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.
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.
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.
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
five months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.1
- Get cashback with no annual fee
- Travel and shopping protection2
- Get a Companion Voucher when you spend £15,000 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
Credit cards may have annual fees to offer a range of benefits, such as cashback, travel rewards and more. Depending on the card, they could also offer exclusive services such as travel insurance or might come with higher credit limits to allow cardmembers to make bigger purchases.
American Express offers various Credit Cards with no annual fee that offer benefits and rewards. These could include Avios, travel accident insurance, purchase and refund protection and more.
American Express Platinum Cashback Everyday Credit Card offers this option. More specifically, during their first three months, Cardmembers get 5% cashback1 for purchases up to £100.
Life With AMEX
Get up-to-date information about managing your personal finances and money-saving tips to navigate through the big moments in life.
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
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.
1. 5% Cashback: 5% cashback on your purchases for the first five months of Cardmembership (up to £125). Cardmembership begins from Card approval. Any cashback from introductory offers will be credited to your Account in your Card anniversary month. 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.
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 £2,000 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