Best No Fee Credit Cards UK | Cards with no annual fee

Updated Apr 25, 2022. What changed?

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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	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Santander Everyday Long Term Balance Transfer Credit Card	0% for 33 months reverting to 21.9%	2.65% (min. £5) for 33 months reverting to 3% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Earn 1% cashback on purchases made between 13 June and 18 September 2022 when using your card abroad. 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 Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card	0% for 33 months reverting to 21.9%	2.7% (min. £5) for 2 months reverting to 2% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	0% for 32 months reverting to 21.9%	1.99% (min. £5) for 3 months reverting to 2.75% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Low Fee Credit Card	0% for 28 months reverting to 21.9%	1% fee, min £5	0% for 3 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	0% for 24 months reverting to 21.9%	2.9% (min. £5)	0% for 24 months reverting to 21.9%	£0	21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card (existing customers only)	0% for 23 months reverting to 21.9%	2.49%	0% for 23 months reverting to 21.9%	£0	21.9% APR (variable)	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 Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)	0% for 23 months reverting to 21.9%	2.49%	0% for 23 months reverting to 21.9%	£0	21.9% APR (variable)	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 Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa	0% for 23 months reverting to 22.9%	2.9% (min. £5) for transfers in first 60 days	0% for 23 months reverting to 22.9%	£0	22.9% 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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card (existing customers only)	0% for 22 months reverting to 21.9%	0%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	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 Read review	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (existing customers only)	0% for 22 months reverting to 21.9%	0%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	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 Read review	Compare	loading Fetching your data...
Santander Everyday No Balance Transfer Fee Credit Card	0% for 21 months reverting to 21.9%	0% for 21 months reverting to 3% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Earn 1% cashback on purchases made between 13 June and 18 September 2022 when using your card abroad. 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 Read review	Compare	loading Fetching your data...
HSBC No Fee Balance Transfer Credit Card Visa	0% for 20 months reverting to 21.9%	0%	21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Rewards Offer Mastercard	0% for 12 months reverting to 19.9%	2.9% (min. £5)	0% for 12 months reverting to 19.9%	£0	19.9% APR (variable)	Double points on spend in M&S for first year (2 points per £1). Then 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card	0% for 34 months reverting to 21.94%	2.89% for 3 months reverting to 5%	0% for 9 months reverting to 21.94%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card	0% for 34 months reverting to 21.94%	2.99% for 2 months reverting to 5%	21.94%	£0	21.9% 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 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 34 Month Balance Transfer Credit Card Mastercard	0% for 34 months reverting to 21.95%	2.88% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 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).	Read review	Compare	loading Fetching your data...
Tesco Bank Balance Transfer Card	0% for 33 months reverting to 21.94%	2.59% for 33 months reverting to 3.99%	21.94%	£0	21.9% APR (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 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 33 Month Balance Transfer Credit Card Mastercard	0% for 33 months reverting to 21.9%	2.94% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 31 Month Balance Transfer Credit Card Mastercard	0% for 31 months reverting to 21.9%	1.98% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 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).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum 30 Month Balance Transfer Credit Card	0% for 30 months reverting to 21.9%	2.98%	21.9%	£0	21.9% APR (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).	Read review	Compare	loading Fetching your data...

