Compare no annual fee credit cards

Pay on plastic and save on card costs with a no annual fee credit card.

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Learn more about annual fees How credit card fees work

Finding a credit card with no annual or ongoing fees can help keep your overall card costs down. Use the table below to compare balance transfer, 0% purchase, credit builder and rewards credit cards with no annual fee.

Table: sorted by length of 0% balance transfer offer, promoted deals first
Name Product Rating Finder score Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
Santander Everyday Long Term Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
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
M&S Bank Credit Card Transfer Plus Offer Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
0% for 26 months reverting to 24.9%
3.49%, min £5
0% for 3 months reverting to 24.9%
£0
24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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HSBC Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 24 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.
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Royal Bank of Scotland Longer Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
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).
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NatWest Longer Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
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
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
2.99%
0% for 19 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
NatWest Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
2.99%
0% for 19 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
HSBC Purchase Plus Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
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.
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Name Product Rating Finder score Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Incentive Link
M&S Bank Credit Card Transfer Plus Offer Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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American Express® Rewards Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
10,000 points
1 point per £1 spent
1 point per £1 spent
£0
31% APR (variable)
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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British Airways American Express® Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
31% APR (variable)
Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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Amex® Cashback Everyday Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
£125
1% cashback
1% cashback
£0
31% APR (variable)
New Cardmembers get 5% cashback on your purchases (up to £125) for the first 5 months of Cardmembership. Offer ends 9 April 2024. Terms and minimum spend apply. 18+, subject to status. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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Yonder Credit Card (no fee)
Not yet rated
Not yet rated
N/A
5 points per £1 spent
1 point per £1 spent
£0
32.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).
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Table: sorted by length of 0% purchases offer, promoted deals first
Name Product Rating Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
0% for 19 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
NatWest Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
0% for 19 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
HSBC Purchase Plus Credit Card
Finder score
★★★★★
★★★★★
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
Santander All in One Credit Card
Finder score
★★★★★
★★★★★
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. Maximum of £10 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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
Finder score
★★★★★
★★★★★
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).
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Table: sorted by representative APR, promoted deals first
Name Product Rating Finder score Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Additional account needed
HSBC Student Credit Card Visa
Finder score
★★★★★
★★★★★
Expert analysis
£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
Additional account needed
AIB Student Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
£0
Min. limit £300, max. limit not specified.
Not specified
12.9%
Representative example: When you spend £1,200 at a purchase rate of 12.2% (variable) p.a., your representative rate is 12.9% APR (variable).
Additional account needed
TSB Student Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
£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).
TSB Classic Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
£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).
Sainsbury's Bank Everyday Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
£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).
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Table: sorted by representative APR, promoted deals first
Name Product Rating Finder score Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
The Royal Bank Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
£0
Min. limit £250, max. limit not specified.
£10000
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).
Go to site
NatWest Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
£0
Min. limit £250, max. limit not specified.
£10000
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).
Go to site
Yonder Credit Card (no fee)
Not yet rated
Not yet rated
£0
Min. limit not specified, max. limit not specified.
£25,000
32.9%
Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).
The Ulster Bank Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
£0
Min. limit £350, max. limit not specified.
£10000
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).
Coutts & Co Silk Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
£0
Min. limit not specified, max. limit not specified.
Not specified
14.7%
Thank You From Coutts - as spending increases cardholders automatically become eligible for a choice of gifts.
Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

What is a no annual fee credit card?

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 th