No annual fee frequent flyer credit cards

Earn points for your spending and save with a frequent flyer credit card that has no annual fee.

Compare frequent flyer credit cards with no annual fee

Table: sorted by representative APR, promoted deals first
Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Credit Card
24.5%
£0
Min. limit £700, max. limit not specified.
24.5% APR (variable)
Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. New Cardmembers Only. 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 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
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Virgin Money Virgin Atlantic Reward Credit Card
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
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).
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If you want to get rewards such as flights and upgrades, a frequent flyer credit card can help by offering you points for your everyday spending. While some of these cards come with an annual fee, there are some without that could save you anywhere from £50 to £500, or even more.

What’s the deal with no annual fee frequent flyer credit cards?

These credit cards give you a way to earn frequent flyer points or reward points that you can transfer to a frequent flyer program. They also help you save money on account costs, with two different no annual fee options.

£0 annual fee in the first year

Some frequent flyer credit cards will offer to waive the standard annual fee in the first year you have the card as part of an introductory offer. After the first 12 months, you’ll be charged a standard annual fee for the account.

This means you have time to test out the card (and enjoy perks such as bonus point offers or complimentary lounge access) without paying an annual fee. If you decide the card is worth it, you can then keep it and pay the fee once it’s applied. If not, you can cancel it before the first year and avoid being charged any annual fee.

No annual fee for life

There is also a small selection of frequent flyer credit cards that offer no annual fee for life. With these cards, you won’t pay an annual fee at all.

The catch is that you may not have as many extra features, such as complimentary travel insurance or lounge access. It’s also less common for frequent flyer cards that offer no annual fee for life to have huge introductory bonus point offers. But if you get one of these cards and pay the balance off each month, it does give you a way to earn frequent flyer points per £1 spent without paying any account fees.

Is a no annual fee frequent flyer credit card right for me?

These cards are for people who want to earn frequent flyer points using a credit card but don’t want to pay an annual fee for the service. They can also be a good starting point if you are new to the world of frequent flyer programs and credit cards because they give you a chance to test the waters without paying any upfront costs.

However, if you’re a big spender, a card with an annual fee and a higher earn rate could give you more value than the savings you’d get from a £0 annual fee.

How can I compare frequent flyer credit cards with no annual fee?

Weigh up these features when you’re looking for a credit card that earns frequent flyer points and has no annual fee.

  • Annual fee details. Before choosing one of these frequent flyer credit cards, check whether the £0 annual fee is for the first year only or an ongoing feature of the card so that you know exactly what you’re getting in the long run.
  • Bonus points. Many frequent flyer credit cards offer thousands of introductory bonus points when you meet the spending requirements as a new cardholder. This could give you a huge amount of value in the first year – especially without an annual fee. Just remember that this value is temporary, so you’ll still need to think about the costs that could apply beyond the first 12 months if you plan to keep the card. To dissuade you from cancelling, some issuers prefer to offer an “anniversary bonus”.
  • Points per £1 spent. The amount of points you’ll earn per £1 can help you figure out how much value you’ll get from the card based on your typical spending. Keep in mind that although you’ll earn points for most everyday purchases, some types of transactions may be exempt.
  • Interest rates. These types of frequent flyer credit cards typically have high interest rates, which could offset the annual fee savings if you carry a balance from month to month.
  • Additional cardholders. If you want to boost your frequent flyer point balance by sharing the account with a partner or family member, check whether they’ll also get the option to have a card with no annual fee. Otherwise, you could end up paying more for the account than what you earn in points.
  • Complimentary extras. Weigh up the value of any perks, such as complimentary insurance, lounge passes or annual travel credit. If the card offers a £0 annual fee in the first year, also consider whether these benefits will outweigh the cost of the standard annual fee once that applies.

Frequently asked questions

Want to know more about frequent flyer credit cards that offer no annual fees? We’ve answered some of the most common questions people ask us about them. If you have a question of your own, you can also get in touch with us using the comment box below.

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.

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