Compare up to 4 providers

Name	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Credit Card Rewards Offer Mastercard	N/A	2 points per £1 spent	1 point per £5 spent	£0	19.9% APR (variable)	Double points on spend in M&S for first year (2 points per £1). Then 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	N/A	1 point per £1 spent	1 point per £5 spent	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	N/A	1 point per £1 spent	1 point per £5 spent	£0	21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card	2,500 points	10 points per £1 spent	1 point per £5 spent	£0	21.9% APR (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).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award	£100	1% cashback	1% cashback	£0	25.3% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. 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 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	5,000 points	1 point per £1 spent	1 point per £1 spent	£0	25.3% APR (variable)	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The American Express Rewards® Credit Card Finder Award	10,000 points	1 point per £1 spent	1 point per £1 spent	£0	25.3% APR (variable)	As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter. Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Low APR Card	N/A	1 point per £4 spent	1 point per £8 spent	£0	9.9% APR (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 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa	N/A	1 point per £2 spent	1 point per £3.33 spent	£0	18.2% APR (variable)	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year. Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Options 1 Credit Card	£25	0.5% cashback	0.5% cashback	£0	18.9% APR (variable)	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent. 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).	Read review	Compare	loading Fetching your data...
HSBC Premier Credit Card	N/A	1 point per £1 spent	1 point per £1 spent	£0	18.9% APR (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).	Read review	Compare	loading Fetching your data...
smile Classic Credit Card	N/A	0.25% cashback	0.25% cashback	£0	19.9% APR (variable)	0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account. 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...
Halifax Cashback Credit Card Mastercard	£20	0.5% cashback	0.5% cashback	£0	19.9% APR (variable)	0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January 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 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Cashback Credit Card Mastercard	£20	0.5% cashback	0.5% cashback	£0	19.9% APR (variable)	0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January 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 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard	N/A	N/A	N/A	£0	20.9% APR (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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Purchases Card	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	20.9% APR (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).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card	10,000 points	3 points per £1 spent	1 point per £5 spent	£0	20.9% APR (variable)	Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened. 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).	Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card	N/A	1 point per £4 spent	1 point per £8 spent	£0	20.9% APR (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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Balance Transfer Card	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	21.9% APR (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 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury’s Bank No Balance Transfer Fee Credit Card	7,500 points	2 points per £1 spent	1 point per £5 spent	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 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).	Read review	Compare	loading Fetching your data...

Compare up to 4 providers

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

Name	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
M&S Bank Shopping Plus Credit Card	0% for 24 months reverting to 21.9%	0% for 24 months (2.9% fee)	£0	21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	0% for 23 months reverting to 18.9%	0% for 26 months (0% fee)	£3 per month	24.7% 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 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)	0% for 23 months reverting to 21.9%	0% for 23 months (2.49% fee)	£0	21.9% APR (variable)	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 Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card (existing customers only)	0% for 23 months reverting to 21.9%	0% for 23 months (2.49% fee)	£0	21.9% APR (variable)	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 Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa	0% for 23 months reverting to 22.9%	0% for 23 months (2.9% fee)	£0	22.9% 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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Rewards Offer Mastercard	0% for 12 months reverting to 19.9%	0% for 12 months (2.9% fee)	£0	19.9% APR (variable)	Double points on spend in M&S for first year (2 points per £1). Then 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Check eligibility Read review	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% APR (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).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard	0% for 24 months reverting to 19.944%	21.814% (3.99% fee)	£7.99 per month	37.7% APR (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).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual 24 Month Offer Credit Card Mastercard	0% for 24 months reverting to 21.95%	0% for 24 months (2.88% fee)	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 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).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	0% for 24 months reverting to 21.94%	0% for 24 months (2.89% fee)	£0	21.9% 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 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa	0% for 24 months reverting to 21.9%	0% for 22 months (2.9% fee)	£0	21.9% APR (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).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	0% for 23 months reverting to 21.9%	0% for 23 months (2.49% fee)	£0	21.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
Tesco Bank Purchases Card	0% for 23 months reverting to 20.94%	0% for 3 months (2.99% fee)	£0	20.9% APR (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).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard	0% for 21 months reverting to 21.94%	0% for 18 months (2.99% fee)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card	0% for 20 months reverting to 20.94%	0% for 20 months (1.99% fee)	£0	20.9% APR (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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 19 Month All Round Credit Card Mastercard	0% for 19 months reverting to 21.9%	0% for 19 months (2.9% fee)	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	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% APR (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).	Read review	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% APR (variable)	Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened. 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).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	0% for 17 months reverting to 21.94%	0% for 17 months (2.99% fee)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	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% APR (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).	Read review	Compare	loading Fetching your data...

