No Annual Fee Cards

Featured No Annual Fee Card: Virgin Money Credit Card
  • Virgin Money Credit Card
  • Rated: 5.0 out of 5
  • Intro APR: 0% up to 14 months*
  • Regular APR: 16.60%*
  • Annual Fee: £0.00*

- 0% for 14 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.98% handling fee applies)
- 0% for 3 months on card purchases* (from the date your account is opened)
- Discounts at loads of Virgin companies
- Discounted vouchers for leading high street stores
- Typical rate 16.6% APR (variable)

* * *

The Virgin credit card is good for consumers having average credit. Benefits include intro rates on purchases, and balance transfers, and discounts on purchases. It comes on the MasterCard(r) network. Read more...

The following credit cards would not charge members an annual fee. Credit cards falling into this category could be designed for consumers of any credit range. No annual fee cards are a great take for individuals looking to save on yearly deductions. Some cards falling into this category still provide members with top grade benefits and features including a rewards program. What’s most important to prospective members is they wouldn’t have to carry on the burden of an annual fee alongside interest rates as these could set back individuals without strong financial footing. No annual fee cards listed below are reserved for the U.K. market.



Open an HSBC Offshore Bank Account In Sterling, US dollars or Euros.

No Annual Fee Cards Listing

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Egg Visa Credit Card
Egg Visa Credit Card
  • Intro APR: 0%*
  • Intro APR Period: up to 14 months*
  • APR: 17.90%*
  • Annual Fee: £0.00*
4.5 out of 5

The Egg Credit Card offers a few exceptional, but basic features that are familiar and well designed. New members in the United Kingdom can take advantage of an extremely attractive low introductory annual percentag rate as well as a low overall variable rate to transfer balances and consolidate debt, or start fresh with a more promising company!

Info Review Benefits Fees
Vanquis Visa Credit Card
Vanquis Visa Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 2 months*
  • APR: 39.90%*
  • Annual Fee: £0.00*
4.0 out of 5

The Vanquis Visa Credit Card is designed for consumers having limited credit who want to take advantage of a card issued to individuals in that category. Members incur no interest on purchases throughout an interest free period.

Info Review Benefits Fees
RBS Platinum Credit Card
RBS Platinum Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 15 months on BT*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.5 out of 5

This RBS credit card is one of the cheapest platinum cards out there. It doesn't charge an annual fee yet cardholders are entitled to many benefits useful to the working professional.

Info Review Benefits Fees
NatWest Platinum Credit Card
NatWest Platinum Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 15 months on BT*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.5 out of 5

Platinum credit cards are known for their high fees but not this one. If you would love to have an easy-to-maintain credit card offering platinum benefits, then this is for you.

Info Review Benefits Fees
RBS Classic Credit Card
RBS Classic Credit Card
  • Intro APR: 4.9%*
  • Intro APR Period: 9 months*
  • APR: 19.90%*
  • Annual Fee: £0.00*
4.0 out of 5

This classic RBS credit card is the perfect idea of a low rate card especially as applied to purchase transactions. It does not charge an annual fee and exorbitant fees.

Info Review Benefits Fees
NatWest Classic Credit Card
NatWest Classic Credit Card
  • Intro APR: 4.9%*
  • Intro APR Period: 9 months*
  • APR: 19.90%*
  • Annual Fee: £0.00*
4.0 out of 5

This classic credit card from NatWest charges a highly competitive rate. Purchases charged to the account over a long term period are subject to an intro rate.

Info Review Benefits Fees
Barclaycard Platinum Visa® Card
Barclaycard Platinum Visa® Card
  • Intro APR: 0%*
  • Intro APR Period: 15 months on BT*
  • APR: 15.90%*
  • Annual Fee: £0.00*
4.5 out of 5

With the Barclaycard Platinum Visa Credit Card, you have one of the best financial packages available in the United Kingdom. Enjoy the same standard rate on purchases and balance transfers as well as attractive introductory rates.

Info Review Benefits Fees
National Trust Credit Card
National Trust Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 12 months*
  • APR: 16.90%*
  • Annual Fee: £0.00*
5.0 out of 5

You can help support the vital conservation network in the United Kingdom with a National Trust Credit Card. It has features that benefit you as well as the National Trust.

