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Personal Cards
Business Cards
Corporate Solutions
All Insurance
Benefits and Offers
Merchants
Business Cards
Corporate Solutions
Global Network
Help & Support
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.
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.
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.
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
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
An American Express No Annual Fee Card could offer you:
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.
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.
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.
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.
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
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
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
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 gift cards, hotels, and more.
SOME OF OUR REWARDS CARDS
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
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.
1. 5% cashback will be payable to you by us on all your purchases made in the first three months up to £100. Introductory offers are not available if you currently hold or have held any personal American Express Card in the past 24 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 (americanexpress.co.uk).
2. Subject to enrolment, for more information click here. 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.
3. 5,000 bonus Avios: 5,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within three months of Cardmembership. Cardmembership begins from Card
approval. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
4. Terms and conditions apply to Avios redemptions. Reward Flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways, Iberia or Aer Lingus Reward Flight seat in economy only. Detailed information on Companion Vouchers can be found at ba.com/amex-companion or by calling 0844 493 0750 (calls cost 7ppm plus your telephone company access charge). Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward Flight booking with their Companion Voucher as a solo traveller. Only vouchers earned after 1 September 2021 can be used on Iberia and Aer Lingus. For full Companion Voucher Terms and Conditions visit: ba.com/amex-companion