No annual fee cards

Some credit card providers offer a free credit card eligibility check before you make a formal application. This allows you to see whether you are likely to be approved for the card without the application appearing on your credit reference file.

However, some credit cards allow you to transfer your balance from your current credit card to another without paying a fee. Typically, a no-annual fee card is a simple no-nonsense credit card that does exactly what it says on the tin.

However, there are better credit card rewards attached to cards that do charge an annual fee - this is the trade-off of having a cheaper card. But that doesn't mean you have to pay to own a rewards card - many supermarket no annual fee credit cards still offer retail point schemes that can help you save on your grocery shopping, for example.

Possibly not. With or without an annual fee, getting the best interest rates depends on your credit score. Your credit score matters more than the fee for ongoing interest charges.

This varies between cards and providers. As the fee is worked out as a percentage, the cost of the transfer fee will rise with the amount you transfer.

APR stands for "annual percentage rate" - it's the interest rate charged on money borrowed on your credit card. It reflects the costs you'll pay over the course of a year and includes any standard fees associated with the card. In most cases, you can avoid paying interest by paying off your credit card balance in full by the due date of every billing cycle.

Yes, but that doesn't mean you'll pay nothing to borrow. First, there may be a fee attached to a credit card balance transfer or money transfer. However, there are two things that might negatively affect your credit worthiness if you're not careful.

Firstly, applying for a new credit card is always recorded on your credit history. This means that if you have an application rejected, or there are multiple applications over a short period of time, other lenders might be nervous. Secondly, lenders look at something called your "total available credit" before making a decision.

This is worked out by adding up all your credit card and overdraft limits. The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch. We compare over credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK. This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through Uswitch.

There are also many credit cards that are only available to people in member organisations and clubs. Our best deals on a range of credit card categories by use:.

Our top credit cards by type, most popular deals and business cards. Your cookie preferences We use cookies and similar technologies. Accept all cookies Select cookie preferences Essential Performance Marketing Functionality Social Save my preferences Accept all cookies.

Compare no annual fee credit cards No annual fee credit cards. Find a card that doesn't charge you for owning it. Compare credit cards with no fees for balance transfers or find a rewards card that doesn't charge you for owning it. Compare credit cards that don't charge an annual fee.

No annual fee credit cards Compare deals on no-fee credit cards, tailored for you. com is rated Excellent by 22, people. See deals. Sort Popularity Lowest APR Longest balance transfer period Longest purchase period. Santander Everyday Long Term Balance Transfer Credit Card. Representative APR variable The standard interest rate on purchases is variable , so if you borrow £1, the Representative APR will be Additional information.

be a permanent UK resident be 18 or older minimum income of £10, have a good credit rating must not be an existing Santander balance transfer credit card customer additional criteria for acceptance from the lender may apply. Terms and conditions apply. This is a new benefit, available to all Barclaycard Visa credit card customers.

be a permanent UK resident be 21 years or over not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt not already hold a Barclaycard credit card best suited to customers with an income of £20, additional criteria for acceptance from the lender may apply.

Santander All in One Credit Card. Virgin Money Travel Credit Card Check eligibility. Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.

Terms apply Accepted worldwide in all Mastercard locations. be 18 or older be a UK resident have good credit history no balance transfers from Clydesdale Bank PLC additional criteria for acceptance from the lender may apply.

be 18 or older be a UK resident have a good credit history no balance transfers from Clydesdale Bank PLC additional criteria for acceptance from the lender may apply.

Capital One Classic Card. Interest on balance transfers Interest on purchases Sign up for free. Credit Cards Shop Credit Cards. Balance Transfer Cards. Reward Cards. Travel Cards. Cash Back Cards. Business Cards.

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Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card

No Annual Fee Credit Cards

No annual fee cards - Our no annual fee Credit Cards and Charge Cards have great benefits aside from saving you money: Enjoy a welcome bonus on selected Cards. Explore American Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card

Confirm details with the provider you're interested in before making a decision. Learn how we maintain accuracy on our site. 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. 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.

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. Understanding what you want to get out of your credit card is the most important factor when choosing the best credit card for you.

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. Chris Lilly is Head of publishing at finder. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money.

