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American Express® No Annual Fee Cards

 

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.

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 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

 

Our No Annual Fee Credit Cards and Charge Cards

 
New Cardmembers get 5% Cashback1 up to £100 for your first 3 months of Cardmembership
 
Representative 22.9% APR variable
 
 
  • Get cashback with no annual fee
  • Travel and shopping protection2

 

 

 

 
5,000 bonus Avios welcome offer3
 
Representative 22.9% APR variable
 
 
  • Companion Voucher4 when you spend £20,000 per anniversary year
  • Automatic Enrolment to the British Airways Executive Club
  • Travel and shopping protection2

 

0% interest on purchases for first 6 months of Cardmembership
 
Representative 22.9% APR variable
 
 
  • Cashback rewards5 on restaurants, travel and shopping
  • Welcome offer of 0% interest6
  • Access to American Express Invites7

 

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

 

Explore Cards by Category

Frequent Flyer Cards

 

Enjoy points for flights.

Choose between a variety of Cards that offer you Avios points or Membership Rewards points for purchases made on your Card.

 

SOME OF OUR FREQUENT FLYER CARDS

Premium Cards

 

Receive a variety of premium benefits such as airport lounge access or 2-4-1 travel vouchers on top of earning points for your everyday spend. 

 

 

SOME OF OUR PREMIUM CARDS

Travel Rewards Cards

 

Enjoy all the benefits, convenience and security of an American Express Card when travelling, with the added bonus of earning points when you make purchases at home and abroad.

 

SOME OF OUR TRAVEL REWARDS CARDS

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.

 

SOME OF OUR CASHBACK CARDS

 

Representative 28.2% APR variable

Representative 22.9% APR variable

Rewards Cards

 

Get the most out of life.

Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for flights, hotels, gift cards and more.

SOME OF OUR REWARDS CARDS

Representative 22.9% APR variable

Representative 22.9% APR variable

No Annual Fee Cards

 

Get the most out of your Card with no annual fee.

 

Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.

SOME OF OUR NO ANNUAL FEE CARDS

Representative 22.9% APR variable

Representative 22.9% APR variable

Representative 22.9% APR variable

Eligibility

 

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

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.

 

 

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.