months reverting to 19.9%	£0	19.9% (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).	More Info	Compare	loading Fetching your data...
Ulster Bank Longer Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 19.9%	1.99%	0% for 3 months reverting to 19.9%	£0	19.9% (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).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card		0% for 22 months reverting to 19.95%	1.99% for 3 months reverting to 5%	0% for 9 months reverting to 19.95%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		0% for 22 months reverting to 19.94%	1.99% for 3 months reverting to 5%	0% for 9 months reverting to 19.94%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Balance Transfer Card		0% for 22 months reverting to 20.94%	2.99% for 22 months reverting to 4%	20.94%	£0	20.9% (variable)	1 point 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Barclaycard Platinum 21 Month No Fee Balance Transfer Visa		0% for 21 months reverting to 21.9%	0.9% for 2 months reverting to 1%	0% for 6 months reverting to 21.9%	£0	21.9% (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
TSB Platinum Purchase Card		0% for 20 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 20 months reverting to 20.93%	2.99% for 2 months reverting to 5%	0% for 20 months reverting to 20.93%	£0	20.9% (variable)	Introductory 0% purchase offer only applies to purchases made within 60 days of opening. Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 21.9%	2.9% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 20 months reverting to 21.95%	3% (min. £3)	0% for 20 months reverting to 21.95%	£0	21.9% (variable)	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Premier Credit Card		0% for 18 months reverting to 18.9%	1.4% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% (variable)	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 18 months reverting to 18.9%	2.9% (min. £5) at anytime reverting to 3% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% (variable)	Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard		0% for 18 months reverting to 19.9%	0.49%	0% for 3 months reverting to 19.9%	£0	19.9% (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).	More Info	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer Offer		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% (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).	More Info	Compare	loading Fetching your data...
Barclaycard Platinum 18 Month 0% Purchase and Balance Transfer Visa		0% for 18 months reverting to 21.9%	2.9% for 2 months reverting to 3%	0% for 18 months reverting to 21.9%	£0	21.9% (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury’s Bank No Balance Transfer Fee Credit Card		0% for 18 months reverting to 21.95%	0% for 3 months reverting to 1% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% (variable)	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 19.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 19.94%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 19.95%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 19.95%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 19.95%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 19.95%	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card		0% for 17 months reverting to 20.95%	3% (min. £3)	0% for 17 months reverting to 20.95%	£0	20.9% (variable)	Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).		Compare	loading Fetching your data...
Virgin Money 16 Month Balance Transfer Credit Card Mastercard		0% for 16 months reverting to 27.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	£0	27.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	More Info	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		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% (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).	More Info	Compare	loading Fetching your data...
Tesco Bank All Round Card		0% for 15 months reverting to 20.94%	1.99% for 15 months reverting to 4% (min. £3)	0% for 15 months reverting to 20.94%	£0	20.9% (variable)	1 point 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard		0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	£0	22.9% (variable)	Receive 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	More Info	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card		0% for 12 months reverting to 22.93%	4% for 2 months reverting to 5%	22.93%	£0	22.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard		0% for 12 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 12 months reverting to 27.9%	£0	27.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	More Info	Compare	loading Fetching your data...

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Table: sorted by length of 0% purchases offer, promoted deals first