In his spare time Chris likes forcing his kids to exercise more. Earn loyalty points and spread the cost of your spending with the Harley-Davidson Classic credit card. Want to avoid fees or integrate with your bookkeeping software? Want to switch your business account and avoid the fees?

Finder spoke with a panel of experts to find out how they think house prices will change throughout the rest of Finder spoke with a panel of experts to gain their opinions on when the base rate is likely to come down during In this annual report, Finder.

com reveals how many UK adults have opened an account with a digital only bank in New research from Finder. com reveals how many Brits plan to adopt a vegan diet in , and how many are already following a vegan diet.

New research reveals how many UK adults are planning to set new years resolutions in , and what are the most popular goals. com reveals how sharing personal information online is putting many Brits at a greater risk of AI fraud. Is this a good idea? 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. 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. Your overall credit score is determined by many variables, including your credit utilization rate.

By waiting, you can take advantage of better interest rates. 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. 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.. 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.

How likely would you be to recommend finder to a friend or colleague? Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions.

While we are independent, the offers that appear on this site are from companies from which finder. com receives compensation.

We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site.

While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products.

Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services.

Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Credit cards. Compare no annual fee credit cards Pay on plastic and save on card costs with a no annual fee credit card. By Chris Lilly. Updated Nov 17, Learn more about how we fact check.

See which cards have no annual fee Compare credit cards now. Learn more about annual fees How credit card fees work. Navigate Credit Cards In this guide.

What is a no annual fee credit card? 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 Frequently asked questions Start comparing. Rewards cards Cashback cards. Frequent flyer points. Airport lounge access.

Low interest rate cards. No annual fee cards. Credit builder cards. Travel credit cards. Student credit cards. Money transfer cards. Business credit cards. Best cards for Updated daily. Finder score methodology. Expert analysis methodology. User rating methodology. Check eligibility Read review.

HSBC Balance Transfer Credit Card. Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Santander Everyday Long Term Balance Transfer Credit Card. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.

Royal Bank of Scotland Longer Balance Transfer Credit Card. Go to site Read review. NatWest Longer Balance Transfer Credit Card. HSBC Purchase Plus Credit Card. NatWest Balance Transfer Credit Card.

Royal Bank of Scotland Balance Transfer Credit Card. Barclaycard Platinum 29 Month Balance Transfer Visa. Offer ends 8 February Read review. Enjoy exclusive offers and rewards on the Virgin Red app. The Co-operative Bank Balance Transfer Credit Card Visa. Not yet rated. TSB Platinum Balance Transfer Card.

Capital One Balance Transfer Mastercard. Ulster Bank Longer Balance Transfer Credit Card. Load More. Compare Clear. Sort by: Name Product Ratings Finder score Customer rating Max. American Express® Rewards Credit Card Finder Credit Cards Customer Satisfaction Awards Earn 1 Membership Rewards® point for every £1 spent thereafter.

Earn up to 90, bonus points per year through refer a friend, 4, points awarded for every friend approved. British Airways American Express® Credit Card Finder Credit Cards Customer Satisfaction Awards Earn 1 Avios for virtually every £1 spent.

Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. Basic card and uses the Referral Programme.

Avios value varies dependent on reward min pts for flights. American Express® Platinum Cashback Everyday Credit Card Finder Credit Cards Customer Satisfaction Awards Terms apply. Spend £0 to £10, and receive 0. Pulse Card Mastercard existing NewDay customers only.

APR variable. Get 0. Tesco Bank Low APR Clubcard Credit Card Finder Credit Cards Customer Satisfaction Awards 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.

MBNA Limited Platinum Visa. Cashback paid January into Card Account. Earn 0. Maximum spend for cashback purposes is limited to credit limit. The Co-operative Bank Members' Credit Card Visa. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.

AIB Options 1 Credit Card. Minimum of 12 transactions per year required. Maximum of £ 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 £ spent. Halifax Cashback Credit Card Mastercard. HSBC Premier Credit Card.

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. HSBC Rewards Credit Card.

Earn 1 point for every £5 spent on purchases. Bonus 2, reward points on anniversary if £10, spent in previous year. Tesco Bank Balance Transfer Card Finder Credit Cards Customer Satisfaction Awards Tesco Bank Clubcard Low Fee Balance Transfer Mastercard Finder Credit Cards Customer Satisfaction Awards Asda Money Credit Card.

