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Credit Cards

Please note: The interest rates, APR calculations, charges, awards and other conditions applying to credit cards on these pages may be changed by the card providers at any time.

UK Credit Cards — No Annual Fee

No annual fee, 0% balance transfer, low APR and lots of cashback and other benefits. But can it be done? Well, yes . . . up to a point.

The following cards are the best we could find that have no annual fee. They are bank based, as banks tend to eschew the annual fee for the marketing gain in getting a new bank client. As is so often the case in credit card land, the use of credit cards as a marketing device for the core business benefits the consumer.

Non bank credit cards, and derivatives (branded differently to the bank's main card) often have a higher underlying interest rate than bank issued cards. For example, interest on cash withdrawals may verge on punitive, and penalties, like a high APR, tend to cut in at as moment's notice if a payment is late, or a limit is exceeded. So use with care!

Compare rates online for a cheap UK credit card

Click on any of the cards below and then select its name by scrolling the menu box. We strongly recommend you then run a comparison by selecting the default choice of "Any", it may find you a far better deal . . .

Our pick of the best:

Morgan Stanley —

The platinum card issued by this big merchant bank is a good one. It offers cashback advantages which come as an annual credit bonus. Very Handy.

* 0 % p.a. on Balance Transfers and Purchases fixed for the first six months your Account is open (14.1% APR)*
* Earn up to 1% on every purchase you make with Cashback Bonus™ award
* No annual fee
* Manage your Account Online
* Cover with a Payment Protection Plan and Card Protection Plan

Click on the card below to compare . . .

Credit Card Compare and Apply


Nationwide —

With the Classic Credit Card, the introductory rate is just 0% pa for the first six months for purchases and balance transfers and 13.9% pa after that, offering both short and long term value (11.5% APR). With these rates, and no annual fee, this card is a handy borrowing option.

There's also a few freebies: extended warranty on gas and electrical goods costing over £50 when you pay with your Nationwide Credit Card.

This cover provides a further 12 months warranty after the manufacturers warranty expires - and it's free. All you have to do is register your purchase within 60 days. Plus, you have the option of extending your warranty for a further two or three years, at a discounted rate.

Purchase cover for most goods over £50 bought with our Credit Card. It covers most purchases against loss, theft or damage, as long as they are not covered by additional insurance.

Click on the card below to compare . . .

Credit Card Compare and Apply


Halifax —

Halifax's "mencap" is a way of getting no annual fee, relatively ok APR and some additional benefits, while supporting a worthy cause.

There is an increasing number of these"worthy cause" cards, being issued mainly in association with banks, who never cease to try new promotional ideas. The cancer council has one, as well as the RSPCA,and a whole slew of organisations much worth our support.

* Special rate of 0% p.a. on all purchases and balance transfers fixed for your first five months, 16.9% APR standard variable rate
* No annual fee
* Interest free period of up to 59 days - on retail purchases
* Online fraud guarantee - peace of mind on all your Internet purchases
* Free travel accident insurance
* Free purchase protection to cover most major items against theft or damage for up to 100 days.

Click on the card below to compare . . .

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