Data updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR	Incentive	Link
Santander All in One Credit Card		0% for 20 months reverting to 17.9%	0% for 26 months (0% fee)	£3 per month	23.7% (variable)	0.5% cashback 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 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 18 months reverting to 19.9%	0% for 16 months (2.9% fee)	£0	19.9% (variable)	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. 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).	Check eligibility More Info	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	0% for 18 months (2.9% fee)	£0	22.9% (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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility More Info	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 6 months (2.9% fee)	£0	19.9% (variable)	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. 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).	Check eligibility More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		0% for 24 months reverting to 19.944%	21.814% (4% fee)	£7.99 per month	37.7% (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 21.9%	0% for 20 months (2.9% fee)	£0	21.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
TSB Platinum Purchase Card		0% for 20 months reverting to 19.95%	0% for 20 months (2.95% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 20 months reverting to 21.95%	0% for 20 months (3% fee)	£0	21.9% (variable)	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 20 months reverting to 20.93%	0% for 20 months (2.99% fee)	£0	20.9% (variable)	Introductory 0% purchase offer only applies to purchases made within 60 days of opening. Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Purchases Card		0% for 18 months reverting to 20.94%	0% for 3 months (2.99% fee)	£0	20.9% (variable)	1 point 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% (variable)	0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account. 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).	More Info	Compare	loading Fetching your data...
Barclaycard Platinum 18 Month 0% Purchase and Balance Transfer Visa		0% for 18 months reverting to 21.9%	0% for 18 months (2.9% fee)	£0	21.9% (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card		0% for 17 months reverting to 20.95%	0% for 17 months (3% fee)	£0	20.9% (variable)	Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).		Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 19.94%	0% for 17 months (2.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 19.95%	0% for 17 months (2.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
first direct Gold Credit Card		0% for 17 months reverting to 16.9%	16.9% (2.9% fee)	£0	16.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 19.95%	0% for 17 months (2.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank All Round Card		0% for 15 months reverting to 20.94%	0% for 15 months (1.99% fee)	£0	20.9% (variable)	1 point 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% (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).	More Info	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard		0% for 12 months reverting to 27.9%	0% for 12 months (2.9% fee)	£0	27.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	More Info	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard		0% for 10 months reverting to 26.95%	0% for 10 months (2.95% fee)	£0	26.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money Travel Credit Card		0% for 9 months reverting to 21.9%	0% for 9 months (2% fee)	£0	21.9% (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		0% for 9 months reverting to 19.94%	0% for 22 months (1.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months (2.9% fee)	£0	18.9% (variable)	Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Premier Credit Card		0% for 9 months reverting to 18.9%	0% for 18 months (1.4% fee)	£0	18.9% (variable)	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card		0% for 9 months reverting to 19.95%	0% for 23 months (1.5% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card		0% for 9 months reverting to 19.95%	0% for 22 months (1.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 21.9%	0% for 6 months (2% fee)	£0	21.9% (variable)	Earn up to 10 points for every £1 spent at selected retailers and 1 point for every £5 spent elsewhere. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year for first 5 years. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Barclaycard Platinum 21 Month No Fee Balance Transfer Visa		0% for 6 months reverting to 21.9%	0% for 21 months (0.9% fee)	£0	21.9% (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Barclaycard Business Premium Plus Credit Card Mastercard		0% for 6 months reverting to 14.9%	N/A	£150 per annum	49.4% (variable)	0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account. If less than £10 Cashback earned in any Cashback Year, it will not be credited to the account and will not be carried forward to the following year. Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £150 per annum, your representative rate is 49.4% APR (variable).	More Info	Compare	loading Fetching your data...