Get up to £ in Asda Pounds within the first 90 days when you open a credit card by 11 March 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. Points value varies dependent on reward min pts.

John Lewis Partnership Credit Card. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. Sainsbury's Bank 20 Month Balance Transfer Credit Card Mastercard.

Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction.

Santander All in One Credit Card. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Tesco Bank Clubcard Plus Credit Card Mastercard. Finder Credit Cards Customer Satisfaction Awards Barclaycard Platinum all-rounder Visa.

My thought was pretty simple: I can set up the card to pay off my balance in full at the end of each statement period so that it effectively runs itself. But once I felt comfortable managing the card, I could lean into some extra card features to take advantage of any perks or rewards.

The Chase Freedom — now the Chase Freedom Flex — came highly recommended by a friend of mine, and it was easy to see why. The fact that the card offered so much potential for no annual fee along with a recommendation from a friend made choosing the card a no-brainer.

No-annual-fee credit cards tend to be less complex than annual fee cards, though there are still a few tricks to getting the most out of them. Not all credit cards with annual fees have the long-term value you may need.

However, instead of canceling your card , you can downgrade to a no-annual-fee card. When you downgrade, your credit score is unaffected as it maintains your credit utilization and account age while also avoiding a hard pull. Many cards with annual fees include perks that offset the annual fee, such as higher welcome bonuses, higher rewards rates and travel perks.

However, these perks are only great if you use them. For example, the Chase Freedom Unlimited is one of the best no-annual-fee cash back cards but pairing it with the Chase Sapphire Reserve® for travel rewards can round out your earnings.

Keeping the card open will improve your credit utilization ratio and lengthen your credit history for no yearly charge. When evaluating the best credit cards with no annual fee, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest.

We analyzed over of the most popular credit cards and selected standouts that carry no annual fee. In other words: Does the card earn rewards at a high rate in the most popular spending categories? We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs. With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking. Along with rewards value and cost, we consider other factors that could give cards great long-term value, like flexible rewards redemption and especially unique and valuable perks.

These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards. We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners.

Cards that offer top-tier benefits like airport lounge access or travel credits are likely to stand out, but we also aim to highlight cards that offer valuable under-the-radar perks, like cellphone protection or one-off credits for everyday expenses like dining and streaming services.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.

See the respective Guide to Benefits for details, as terms and exclusions apply. No-annual-fee cards can still have a variety of perks and rewards.

The best perks are ones you will actually use, so choose a card with a rewards program that offers a high rewards rate on the types of spending that you do the most.

Other perks, like purchase protection and insurance coverages, are also included on many no-annual-fee cards. Take time to review all the details and select the one that makes the most sense for you.

For cards that have no annual fee, every benefit that you can take advantage of is a gain since you don't have an annual fee to offset. Start by looking for options that offer a sign-up bonus. If you want to keep your earning simple, look for a card with a high flat rewards rate like the Citi Double Cash® Card.

The card details have not been reviewed or approved by the card issuer. Pairing a no-annual-fee card with other premier cards can help you earn more rewards and fill gaps in your credit portfolio. Some of the best pairings for no-annual-fee cards are flat-rate cards with tiered categories that focus on entertainment and travel or cards within the same issuer.

Some issuers like Chase even let you pool your points from different cards to maximize earnings. We use primary sources to support our work.

Accessed on October 17, Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval. No credit hits.

Your personal information and data are protected with bit encryption. That means:. All of your personal information is protected with bit encryption. Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile. Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties.

You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income.

Why does DTI matter? We need the last four digits of your social security number to run a soft credit pull. We need the last four digits of your Social Security number to run a soft credit pull.

This helps us locate your profile and identify cards that you may qualify for. Your information is protected by bit encryption. A soft credit pull will not affect your credit score. Last step! Once you enter your email and agree to terms:.

Your approval odds will be calculated. A personalized list of cards ranked by order of approval will appear. Your odds will display on each card tile.

Enter your email address to activate your approval odds and get updates about future card offers. You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results. You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer.

To apply for a product you will need to submit an application directly with that provider. Seeing your results won't hurt your credit score.

Applying for a product may impact your score. See partner for complete product terms. Show less. This often happens when the information that's provided is incorrect.

