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.
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:
An American Express No Annual Fee Card could offer you:
24/7 Customer Service
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.
Card Security And Protection
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.
Accepted Around the World
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.
Manage Your Account Online or on Your Mobile
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.
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.
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.
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.
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.
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.
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
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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. For the Credit Card, 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 Account opening. Introductory offers are not available if you currently hold or have held any personal American Express Card in the past 24 months. 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. Detailed information on companion vouchers can be found here or by calling 0844 493 0750. Please note, calls cost a maximum of 7p per minute, plus your phone company’s access charge. All applicable Terms and Conditions will be provided within your Welcome Pack if you are approved.
5. Cashback rewards will be payable annually in the month following your Credit Card anniversary. 3% is earned on every full £1 spent and charged on all eligible restaurant dining purchases (no maximum). 2% is earned on every full £1 spent and charged on eligible travel purchases (no maximum). Unless stated above as being eligible, purchases will earn 1% cashback rewards on every full £1 spent and charged per purchase (maximum £300 cashback rewards every 12 months), subject to exclusions. Cashback rewards are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, 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.
6. 0% interest rate on purchases for the first six months will only be available provided the minimum payment is received by the due date. There is no interest free grace period on Balance Transfers or Cash Advances. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Costco American Express Credit Cards in the past six months.
7. Cardmembers can enjoy access to a wide range of in-demand events including music, theatre, and film, often before they go on general sale. Tell me more.