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Name	Product	Annual/monthly fees	Min credit limit	Max credit limit	Minimum income	Rep. APR	Incentive	Link
TSB Classic Credit Card Mastercard		£0	£500	Not specified	Not specified	26.9%	Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Foundation Card		£0	£100	Subject to status	£5000	27.5%	Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel. Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card		£0	£250	Subject to status: £1,500	Not specified	29.5%	Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	£250	Subject to status: £1,000	Not specified	29.8%	You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000. Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	More Info	Compare	loading Fetching your data...
Amazon Classic Mastercard		£0	£500	Not specified	Not specified	29.9%	Be upgraded to the Amazon Platinum Mastercard if you make at least one transaction a month, make repayments on time and stay within credit limit in the first 12 months.. Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Classic Credit Card Visa		£0	£250	Subject to status: £1,000	£6800	29.9%	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 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	More Info	Compare	loading Fetching your data...
Barclaycard Forward Credit Card		£0	£50	Subject to status: £1,200	£3000	33.9%	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 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	More Info	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		£0	£500	Not specified	£8400	34%	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	More Info	Compare	loading Fetching your data...
aqua Advance credit card		£0	£250	Subject to status: £1,200	Not specified	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	More Info	Compare	loading Fetching your data...
Fluid Credit Card		£0	£250	Not specified	Not specified	34.9%	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).	More Info	Compare	loading Fetching your data...
Post Office Money® Classic Credit Card Mastercard		£0	£200	Subject to status: £8,000	Not specified	34.9%	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).	More Info	Compare	loading Fetching your data...
Marbles Mastercard		£0	£250	Not specified	Not specified	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	More Info	Compare	loading Fetching your data...
Capital One Classic Credit Card		£0	£200	Subject to status: £1,500	Not specified	34.9%	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).	More Info	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	More Info	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	More Info	Compare	loading Fetching your data...
aqua Classic Credit Card		£0	£250	Not specified	Not specified	37.9%	Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	£150	Subject to status: £1,000	Not specified	39.9%	Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	More Info	Compare	loading Fetching your data...
thinkmoney credit card		£0	£200	Subject to status: £1,500	Not specified	39.9%	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).	More Info	Compare	loading Fetching your data...
opus card		£0	£250	Not specified	Not specified	39.9%	Representative example: When you spend £1,200 at a purchase rate of 39.95% (variable) p.a., your representative rate is 39.9% APR (variable).	More Info	Compare	loading Fetching your data...
Ocean Credit Card		£0	£200	Subject to status: £1,500	Not specified	39.9%	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).	More Info	Compare	loading Fetching your data...
Cashplus Credit Card		£0	£100	Subject to status: £3,000	Not specified	49.9%	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).	More Info	Compare	loading Fetching your data...
Origin Credit Card		£0	£150	Subject to status: £1,500	Not specified	59.9%	Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).	More Info	Compare	loading Fetching your data...

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What is a no annual fee credit card?

A no annual/monthly fee credit card doesn’t charge you for account maintenance, which is ideal if you want to keep your costs low or if you don’t use your card regularly and can’t justify paying high fees.

Credit cards that involve an annual or monthly fee typically come with more rewards than no-fee cards, so consider how you use your card. It may be the case that added benefits such as travel insurance or cashback on purchases outweigh the expense of the fees involved.

Promotional offers and perks available on no annual fee credit cards

If you want more benefits than just savings on your credit card’s annual/monthly fee, compare credit cards that couple zero fees with anything from a 0% balance transfer offer to a rewards programme.

No annual fee credit cards with a 0% balance transfer offer

Balance transfer credit cards let you move debt from an existing credit card to a new card with a low or 0% promotional interest rate. With no annual/monthly fee and a low or 0% balance transfer offer, you could have a cost-free way to consolidate your debts.

What should I consider before applying for a card?

If you’re interested in getting a no annual/monthly fee credit card now, ask yourself these questions to help compare your options:

• How often do you use your credit card? If you rarely use a credit card but still want one for unplanned expenses or emergencies, a no annual/monthly fee option will give you the features that you need without burning a hole in your pocket while you’re not using it.
• Do you carry a balance? No annual/monthly fee credit cards sometimes have higher interest rates than others, which can mean it takes longer – and is more expensive – to clear a balance. If that’s the case, you might want to consider a low interest credit card instead.
• Do you have existing debt? If you have existing debt, getting a no annual/monthly fee credit card could tempt you to spend more money than you can afford. Aim to pay off your current debts, or consider a balance transfer credit card to save money on interest charges.
• What credit card benefits do you want? No annual/monthly fee credit cards sometimes have fewer perks than other options. If you’re interested in features such as rewards programmes and complimentary insurance, make sure you look at a range of cards and consider these factors as well as the annual or monthly fee so that you can find an option that suits all of your needs.
• Will you use the credit card after the zero annual/monthly fee promotion ends? If the card comes with no annual fee for a promotional period, consider whether you want to use the card once the introductory period ends. If the card doesn’t have a competitive interest rate or extra features to outweigh the annual/monthly fee cost, you might want to consider switching cards to a zero fee option before the annual fee applies.