Please try entering your full information again to view your approval odds. Before you apply You get:. Access to special card offers from top issuers in our network. You can check out other cards that are a better fit. Credit Cards No Annual Fee Advertiser Disclosure Advertiser Disclosure Bankrate.

Re'Dreyona Walker. Written by Re'Dreyona Walker Arrow Right Associate Editor, Credit Cards. Tracy Stewart. Edited by Tracy Stewart Arrow Right Senior Editor, Credit Cards. Erica Sandberg. Reviewed by Erica Sandberg Arrow Right Contributor, Credit Cards.

Twitter Linkedin About our review board. Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped put over , cards in people's wallets in Circle Check Match to cards with approval odds and apply with confidence.

Lightbulb Over 47 years of experience helping people make smart financial decisions. The Bankrate Promise. User We helped put over , cards in people's wallets in Why choose Bankrate The Bankrate Promise.

The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions. View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. BEST FLAT-RATE CASH REWARDS CARD. Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card. Rating: 4. Bankrate review. appOddsOn { aoProduct. Apply now Lock. Apply now Lock on Wells Fargo's secure site.

Intro offer. Annual fee. Regular APR. Pros Earn unlimited 2 percent cash rewards, which will not expire as long as you keep your account open and in good standing. This is a solid bonus for a card with no annual fee, and the low spend requirement means it's simple to achieve.

Cons You have to be a Wells Fargo customer to enjoy some of the best redemption perks, such as withdrawing your cash rewards at a Wells Fargo ATM or having your rewards deposited in a checking account. There is a 3 percent foreign conversion fee, which makes the card an expensive choice for making purchases abroad.

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. No categories to track or remember and cash rewards don't expire as long as your account remains open. Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card.

Rating: 5 stars out of 5. Apply now Lock on Capital One's secure site. Pros The rewards rates on this card are higher than many no-annual-fee cards on a wider variety of categories. Benefits include inside access to premium dining, entertainment and sports experiences.

Cons Popular superstores like Target and Walmart are not included in the bonus rewards rate on grocery store purchases. Discover it® Cash Back Discover it® Cash Back. Apply now Lock on Discover's secure site. Pros Discover offers a number of consumer-friendly card terms, including no annual fee and no foreign transaction fees.

You can redeem the rewards you earn at any time for any amount. Cons You must enroll to activate the spending category benefits each quarter. Redeem your rewards for cash at any time. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data.

Then No annual fee. Terms and conditions apply. BEST FOR SHOPPING. Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card. Apply now Lock on Bank of America's secure site.

Pros It offers a terrific mix of value and flexibility since you can both choose your own bonus category and enjoy a flat rewards rate at grocery stores and wholesale clubs. The Preferred Rewards® program lets you qualify for a rewards rate up to 75 percent higher with eligible Bank of America savings or Merrill investment account balances.

Cons The quarterly spending cap restricts cash back earnings in your 2 and 3 percent categories. Though its welcome offer is generous, it requires twice as much spending as some competing offers. That means you could earn 3. Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for Bank of America Preferred Rewards members. Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card. Rating: 3. Rewards details Caret Down 1. Pros The card offers great value thanks to its solid rewards, welcome offer and intro APR period.

Bank of America Preferred Rewards® members with qualifying balances can boost their cash rewards earnings by 25 to 75 percent. Cons There are other cards on the market with a longer intro APR period. Earn unlimited 1. That means you could earn 1.

Citi Double Cash® Card Citi Double Cash® Card. Apply now Lock on Citi's secure site. Pros The card sports a longer than average intro APR offer for balance transfers, which is relatively rare on a cash back credit card. Holding a Citi card affords you access to Citi entertainment perks, like access to presale tickets and other popular events.

Cons There is no introductory APR rate offer on purchases. There is a 3 percent foreign transaction fee with this card, which may prove inconvenient for international travel. After that, the variable APR will be Balance Transfers do not earn cash back.

Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

Rating: 4 stars out of 5. Rewards details Caret Down 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Pros You can earn 3X points on categories like transit and phone plans, unique spending categories that fill in for other cards on the market that don't cater to consumers who need or want rewards like these.

Cons The welcome offer, though generous, has a required spend that may be steep for many consumers. The card may not be ideal for people with lower credit scores due to the higher barrier of entry for approval good to excellent or to on the FICO scale.

Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.

Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card. Terms apply 1. This card is a good option for financing large purchases with its intro APR on purchases and balance transfers. Cons You can earn more rewards with other flat-rate or bonus category cash back credit cards.

The barrier of entry for this card may be a bit high, with a credit score recommendation of or higher. Best for occasional travelers. Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card. Rewards details Caret Down 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.

There are multiple options to redeem your miles, including potentially boosting the value of your rewards by transferring your miles to partner airlines. Cons None of the large U. airlines are included in the current list of partner airlines.

Other issuer travel partners typically include at least a few U. Redeeming miles for statement credits or gift cards can reduce mile value by up to 50 percent. Citi Custom Cash® Card Citi Custom Cash® Card. Read our full Citi Custom Cash Card review Pros The eligible bonus categories include everyday expenses, like gas stations and grocery stores.

You can redeem points for a few different options, like checks, statement credits and travel. No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person. BEST FOR RENTERS. Bilt Mastercard® Bilt Mastercard®. Rewards details Caret Down 3X Points 3x points on dining 2X Points 2x points on travel 1X Points 1x points on other purchases 1X Points Earn up to 1x points on rent payments without the transaction fee, up to , points each calendar year.

Pros This is the only card that earns rewards on rent and helps you avoid the transaction fees that typically come with paying rent with a card. Points are worth 1. Earn up to 1x points on rent payments without the transaction fee, up to , points each calendar year.

Earn points when you make 5 transactions that post each statement period. Best for credit builders. Capital One Platinum Credit Card Capital One Platinum Credit Card. Pros You could feasibly qualify for this card with a FICO score as low as The card charges no annual fee and no foreign transaction fees, solidifying it as a flexible, low-cost card option.

Cons There is no welcome offer or intro APR offer on this card, lowering its up-front value compared to other no-annual-fee cards. The regular APR on this card is among the highest on the market, so missing a single payment could hurt.

No annual or hidden fees. It's free for everyone Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier.

Just hover your card over a contactless reader, wait for the confirmation, and you're all set Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you. Compare the best credit cards with no annual fee Card name Our pick for Bankrate review score Wells Fargo Active Cash® Card.

Capital One SavorOne Cash Rewards Credit Card. Discover it® Cash Back. Bank of America® Customized Cash Rewards credit card. Bank of America® Unlimited Cash Rewards credit card. Citi Double Cash® Card. Capital One Quicksilver Cash Rewards Credit Card.

Capital One VentureOne Rewards Credit Card. Citi Custom Cash® Card. Bilt Mastercard®. Capital One Platinum Credit Card. On This Page Compare our top cards What to know about no-annual-fee cards Tips on choosing the best no-annual-fee card for you Expert advice for no-annual-fee cards How we assess the best no-annual-fee cards Ask the experts Frequently asked questions On This Page Jump to Menu List.

On This Page Compare our top cards What to know about no-annual-fee cards Tips on choosing the best no-annual-fee card for you Expert advice for no-annual-fee cards How we assess the best no-annual-fee cards Ask the experts Frequently asked questions.

Prev Next. A closer look at the best no-annual-fee credit cards. Wells Fargo Active Cash® Card Best card for flat-rate cash rewards. select this. from parent. Capital One SavorOne Cash Rewards Credit Card Best card for dining and entertainment.

Discover it® Cash Back Best for rotating bonus categories. Someone who wants to cash in on a variety of seasonal expenses. Bank of America® Customized Cash Rewards credit card Best for shopping.

Bank of America® Unlimited Cash Rewards credit card Best for Bank of America customers.

Top fee-free cards. These cards have no ongoing fees and give decent cashback/rewards. Amex Platinum Cashback Everyday Read about and compare the best no fee credit cards in the UK The NatWest Credit Card has no foreign transaction fees, no annual fee and no balance transfer fees. It's the perfect travel companion at home and abroad: No annual fee cards





















