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American Express® Credit Cards With No Annual Fee


If you are looking for a Card with no annual fee, you can still experience a variety of benefits and rewards. Find out which no annual fee Credit Card or Charge Card is for you.

What is an annual fee on a Credit Card?


Some cards may include a fee that is billed yearly and incorporates the benefits and services of your Card. The amount of annual fee and value of the rewards varies from Card to Card.


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 Experiences 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 Cardmember, without the annual fee, these Cards also offer:


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


Woman posting notes

Compare No Annual Fee Credit Cards and Charge Cards

New Cardmembers get 5% Cashback1 up to £100 for your first three months of Cardmembership
Representative 22.2% APR variable
  • Get cashback with no annual fee
  • Travel and shopping protection2




5,000 bonus Avios welcome offer3
Representative 22.2% APR variable
  • Companion Voucher4 when you spend £20,000 per anniversary year
  • Automatic Enrolment to the British Airways Executive Club
  • Travel and shopping protection2


  • Taking care of the basics




Taking care of the basics


No Annual Fee Card 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 Experiences


Explore Cards by Category

Cashback Cards


Earn cashback everyday.

American Express Cashback Credit Cards give you all the benefits and convenience of an American Express Credit Card, whist earning you cashback on your purchases.


Are you eligible a no annual fee Credit Card?


To save time, use the following checklist to see if you meet our standard eligibility criteria:


I am aged 18 or over 

I have no history of bad debt

I have a permanent UK home address 

I have a current UK bank or building society account

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 Card.

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

Charge & Credit 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.



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.