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No Fee Credit Cards

No Annual Fee Credit Cards

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AIB

Options 1

4.1

OUR RATING

Representative APR

18.9% APR (variable)

Purchases

17.44% (variable) p.a.

Balance Transfers

17.44% (variable) p.a. (1.50% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 17.44% (variable) p.a., most accepted customers get a rate of 18.9% APR (variable).

4.1

OUR RATING

Quick Look

The AIB Options 1 credit card features an easy cashback scheme, where customers must spend a minimum of £5,000 to earn the first £25 cashback. It also offers one of the few credit cards with low cash withdrawal charges of just 1.5%, making it suitable for users seeking rewards alongside cost-effective cash access.

Issuer AIB
Network Visa or Mastercard
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening This cashback card has no annual fee and also comes with low cash withdrawal charges.
Cashback rate (if applicable) £1 is earned for every further £200 spent. There is a minimum requirement of 12 transactions per year. A maximum cap of £250 cashback is paid per year.
Account Fees £0
Purchases 17.44% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 17.44% (variable) p.a. (1.50% fee)
Balance Transfer Fee (%) 1.50%
Cash Advances 17.44% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Amex® Cashback Everyday

4.2

OUR RATING

Representative APR

29.4% APR (variable)

Purchases

29.4% (variable) p.a.

Balance Transfers

29.4% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., most accepted customers get a rate of 29.4% APR (variable).

4.2

OUR RATING

Quick Look

The American Express UK Amex® Cashback Everyday credit card offers cashback on purchases. With no annual fee, this card provides a straightforward rewards system where all cashback earned is a bonus.

Issuer American Express UK
Network American Express
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening Get 5% cashback on your purchases (up to £125) for the first five months of card membership.
Cashback rate (if applicable) After the introductory period, you will earn 0.50% for £1 to £10,000 of yearly spend and 1.00% after £10,001 of yearly spend (minimum yearly spend £3,000)
Account Fees £0
Purchases 29.4% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.4% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Rewards Credit Card

4.5

OUR RATING

Representative APR

29.4% APR (variable)

Purchases

29.4% (variable) p.a.

Balance Transfers

29.4% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., most accepted customers get a rate of 29.4% APR (variable).

4.5

OUR RATING

Quick Look

The American Express UK Rewards credit card offers a straightforward rewards program with no annual fees. Cardholders can redeem points via PayPal and other partners, including Amazon, Boots, and Currys PC World. The card typically features a welcome bonus and a referral scheme for earning extra points.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Earn 10,000 bonus Membership Rewards® points when you spend £2,000 in first 3 months of cardmembership. Referral scheme which earns you 4000 points for every successful referral.
Cashback rate (if applicable) Earn 1 Membership Rewards point for every £1 spent
Account Fees £0
Purchases 29.4% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.4% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 0.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Asda Money

Credit Card

3.4

OUR RATING

Representative APR

29.9% APR (variable)

Purchases

29.9% (variable) p.a.

Balance Transfers

29.9% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.9% (variable) p.a., most accepted customers get a rate of 29.9% APR (variable).

3.4

OUR RATING

Quick Look

The Asda Money credit card is suitable for everyday purchases at Asda, allowing cardholders to collect points on their spending. It comes with no annual fee and offers a maximum credit limit of £5,000.

Issuer Asda Money
Network Visa
Primary Category Rewards
Loyalty Scheme Asda Rewards
Incentive on opening Get £20 in your Cashpot when you spend at least £50 in the first 60 days and set up a direct debit. Offer available for a limited time only.
Cashback rate (if applicable) Get 0.75% back on your Asda spend and 0.2% back everywhere else.
Account Fees £0
Purchases 29.9% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.9% (variable) p.a.
Balance Transfer Fee (%) 0.00%
Cash Advances 34.1% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £5,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Asda Money

Select Credit Card

4.4

OUR RATING

Representative APR

44.8% APR (variable)

Purchases

39.8% (variable) p.a.

Balance Transfers

39.8% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 39.80% (variable) p.a., most accepted customers get a rate of 39.8% APR (variable).

4.4

OUR RATING

Quick Look

The Asda credit card is aimed at customers looking to build or improve their credit history. It offers a maximum credit limit of up to £5,000. While there are no annual fees, the card includes a rewards scheme that becomes available after 90 days of account use.