Choice Home Longer loan term. Rewards details Caret Down No annual fee cards Earn unlimited tee points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. That means you could earn 1. Some no-annual-fee cards offer 0 percent introductory APR on purchases, balance transfers or both. Citi® Diamond Preferred® Card. Lastly, there are no interest charges with this card. Apply now This link will open in a new window. The Hilton Honors American Express Card earns bonus rewards on Hilton stays and in common everyday categories. Roundups of the best cards in more than categories. Support with Coronavirus. by Bob Haegele. Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card Read about and compare the best no fee credit cards in the UK Discover why an HSBC Purchase Plus Credit Card might be right for you, with no annual fee, an interest free period and rewards from your favourite brands Best No Annual Fee Credit Cards for February · Chase Freedom Unlimited® · Chase Freedom Unlimited® · Why we like it No annual fee credit cards are cards that don't require you to pay a yearly fee to use them. Annual fees are often applied for benefits that come with a credit No annual fee credit cards can help you save on credit cards costs while still enjoying a variety of benefits and rewards. Find out more here Our no annual fee Credit Cards and Charge Cards have great benefits aside from saving you money: Enjoy a welcome bonus on selected Cards. Explore American No annual fee cards
Find a card that doesn't charge you for owning it. Easy carrds Longer loan term Low-cost loan alternatives practical. Balance No annual fee cards do not annuaal cash back. If you go above the maximum credit card limit you have been given, then many UK card companies will also charge a fee. As the fee is worked out as a percentage, the cost of the transfer fee will rise with the amount you transfer. Citi Custom Cash® Card Best for hands-off earning. Earn points when you make 5 transactions that post each statement period. Contactless Cards - The security of a chip card, with the convenience of a tap. Any card can be a no-annual-fee credit card if you can get the issuer to agree to waive the fee. We do this through our trusted online identification and security partner HooYu. Read our full Citi Custom Cash Card review or jump back to offer details. While you should always plan to pay your bill in full each month, an intro APR offer can be helpful to finance a big purchase or transferred balance. Will I get the best interest rates with a no-annual fee credit card? Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card Top fee-free cards. These cards have no ongoing fees and give decent cashback/rewards. Amex Platinum Cashback Everyday No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card The NatWest Credit Card has no foreign transaction fees, no annual fee and no balance transfer fees. It's the perfect travel companion at home and abroad Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card No annual fee cards
Compare credit cards from NNo partners, view annial and apply No annual fee cards for the Fwe that is the best fit for you. Those are perfectly generous Installment loans for immigrants for such common spending categories, but you might be able to do better by pairing it with the no-annual-fee Citi Double Cash® Card. Related Articles. Read review. Fortunately, several great credit cards automatically waive the fee in the first year. Regular APR supermarkets, so the real-world calculus depends on how you spend across all categories. Those spending more may prefer the paid sister card, the Platinum Cashback Card. British Airways American Express® Credit Card Finder Credit Cards Customer Satisfaction Awards Other ways we can help. Here is a summary of some of the best UK credit cards with no annual fee. Best For We compare the following card issuers. Why we like it. Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card The NatWest Credit Card has no foreign transaction fees, no annual fee and no balance transfer fees. It's the perfect travel companion at home and abroad FULL LIST OF EDITORIAL PICKS: BEST NO ANNUAL FEE CREDIT CARDS · Wells Fargo Active Cash® Card · Citi Double Cash® Card · Discover it® Cash Back In the UK credit cards with no annual fee, like the Marks and Spencer 0% credit card, for example, are the most common type of 0% cards Compare credit cards with no annual fee and see how you could save on card costs while still enjoying rewards, frequent flyer perks and more For example, the Chase Freedom Unlimited is one of the best no-annual-fee cash back cards but pairing it with the Chase Sapphire Reserve® for Discover why an HSBC Purchase Plus Credit Card might be right for you, with no annual fee, an interest free period and rewards from your favourite brands No annual fee cards
It's easy to answer annua query online. Emergency loan forgiveness resources you should know Apple Annusl is available on selected Apple devices. Fees and rates are Fraudulent transaction blocking to change without notice. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon. It doesn't have an annual fee. Your overall credit score is determined by many variables, including your credit utilization rate. Spread the cost of your spending with our longest interest-free period on purchases. On the American Express secure site. How to choose the best no annual fee credit card Pros and cons of no annual fee credit cards Frequently asked questions Start comparing. The best travel rewards credit cards for beginners. Along with its savings on rent payments, this card offers high-value flexible travel rewards for a no-annual-fee card. Some credit cards involve a monthly fee, which will be added to your monthly statement. Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card In the UK credit cards with no annual fee, like the Marks and Spencer 0% credit card, for example, are the most common type of 0% cards Compare credit cards with no annual fee and see how you could save on card costs while still enjoying rewards, frequent flyer perks and more For example, the Chase Freedom Unlimited is one of the best no-annual-fee cash back cards but pairing it with the Chase Sapphire Reserve® for Top fee-free cards. These cards have no ongoing fees and give decent cashback/rewards. Amex Platinum Cashback Everyday In the UK credit cards with no annual fee, like the Marks and Spencer 0% credit card, for example, are the most common type of 0% cards Compare credit cards with no annual fees. Find cards that offer rewards or cash back on purchases. Apply instantly No annual fee cards

