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Credit Cards, by Card Type
Credit Cards by Credit Type
Credit Cards, by Issuer
Insurance
Loans and Financing
Financial Services
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 UK Credit Cards: No Annual Fee
No Annual Fee. The biggest proportion of credit cards do not carry an annual fee, but a number of them do, and so it's a good point to be aware of when signing up for your next credit card. Nonetheless, none of the credit cards listed on this page have any type of annual fee. However, cards with annual fees shouldn't neccessarily be avoided; they can often ofter lower rates, types of rewards that other credit cards do not offer, or some other special kind of perk. As an example, many charge cards - as opposed to credit cards - often have an annual fee attached.
3V Vouchers provide an entirely new way to shop online, without needing to use your credit card or debit card. 3V Vouchers are disposable, prepaid VISA numbers that can be purchased by anyone who is aged 16 or over, with use of a mobile phone and an email address, and can be used to shop online, via mail order or over the telephone, just as you would do using a normal credit card. There are several obvious advantages to using this type of service, but most especially security, since 3V Vouchers negate the need for you to use your actual credit card or debit card.
The American Express Nectar for Business Credit Card has a fairly self-explanatory name and, as you might guess, is a credit card for business use, and one which also earns Nectar points. In fact, with the ability to earn 4 Nectar points on every £1 you spend at participating sponsors, there's rarely been a quicker way to collect Nectar rewards on your business purchases. Many big-name companies are sponsors (BP, Viking Direct, and Hertz, to name but a few), and so if you make regular purchases for your business by credit card, then this particular card is an ideal partner for you.
With the American Express Platinum Cashback credit card, every time you use your card, it will reward you with cash back, to spend exactly how you choose. Right now American Express is offering an introductory 5% cashback incentive for the first three months. In fact, the Platinum Cashback credit card boasts one of the highest introductory cashback rates on the market, and there is also no annual fee. The online application takes just a few minutes, and you'll get an almost instant decision regarding your application's success within 60 seconds.
Bank of Scotland All In One Credit Card provides essentially the same card as Halifax All In One Credit Card, except with different branding, and offers useful features to those wishing to obtain a new credit card, or who wish to transfer balances from store cards or other credit cards. If, in the first 90 days, you transfer your outstanding balances from other credit cards or store cards you'll pay 0% interest for an entire 9 months. All that you pay is a 3% fee, which is likely to work out as far less than you'd pay if you kept the balance on your existing cards.
The cash plus prepaid Gold MasterCard is a prepaid, personalised, Chip and PIN MasterCard card. Much like prepaid anything else - mobile phone or phone card, for example - the cash plus card is a payment card that works in similar way; you first need to put money on to the card before you are able to use it. Therefore it's different to both a debit card and a credit card, since it is neither linked to a bank account nor do you pay for your transactions at a later date. However, you can still use your cash plus prepaid card anywhere that accepts MasterCard - which is at over one million cash machines and millions of retail outlets worldwide.
Halifax All in One Credit Card provides good all-round features to customers wishing to obtain a new credit card, or wishing to transfer balances from other credit cards or store-cards. Apply online today and if you transfer your outstanding balances from other credit or store cards in the first 90 days you'll pay 0% interest for an entire 9 months. All that you pay is a 3% fee; however, this is likely to work out as far less than you'd pay if you kept the balance on your existing cards. With an attractive APR, the Halifax All in One Credit Card provides is a good card.
The MBNA Business Credit Card is an ideal credit card for those running a business, or operating as self-employed, and is useful for a number of reasons, including helping you to organise your time and business more efficiently. Being able to see all of your credit accounts at a glance and being able to keep track of your business expenditure in one place, it removes much of the administrative hassle and paperwork that usually ensues when running a business. Separating your business expenses from your personal expenses also makes a great deal of sense, and with a low APR and no annual fee, the MBNA Business Credit Card provides a number of useful benefits to business owners.
MNBA are the largest credit card provider in the UK, and have a range of credit cards to suit everyone, from cashback cards and business cards to low APR cards with 0% balance transfer fees, and many more. The MBNA Points Credit Card offers customers a range of these benefits too, but additionally provides Rewards Points. However, when redeeming your Rewards Points, unlike some cards, which have many restrictions, you can use to purchase a variety of goods and services, from travel and shopping to entertainment or a selection of fine wines. You can also exchange your points for cash if you wish to.
With dozens of credit card companies - and hundreds of credit cards - to choose from, the choices can often seem bewildering; from free gifts and special introductory rates to travel discounts and rewards points, the list seems to grow and grow, and you can end up not really knowing if you got a good deal or not; after all, the credit card companies need to make their money somehow, right? Well, the NatWest Classic Credit Card should not be too confusing; offering all the standard features that most people want, plus a very competitive APR, but without a plethora of bells and whistles, sometimes less really is more.