Benefits and drawbacks of zero annual/monthly fee credit cards

Benefits

• Save money on your credit card. The most obvious perk of these cards is that you won’t pay an annual or monthly fee. This could save you a significant amount over the life of the card.
• Practical. Without the extra perks and additional benefits, no annual/monthly fee credit cards can be ideal for emergencies and when extra credit is required.
• Promotional offers and deals. Some no annual/monthly fee credit cards come with promotional offers, frequent flyer programmes and other perks that you’d regularly have to pay a yearly fee to access.

Drawbacks

• Higher interest rates. Credit card companies may charge higher ongoing interest rates on no annual/monthly fee credit cards. This could add to your costs if you regularly carry a balance from month to month.
• Fewer extra features. While some no annual/monthly fee cards do come with frequent flyer programmes and other benefits, they usually have fewer features than cards that charge annual or monthly fees.
• Temporary £0 annual fee. Unfortunately, not all of these cards offer no annual/monthly fee for the life of the card. If your card only offers zero fees for a promotional period, make sure you know when the standard annual fee will apply and how much it is to avoid any surprise costs.

As there are many types of zero annual/monthly fee cards on the market, it’s important to consider your financial situation and how you intend to use the card. Make sure to consider not only the conditions of the fee, but also the other features, benefits and costs of the card before you apply.

Answers to the most popular questions

• If I have a credit card with a promotional annual fee offer, can I cancel the card before having to pay the annual fee?

  This is possible as long as you don’t have a balance on the card and cancel it before the annual or monthly fee is applied. Contact your provider to confirm exactly when the fee is charged so you don’t accidentally pay it before cancelling the card.

• When do you normally pay the annual fee on a credit card?

  The way you pay the fee depends on your bank and the type of credit card you have. Some credit cards involve a monthly fee, which will be added to your monthly statement. Banks which charge annual fees may charge the full year’s fee upon account activation, or break it down into smaller regular payments. You can either pay the fee in full, or over time, as you would pay for any other purchase on your credit card.

• When will the annual fee be charged if I get a credit card that offers no annual fee in the first year?

  If you have a card with a promotional no annual fee offer, the fee will usually apply 12 months after you were approved for the card. If you don’t want to pay this fee when the offer ends, confirm with your bank when the annual fee will be charged and cancel your card before that time.

• Is there any way to extend my annual fee waiver?

  Some banks will waive annual fees for an extended period if you take out another product with them, such as a loan, savings account or mortgage. You can also ring your bank and simply ask if they’ll consider waiving your fees for longer – they want to retain happy customers, after all.

• What is the best no annual fee credit card?

  Because everyone has different preferences and needs, there is no such thing as the “best” no annual/monthly fee credit card. Instead, you should consider whether or not zero fees are a promotional offer or an ongoing feature, and the other costs and features that come with the card. Make sure that the card is an affordable and functional way to manage your finances before you apply.

• I want a no annual fee credit card for travel. What other features should I consider?

  To keep your travel costs down, you may want to consider a credit card with no annual or monthly fees and no overseas transaction fees, or a card that offers complimentary travel insurance. Also, make sure that the card you’re using is accepted wherever you’re travelling and that it isn’t restricted by economic sanctions.

• Is there a business credit card with no annual fee?

  Many business credit cards offer no annual fee promotions. Business credit cards can often charge high annual fees and/or rates of interest, as they tend to come with a lot of extra features.

• Can I get a no annual fee credit card if I have lots of debt or bad credit?

  Having a bad credit rating can limit your chances of being approved and getting the card.