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REFRESH: American Express to Update/Upgrade a TON of Credit Cards in 2024 --- But Which Ones????

No annual fee cards - Our no annual fee Credit Cards and Charge Cards have great benefits aside from saving you money: Enjoy a welcome bonus on selected Cards. Explore American Compare credit cards that don't charge an annual fee. Find the best 0% balance transfer credit cards and rewards cards with no fee for you A credit card with no annual fee is a type of card that lets you use to pay for goods and services without having to pay a fixed monthly or annual fee No Annual Fee Credit Cards. Find no annual fee credit cards from Mastercard. Compare credit cards from our partners, view offers and apply online for the card

Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services.

Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Credit cards. Compare no annual fee credit cards Pay on plastic and save on card costs with a no annual fee credit card. By Chris Lilly.

Updated Nov 17, Learn more about how we fact check. See which cards have no annual fee Compare credit cards now. Learn more about annual fees How credit card fees work.

Navigate Credit Cards In this guide. What is a no annual fee credit card? 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 Frequently asked questions Start comparing.

Rewards cards Cashback cards. Frequent flyer points. Airport lounge access. Low interest rate cards. No annual fee cards. Credit builder cards. Travel credit cards.

Student credit cards. Money transfer cards. Business credit cards. Best cards for Updated daily. Finder score methodology. Expert analysis methodology. User rating methodology. Check eligibility Read review. HSBC Balance Transfer Credit Card. Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.

Santander Everyday Long Term Balance Transfer Credit Card. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Royal Bank of Scotland Longer Balance Transfer Credit Card.

Go to site Read review. NatWest Longer Balance Transfer Credit Card. HSBC Purchase Plus Credit Card. NatWest Balance Transfer Credit Card. Royal Bank of Scotland Balance Transfer Credit Card.

Barclaycard Platinum 29 Month Balance Transfer Visa. Offer ends 8 February Read review. Enjoy exclusive offers and rewards on the Virgin Red app. The Co-operative Bank Balance Transfer Credit Card Visa. Not yet rated. TSB Platinum Balance Transfer Card. Capital One Balance Transfer Mastercard.

Ulster Bank Longer Balance Transfer Credit Card. Load More. Compare Clear. Sort by: Name Product Ratings Finder score Customer rating Max. American Express® Rewards Credit Card Finder Credit Cards Customer Satisfaction Awards Earn 1 Membership Rewards® point for every £1 spent thereafter.

Earn up to 90, bonus points per year through refer a friend, 4, points awarded for every friend approved. British Airways American Express® Credit Card Finder Credit Cards Customer Satisfaction Awards Earn 1 Avios for virtually every £1 spent.

Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. Basic card and uses the Referral Programme. Avios value varies dependent on reward min pts for flights.

American Express® Platinum Cashback Everyday Credit Card Finder Credit Cards Customer Satisfaction Awards Terms apply. Spend £0 to £10, and receive 0. Pulse Card Mastercard existing NewDay customers only. APR variable. Get 0. Tesco Bank Low APR Clubcard Credit Card Finder Credit Cards Customer Satisfaction Awards 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.

MBNA Limited Platinum Visa. Cashback paid January into Card Account. Earn 0. Maximum spend for cashback purposes is limited to credit limit. The Co-operative Bank Members' Credit Card Visa.

Cashback will be added to your share of the Group profits and this will be paid to you twice a year. AIB Options 1 Credit Card. Minimum of 12 transactions per year required.

Maximum of £ 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 £ spent.

Halifax Cashback Credit Card Mastercard. HSBC Premier Credit Card. 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.