Issuer Asda Money
Network Visa
Primary Category Credit Building
Loyalty Scheme Asda Rewards
Incentive on opening Get £20 in your Cashpot when you spend at least £50 in the first 60 days and set up a direct debit. Offer available for a limited time only.
Cashback rate (if applicable) Get 0.75% back on your Asda spend and 0.2% back everywhere else.
Account Fees £0
Purchases 39.8% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 39.8% (variable) p.a.
Balance Transfer Fee (%) 0.00%
Cash Advances 44.80% (variable) p.a. (fees apply)
Minimum Credit Limit £ 250.00
Maximum Credit Limit Subject To Status: £5,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Bank of Scotland

Platinum 0% Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for 17 months reverting to 24.94% (variable) p.a.

Balance Transfers

0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The Platinum 0% Purchase & Balance Transfer card is suitable for individuals looking for an extended 0% interest period on both purchases and balance transfers. It may help with spreading the cost of larger expenses or consolidating existing balances, provided the balance is repaid before the promotional period ends.

Issuer Bank of Scotland
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for 17 months reverting to 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

All Rounder Platinum

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 19 months

Balance Transfers

0% for 22 months then 24.94% (variable) p.a. (3.45% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The All Rounder Platinum credit card is an option for those seeking extended interest-free periods on both purchases and balance transfers. It also comes with the added benefit of no annual fees, making it a flexible choice for managing short- to mid-term borrowing.

Issuer Barclaycard
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on all purchases for up to 19 months and 0% for 22 months for balance transfers.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 19 months
Purchases Interest Free Period 56 days
Balance Transfers 0% for 22 months then 24.94% (variable) p.a. (3.45% fee)
Balance Transfer Fee (%) 3.45%
Cash Advances 24.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

Forward Credit Card

4.3

OUR RATING

Representative APR

33.9% APR (variable)

Purchases

0% for up to 6 months, then 33.90% (variable) p.a.

Balance Transfers

0% for up to 6 months, (2.9% transfer fee) and then 29.54% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 33.90% (variable) p.a., most accepted customers get a rate of 33.9% APR (variable).

4.3

OUR RATING

Quick Look

The Forward Barclaycard has a representative APR of 33.9% variable and is positioned as a credit builder option. It offers 0% interest on purchases for the first 3 months. There are no annual fees, and it includes a price promise: if you make all payments on time during the first year, your interest rate may be reduced by 3%.

Issuer Barclaycard
Network Visa
Primary Category Credit Building
Loyalty Scheme
Incentive on opening Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 6 months, then 33.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for up to 6 months, (2.9% transfer fee) and then 29.54% (variable) p.a.
Balance Transfer Fee (%) 2.90%
Cash Advances 33.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

The Amazon Barclaycard

3.7

OUR RATING

Representative APR

28.9% APR (variable)

Purchases

0% for 6 months, then 28.90% (variable) p.a.

Balance Transfers

Not available

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 28.9% (variable) p.a., most accepted customers get a rate of 28.9% APR (variable).

3.7

OUR RATING

Quick Look

The Amazon Barclaycard is designed for frequent Amazon shoppers, offering no annual fees while allowing cardholders to earn Amazon Rewards points. Additionally, the card provides 0% interest on purchases for the first 6 months, making it a good choice for making new purchases interest free.

Issuer Barclaycard
Network Visa
Primary Category Rewards
Loyalty Scheme Amazon Rewards
Incentive on opening Get a £20 Amazon Gift Card added to your Amazon account upon approval.
Cashback rate (if applicable) Get 1% back in rewards when you shop on Amazon; 0.5% back everywhere else; Amazon Prime members get 2% back in rewards during eligible Amazon key shopping events, like Prime Day. Earn £5 in rewards then transfer a £5 Amazon Gift Card to your linked Amazon.co.uk account – or let them keep growing.
Account Fees £0
Purchases 0% for 6 months, then 28.90% (variable) p.a.
Purchases Interest Free Period 57 days
Balance Transfers Not available
Balance Transfer Fee (%)
Cash Advances 28.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Balance Transfer Credit Card

3.6

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

0% for up to 3 months, then 34.94% (variable) p.a.

Balance Transfers

0% for 18 months, then 34.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.6

OUR RATING

Quick Look

This Capital One balance transfer credit card may be suitable for individuals with lower credit scores who are seeking a balance transfer option. It offers a 0% interest period on balance transfers for up to 18 months, helping consumers reduce interest payments while managing existing debt.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening The Capital One Balance Transfer Credit Card offers 0% interest on balance transfers for up to 18 months and on purchases for up to 3 months, helping you manage your existing debt and new spending more affordably.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 34.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 18 months, then 34.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 34.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £8,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Showing 1-10 of 27 No Fee credit cards