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American Express® No Annual Fee Cards

American Express® No Annual Fee Cards

A Card with no annual fee offers both convenience and value. Find out which no annual fee Credit Card or Charge Card is for you.

Why choose a no annual fee Card?

No annual fee doesn't have to mean no benefits. In fact, our no annual fee Credit Cards and Charge Cards have great benefits and rewards. You can enjoy Membership Rewards®, Avios and cashback without paying an annual fee.

As a Cardmember you also automatically gain access to pre-release tickets and events via American Express Invites and, for eligible cards, the ability to transfer your Membership Rewards points to a wide range of airline rewards partner programme.

With all the benefits of being an American Express Card Member, without the annual fee, these Cards also offer:

  • You could earn Points, cashback and Avios for every pound spent on purchases
  • Access to pre-release tickets for shows and events with American Express Invites

Our No Annual Fee Credit Cards and Charge Cards

Platinum Cashback Everyday Credit Card

Get 5% Cashback up to £100 for your first 3 months of Cardmembership Representative 22.9% APR variable
  • Get accelerated cashback with no annual fee
  • Travel and shopping protection
Terms and Conditions

British Airways American Express® Credit Card

5,000 bonus Avios welcome offer Representative 22.9% APR variable
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic Enrolment to the British Airways Executive Club
  • Travel and shopping protection
Terms and Conditions

The Costco TrueEarnings® American Express® Credit Card

0% interest on purchases for first 6 months of Cardmembership Representative 19.9% APR
Terms and Conditions

Basic Card

Taking care of the basics
Terms and Conditions

American Express® Preferred Rewards Gold Credit Card

Earn 20,000 Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership Representative 57.6% APR variable
  • Earn 20,000 Membership Rewards points when you spend £2,000 in your first three months of Cardmembership
  • Get Membership Rewards points for every pound you spend and redeem with a range of shopping, travel and lifestyle partners.
  • Two complimentary lounge visits per year to use at over 700 airport lounges globally.
Terms and Conditions


Show More Cards


Key benefits at a glance

An American Express No Annual Fee Card could offer you:
  • A welcome bonus on selected Cards
  • The ability to earn rewards points
  • Purchase protection
  • Online fraud guarantee
  • Travel Accident and Travel inconvenience coverage
  • 24/7 customer service
  • Access to our American Express Invites

24/7 Customer Service

Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 by phone, text, email or mail.

Our Global Assist® team provides immediate personal advice almost anywhere in the world, anytime of the day or night.

Card security and protection

All American Express Cards feature Chip and PIN technology and all transactions are processed through our own Secure System to minimise the risk of fraud, whether you use your Card at home or abroad.

Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of Card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.

Accepted around the world

American Express no annual Credit Cards and Charge Cards are accepted all over the world. Your spend is converted as soon as we process the transaction.

The American Express exchange rate is set daily. If you are paying in US dollars, the amount will be converted directly to pounds sterling.

If you are paying in another currency, this will be converted to US dollars and then to pounds sterling.

Manage your Account online or on your mobile

Register online and manage your account whenever you choose to, online or on your mobile. View your current balance, have updates sent to your phone, pay your bills easily, and manage your rewards points at your convenience.


Frequent Flyer Cards

Enjoy points for flights.
With the ability to earn Frequent Flyer points or Avios points on practically every purchase and often additional travel benefits like lounge access, complimentary travel protection and 24/7 global Card support.

Some of our Featured Cards


Before you apply, use the following checklist to see if you meet our standard eligibility criteria.

  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • And if self-employed, I have been working for more than one year
  • I have no history of bad debt

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your American Express Travel Rewards Card.

Your application takes less than 10 minutes and you can get a response in 60 seconds.

Find out if you're eligible with our Eligibility Checker

  • Only takes a couple of minutes to complete
  • Will not impact your credit rating
  • Allows you to apply with confidence

Credit and Charge Cards Explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?
Our simple Credit and Charge Card Guides are a great place to start.

Discover our Credit and Charge Card Guides

Find a type of Card to suit your needs

Explore our range of Cards, you're bound to find something to suits your needs and lifestyle.

5% cashback will be payable to you by us on all your purchases made in the first three months up to £125. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Any cashback from introductory offers will be credited to your Account in your card anniversary month. Your Card anniversary month is the one month period each year following the date on which your Account was opened. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (

Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.

Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.