HSBC Rewards Credit Card. Earn 1 point for every £5 spent on purchases. Bonus 2, reward points on anniversary if £10, spent in previous year. Tesco Bank Balance Transfer Card Finder Credit Cards Customer Satisfaction Awards Tesco Bank Clubcard Low Fee Balance Transfer Mastercard Finder Credit Cards Customer Satisfaction Awards Asda Money Credit Card.

Get up to £ in Asda Pounds within the first 90 days when you open a credit card by 11 March 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. Points value varies dependent on reward min pts. John Lewis Partnership Credit Card.

Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere.

Sainsbury's Bank 20 Month Balance Transfer Credit Card Mastercard. Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. Santander All in One Credit Card.

Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Tesco Bank Clubcard Plus Credit Card Mastercard.

Finder Credit Cards Customer Satisfaction Awards Barclaycard Platinum all-rounder Visa. Santander World Elite Mastercard. Maximum of £15 cashback paid per month. TSB Platinum Purchase Card. Nationwide Member Credit Card All Rounder. Virgin Money Dual Credit Card Mastercard. Virgin Money 12 Month All Round Credit Card Mastercard.

Post Office Classic Card. first direct Gold Credit Card. Table: sorted by representative APR, promoted deals first.

Additional account needed student bank accounts. limit £, max. limit £ Not specified. Available alongside an HSBC Student Account receive £ and a 1-year subscription to Headspace when you open a new student account.

Barclaycard Forward Credit Card. limit £50, max. limit £1, AIB Student Credit Card. limit not specified. TSB Student Credit Card. TSB Classic Credit Card Mastercard. Sainsbury's Bank Everyday Credit Card Mastercard. limit not specified, max. Tymit Credit Card. limit £15, Tesco Bank Foundation Card Finder Credit Cards Customer Satisfaction Awards Bip Credit Card Mastercard.

HSBC Classic Credit Card. Keebo credit card Finder Lending Innovation Awards limit £5, Vanquis Bank Credit Builder Credit Card Visa. Aqua Advance credit card. 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. Capital One Classic Credit Card. Zopa Credit Card Visa. limit £8, Asda Money Select Credit Card.

Fluid Credit Card. limit £4, Aqua Classic Credit Card. NatWest Credit Card. The Ulster Bank Credit Card Mastercard. Thank You From Coutts - as spending increases cardholders automatically become eligible for a choice of gifts.

The Elfin Card. Metro Bank Personal Credit Card Mastercard. Nationwide Member Credit Card Balance Transfer. Halifax Clarity Credit Card Mastercard.

Barclaycard Rewards Visa. Cashback paid On request into Card Account. Cashback paid annually or on request. Monzo Flex. Credit card jargon explained Annual fee.

Regular APR However, credit score alone does not guarantee or imply approval for any financial product. Capital One SavorOne Cash Rewards Credit Card. Capital One Platinum Credit Card. No annual or hidden fees. Citi Custom Cash® Card.

After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person. Show more Show less. Capital One Platinum Secured Credit Card. Get the business card that rewards small business owners with special benefits.

Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac. No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.

Terms Apply. Subject to credit approval. Capital One VentureOne Rewards Credit Card. Citi® Diamond Preferred® Card. After that the variable APR will be Balance transfers must be completed within 4 months of account opening. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

Capital One Quicksilver Student Cash Rewards Credit Card. Earn unlimited 1. PayPal Cashback Mastercard®. With the PayPal Cashback Mastercard®, earn unlimited cash back at millions of merchants. No restrictions. No rotating categories.

You'll Favorable borrowing terms hard-pressed Emergency loan forgiveness resources find a czrds interest-free Emergency loan forgiveness resources, and it cardx to both purchases and annuall transfers. Lots of credit cards now charge an Longer loan term fee or a balance Longer loan term fee, but it is still Affordable loan approval to find fe fee credit cards. supermarkets, so the real-world No annual fee cards depends on annuwl you spend across all categories. Unless we've said otherwise, products are in no particular order. If you're the type who wants a credit card only for emergencies or to build a strong credit profile, you're unlikely to make up the cost, so a card with no annual fee makes sense. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month. Many of these UK cards are an instant credit cardwhere the customer can get an instant approval decision during the application process.

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