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American Express® Credit Cards With No Annual Fee


Looking for a Card with no annual fee? You can still experience a variety of benefits and rewards. Discover American Express no annual fee Credit Cards and Charge Cards here.

What is an annual fee on a Credit Card?


Some Cards include a yearly fee that covers its benefits and services, and the amount you pay will vary from Card to Card, depending on its reward offering. A Credit Card with no annual fee allows you to enjoy benefits without paying this
yearly charge.


How does a Credit Card with no annual fee work?


These work in the same way as any other Credit Card, except you won’t pay an annual amount and so the rewards and benefits may differ. You’ll still have a credit limit, which is the maximum amount you can spend on your Card. At the end of each billing period, you'll recieve your statement with the amount you need to repay. You'll need to repay at least the minum repayment amount to avoid late payment fees/ Any amount outstanding will be subject to interest.


You’ll need to repay at least the minimum repayment amount to avoid late payment fees. And any amount outstanding will accrue interest.


Woman posting notes

Benefits of a no annual fee Card


No annual fee doesn't have to mean no rewards. Our no annual fee Credit Cards and Charge Cards have great benefits aside from saving you money:

A welcome bonus on selected Cards


  • A welcome bonus on selected Cards 
  • American Express® Experiences. As a Cardmember you’ll have access to pre-release tickets and events via American Express Experiences.
  • Earn Membership Rewards®, Avios and cashback on purchases you make with your Card, depending on your Card type.
  • Travel Accident and Travel Inconvenience coverage for peace of mind when you go away
  • Card security & protection. American Express Cards feature Chip and PIN technology, and all transactions are processed through our own secure system to minimise the risk of fraud. Our early detection systems monitor potentially fraudulent activity, but if you are a victim of Credit Card fraud, and you’ve taken reasonable care with your Card, our Fraud Protection Guarantee means that you won't be held responsible for any costs linked to the fraud.
  • Accepted around the world. Our Credit Cards are accepted all over the world, and your spend is converted as soon as we process the transaction. The American Express exchange rate is set daily. If you’re paying in US dollars, the amount will be converted directly to pounds sterling. If you’re paying in another currency, this will be converted to US dollars and then to pounds sterling.
  • 24/7 customer service. You can contact our Customer Care Professionals and Global Assist® team 24/7 via phone, text, email or mail.

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 28.1% APR variable
  • Get cashback with no annual fee
  • Travel and shopping protection2
















As a new Cardmember, collect 5,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership. Terms apply3
Representative 28.1% APR variable
  • Get a Companion Voucher when you spend £12,000 each membership year on the Card, which you can use to either take a companion with you on the same flight and cabin or, if travelling solo, a 50% discount on the Avios price you pay for your flight. Vouchers are redeemable when you book a British Airways, Iberia or Aer Lingus Reward Flight in Euro Traveller, World Traveller and economy class cabins only. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person4.
  • Automatic Enrolment to the British Airways Executive Club
  • Travel and shopping protection2


  • Taking care of the basics






















Taking care of the basics


Are you eligible for 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

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.


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.