Info Review Benefits Fees
Barclaycard Initial Credit Card
Barclaycard Initial Credit Card
  • Intro APR: N/A*
  • Intro APR Period: N/A*
  • APR: 29.90%*
  • Annual Fee: £0.00*
4.5 out of 5

Barclaycard wants to say yes to you. This is why they have designed the Barclaycard Initial Credit Card. If you want something simple that can improve your credit, this might be the card for you.

Info Review Benefits Fees
Sainsbury's Credit Card
Sainsbury's Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 12 months*
  • APR: 15.90%*
  • Annual Fee: £0.00*
5.0 out of 5

Combining the convenience of the Sainsbury's Credit Card with the benefits of your Nectar card affords you shopping experiences like no other. Highly competitive rates make this package even more attractive.

Info Review Benefits Fees
Virgin Purchases Credit Card
Virgin Purchases Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 12 months*
  • APR: 18.90%*
  • Annual Fee: £0.00*
4.0 out of 5

The Virgin Purchases Credit Card gives you plenty of breathing space so you can get more out of your money. It takes only a few minutes to apply online for this card and you could be reaping the rewards soon after!

Info Review Benefits Fees
MBNA 5.9% APR Rate For Life Credit Card
MBNA 5.9% APR Rate For Life Credit Card
  • Intro APR: 5.9%*
  • Intro APR Period: for Life of Balance*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.5 out of 5

The MBNA 5.9% Rate For Life Credit Card, offers a series of low promotional rates that could save you money over the rates of other cards. This card also features many other benefits that you might find attractive.

Info Review Benefits Fees
DogsTrust Credit Card
DogsTrust Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 12 months on BT*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.5 out of 5

You can raise money for Dogs Trust just by using the Dogs Trust Credit Card. It is philanthropy that costs you nothing but the time it takes to pull out your credit card!

Info Review Benefits Fees
HSBC Bank Credit Card
HSBC Bank Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 15 months*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.5 out of 5

The HSBC Bank Credit Card is reserved for consumers having good or excellent credit with a solid history. It incorporates a healthy list of benefits that prove useful for individuals looking to avoid interest rates on purchases and balance transfers.

Info Review Benefits Fees
Miles & More American Express® credit card from MBNA
Miles & More American Express credit card from MBNA
  • Intro APR: 0%*
  • Intro APR Period: 12 months*
  • APR: 16.90%*
  • Annual Fee: £0.00*
5.0 out of 5

With a decent award miles welcome bonus and an easy rewards program, the Miles and More American Express Card from MBNA offers money saving features in a convenient and simple package.

Info Review Benefits Fees
BT Retail Credit Card
BT Retail Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 10 months*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.0 out of 5

The BT Retail Credit Card features outstanding benefits to United Kingdom customers. With the lowest rates around, MBNA Europe Bank Limited offers savings and convenience in a simple credit card package.

Info Review Benefits Fees
MBNA Platinum Plus Dual Credit Card
MBNA Platinum Plus Dual Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 10 months*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.0 out of 5

The MBNA Platinum Plus Dual Credit Card is available to United Kingdom residents looking for credit card savings. Whether you are new to credit or need a new card, you can take advantage of competitive rates and features.

Info Review Benefits Fees
BT Cash Credit Card
BT Cash Credit Card
  • Intro APR: 0%*
  • Intro APR Period: 13 months*
  • APR: 16.90%*
  • Annual Fee: £0.00*
4.0 out of 5

United Kingdom financial customers can save quite a bit of cash with the BT Credit Card. With remarkably low introductory rates and equally impressive average variable rate, this card is suitable for a variety of people.

Info Review Benefits Fees
American Express Express Rewards Card
American Express Express Rewards Card
  • Intro APR: 0%*
  • Intro APR Period: 6 months*
  • APR: 17.90%*
  • Annual Fee: £0.00*
4.5 out of 5

You can earn more points, enjoy richer rewards, and get extra benefits with the American Express Express Rewards Card. There are a variety of ways that you can earn points as well as low introductory rates.

Info Review Benefits Fees



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