American Express® No Annual Fee Credit Cards

 

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 a No Annual Fee Credit Card?

A credit card with no annual fee allows you to enjoy benefits without paying a yearly charge for using it. However, charges can still apply if you go over your credit limit, make late payments, or don’t pay your balance in full each month.

 

Want to make sure you make monthly payments on time? Set up a Direct Debit.

 

Find out more about Card repayment options

 

What is an annual fee?

 

The annual fee is the amount of money that cardholders pay each year for having an active account and enjoying their card’s benefits and services. The amount you pay will vary from card to card, and provider to provider, depending on the reward offering.

 

But some cards might offer benefits like rewards and cashback that outweigh the annual fee.


How do No Annual Fee Credit Cards work?

These work in the same way as any other credit card, except the rewards and benefits may differ.

 

You’ll still be granted a short-term credit limit, which indicates the maximum you can spend on your card within a statement period.

 

At the end of each billing period, you'll receive your statement with the amount you need to repay. To avoid late payment fees, you'll need to make at least the minimum repayment. Any amount outstanding will accrue interest.


Benefits of an American Express® No Annual Fee Credit 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:

 

  • Enjoy a welcome bonus on selected Cards.

  • Explore 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.

  • Get travel accident and travel inconvenience coverage for peace of mind when you book with your Card.

  • Stay secure. American Express Cards feature Chip and PIN technology, and all transactions are processed through our own secure system to minimise the risk of fraud.

  • Stay protected. 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.

  • Use your Card abroad. 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.

  • Get 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

 
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first five months of Cardmembership. Offer ends 9 April 2024. Terms Apply. 18+, subject to status.1
 
Representative 31.0% 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 31.0% 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

 

Frequently Asked Questions

 

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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 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

Charge & Credit Cards Explained

 

Has talk of interest, annual Credit Card 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.