Compare up to 4 providers

Table: sorted by representative APR, promoted deals first

Name	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
Tesco Bank Foundation Card	£0	Min. limit £100, max. limit not specified.	£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).	Read review	Compare	loading Fetching your data...
The Credit Thing card	£0	Min. limit £200, max. limit £1,500.	Not specified	27.9%	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).	Read review	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard	£0	Min. limit £500, max. limit not specified.	Not specified	27.9%	Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
Keebo credit card Finder Award	£0	Min. limit £200, max. limit £5,000.	Not specified	27.98%	Representative example: When you spend £1,200 at a purchase rate of 27.98% (variable) p.a., your representative rate is 27.98% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card	£0	Min. limit £250, max. limit £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).	Read review	Compare	loading Fetching your data...
Amazon Classic Mastercard	£0	Min. limit £500, max. limit 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).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card	£0	Min. limit £250, max. limit £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 £1,000 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...
Bip Credit	£0	Min. limit £250, max. limit not specified.	Not specified	29.9%	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).	Read review	Compare	loading Fetching your data...
Marbles Card	£0	Min. limit £250, max. limit £1,200.	Not specified	32.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable). Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Aqua Classic Credit Card	£0	Min. limit £250, max. limit £1,200.	Not specified	32.9%	Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Vanquis Bank Balance Transfer Credit Card Visa	£0	Min. limit £150, max. limit £1,500.	Not specified	33.5%	Representative example: When you spend £1,000 at a purchase rate of 33.5% (variable) p.a., your representative rate is 33.5% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Forward Credit Card	£0	Min. limit £50, max. limit £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).	Read review	Compare	loading Fetching your data...
Wave Credit Card Mastercard	£0	Min. limit £100, max. limit £1,750.	£12000	33.9%	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).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card	£0	Min. limit £500, max. limit 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).	Read review	Compare	loading Fetching your data...
Post Office Classic Card	£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...
Aqua Advance credit card	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad. 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).	Read review	Compare	loading Fetching your data...
Aqua Classic Balance Transfer Card	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Zopa Credit Card Visa	£0	Min. limit £200, max. limit £2,000.	£10000	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Fluid Credit Card	£0	Min. limit £250, max. limit 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).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card	£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...

Compare up to 4 providers

Approval for any credit card will depend 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 the life of the card or zero fees for a promotional period (such as the first year you have the card). Credit cards with no ongoing fees can help keep your costs low, and are more affordable if you don’t use your card regularly and therefore can’t justify paying high fees.

However, 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.

Credit card jargon explained

Annual fee. Sometimes known as an account fee, this is a flat fee you pay each year in order to use your credit card. However, this generally only applies to premium cards, and many credit cards have no annual or ongoing fees.
APR. The annual percentage rate (APR) is designed to be a benchmark for consumers, providing an annual summary of the cost of your card. As well as the interest, the APR also takes into account any compulsory charges – like an account fee (if there is one). However, crucially, providers only have to award the advertised APR to 51% of those who take out the credit card – the other 49% could be offered a different (higher) rate, at the provider’s discretion. That’s why it’s often referred to as the representative APR.
Interest rate. This is the percentage rate you may be charged on purchases or other card transactions if you don’t pay them off within your interest-free period. Interest rates can be either fixed or variable, meaning they can stay the same, or go up and down, over time.

What is the best no annual fee credit card?

There isn’t one no annual fee credit card that will be best for everyone, and having no annual fee is just one of the features you should look for when comparing credit cards. Understanding what you want to get out of your credit card is the most important factor when choosing the best credit card for you.

For example, if you’re looking to earn rewards on your everyday spending, you might want to consider a cashback or rewards credit card, while if you’re looking to cover the cost of a large purchase, or move an existing debt, a 0% purchase or balance transfer card might be a better option.

Once you’ve decided on the type of card that best suits your needs, you can then take any annual fees into account when comparing cards.

How to choose the best no annual fee credit card

When it comes to choosing the type of credit card that’s right for you, you should keep the following questions in mind:

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.

Pros and cons of no annual fee credit cards

Pros

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.

Cons

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 or 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.

Credit card cost comparison

Credit card limit: £2,000

Outstanding balance: £5000
Interest rate:19.9%
Monthly repayment: £50
Total interest: £47

Credit card limit: £2,000

Outstanding balance: £500
Interest rate: 29.9%
Monthly repayment: £50
Total interest: £71

Check which cards you’re eligible for

Frequently asked questions

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Thank you for your feedback!

Chris Lilly

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Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

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4 Responses

D.GMay 14, 2018

I am looking for a credit card with no monthly/yearly fee. I don’t intend to use it, it is purely to enhance my credit score. Is this a good idea?

Reply
- finder Customer Care
  
  JoshuaMay 14, 2018Staff
  
  Hi D.G,
  
  Thanks for getting in touch with finder. I hope all is well for you. :)
  
  It is worth noting that every time you open a new credit card account, it could cost a few credit score points. Thus, the mere action of opening one can affect your score.
  
  If you don’t intend to use it and you consistently have a zero balance, there’s a chance that your issuer will stop reporting to the credit bureau or worse, close the account. So, in this case, it won’t improve your score and worse, it might even decrease it.
  
  To improve your credit score, you may do the following:
  
  – Order a copy of your credit report. Request a free credit report from the major bureaus to stay on top of making sure that lenders see only the most accurate picture of your financial health. Confirm that your personal information, employment data, open accounts and balances and other financial details are current and accurate. If you discover any errors, dispute them with the three credit bureaus and the provider that reported them.
  – Pay down your credit card accounts. Your overall credit score is determined by many variables, including your credit utilization rate. To indicate to lenders that you’re a responsible borrower, only carry a balance with a utilization of 30% or less. For example, if your credit limit is $1,000, keep your balance below $300, which is 30% of your limit.
  – Don’t attempt to open new accounts until your score improves. Every time you apply for credit, it’s listed on your credit report and pulls down your score. By waiting, you can take advantage of better interest rates.
  – Avoid hastily closing unused accounts. While this sounds like a good strategy in theory, having only newer accounts will result in a lower score. Lenders want to see a long history of credit in your report.
  
  I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
  
  Have a wonderful day!
  
  Cheers,
  Joshua
  
  Reply
Kai-uweMarch 16, 2018

Hello, I would like to get a credit card with the lowest costs. I need it just for the UK, purchasing in supermarkets, coffees etc..

Reply
- finder Customer Care
  
  JoshuaMarch 25, 2018Staff
  
  Hi Kai-uwe,
  
  Thanks for getting in touch with finder.
  
  I would like to share with you three pages from our website to help you make a better decision. One option is by looking for no annual fee credit cards. You will find your options on this page.
  
  Next, explore our low interest rate credit cards. On that page, you should be able to get more familiar with credit cards with low interest.
  
  Finally, please go to this page to compare 0% Purchase Credit Card offers.
  
  All the pages I mentioned above will help you find the credit card with the lowest cost.
  
  I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
  
  Have a wonderful day!
  
  Cheers,
  Joshua
  
  Reply

Compare no annual fee credit cards

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

Compare up to 4 providers

Compare up to 4 providers

Compare up to 4 providers

Compare up to 4 providers

What is a no annual fee credit card?

Credit card jargon explained

What is the best no annual fee credit card?

How to choose the best no annual fee credit card

Pros and cons of no annual fee credit cards

Pros

Cons

Credit card cost comparison

Credit card limit: £2,000

Credit card limit: £2,000

Frequently asked questions

Chris Lilly

More guides on Finder

Ask an Expert

4 Responses

Compare no annual fee credit cards

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

In this guide

Guides

We compare the following card issuers

Compare up to 4 providers

Compare up to 4 providers

Compare up to 4 providers

Compare up to 4 providers

What is a no annual fee credit card?

Credit card jargon explained

What is the best no annual fee credit card?

How to choose the best no annual fee credit card

Pros and cons of no annual fee credit cards

Pros

Cons

Credit card cost comparison

Credit card limit: £2,000

Credit card limit: £2,000

Frequently asked 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?

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

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

Is there any way to extend my annual fee waiver?

What is the best no annual fee credit card?

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

Is there a business credit card with no annual fee?

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

Chris Lilly

More guides on Finder

Ask an Expert

4 Responses

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