One of several cards from NatWest, the NatWest Platinum Credit Card is open only to existing NatWest customers, and the offer as described on the NatWest website is only available for application online (i.e. you can't apply for the same offer by post, for example). Although providing a similar APR to the NatWest Classic Credit Card, the NatWest Platinum card does offer a few extra bells and whistles, and if you happen to be NatWest Advantage Gold customer then you are also guaranteed a 1% discount on the APR for which you qualify, for at least twelve months.
The NatWest Private Banking Credit Card is a card which offers a discounted APR, and is exclusively for NatWest Private Banking customers. With an APR around 2% lower than the standard rate on other NatWest credit cards, if you're already a Private Banking customer with NatWest then this card definitely offers you a good deal. Alternatively, for those not already a Private Banking customer of NatWest, then you don't need a Rolls Royce to become a member, it's simply a special service, at a cost of a few pounds a month, which aims to provide customers with top-notch service and a range of special benefits unavailable to mere mortals with ordinary accounts.
NatWest offer a variety of credit cards for different needs, and the NatWest Student Credit Card is, naturally enough, designed specifically for students (although anyone aged 18 and over can apply). While there is yet to be a credit card (that we know of) which offers free textbooks and re-reimbursed tuition fees, the NatWest Student Credit Card does offer a few nice features that students may find useful, including discounts on brands such as Firebox.com, kitbag.com and Lonely Planet, as well as the option to pay the monthly credit card bill by direct debit, thus avoiding late fees.
The Post Office Travel Money Card is one of the safest and simplest methods of taking your money abroad. There is no purchase fee and your Travel Money Card can be used in millions of shops and restaurants worldwide. In fact, your Post Office money card can be used anywhere that Visa Electron is accepted, including any ATM (i.e. cash machine) displaying the Visa logo worldwide. The card is, essentially, a pre-paid Visa card, but you can purchase the card in either euros, US dollars, or sterling. Secure, flexible, and convenient, the Post Office Travel Money Card is a great way to take control of your holiday currency.
The RBS Classic Credit Card is your standard, few-frills, work-horse credit card, providing everything that most people want from a credit card - a reasonable APR, reasonable credit limits, and the security and access to resources that come from a large financial group. So, if you prefer having a better APR than having all kinds of rewards points, benefits that you'll rarely take advantage of, and other perks and frills, then this is a good card for you, and gives you all the tools you need to go about your daily business.
Royal Bank of Scotland offer a variety of credit cards for different needs, and the RBS Student Credit Card is, as the name suggests, designed specifically for students (albeit anyone aged 18 and over can apply). The RBS Student Credit Card offers a few nice features that students may find useful, including discounts with brands such as Firebox.com, Snapfish, kitbag.com, MyMovieStream and Lonely Planet. The ability to settle the monthly credit card bill by direct debit, and thus avoiding late fees, is also a useful feature, and one that is not always available with some credit cards.
Tuxedo offer the Tuxedo MasterCard Prepaid Card service, which is provided by Tuxedo MoneyPlus Limited; the actual prepaid card is issued by Newcastle Building Society. Ideal for those with poor credit, or even no credit record, no bank account is required, there are no credit checks, and you can use the Tuxedo MasterCard Prepaid Card at millions of locations worldwide, including ATM's. The Tuxedo Prepaid Card is a simple and secure way to manage your money and, unlike with a debit or credit card, you can only spend the amount of money you wish to load onto the card, which means no credit card interest to pay and no late fees or other unexpected credit card bills.
Vanquis Bank is a lot different to other lenders, and credit card limits are significantly lower than those of many other lenders. Maintaining a high level of customer contact throughout the life of the account, Vanquis Bank also have higher minimum repayments compared with the majority of other credit card providers, which thus helps customers pay off their credit card balance more quickly. While Vanquis Bank is relatively new, with Provident Financial as its parent, and a long history of success in the home credit industry, you should feel perfectly comfortable signing up with Vanquis.
Well-known for a range of other financial products, including the Virgin Prepaid Mastercard, the Virgin Credit Card is a Mastercard branded credit card which provides a number of benefits not available with other cards - including free travel accident insurance and free purchase protection insurance. Offering a competitive APR together with no annual fee and up to 50 days interest free on your card purchases, the Virgin Credit Card is a popular choice of card for many consumers, providing the ability to manage the credit card account 24/7, either online or by telephone.
Virgin Prepaid Mastercard, offered by Virgin Money, is an ideal card to have if you don't want - or need - a credit card, or if you are not able to obtain one because your credit rating is not high enough, or because you don't have a bank account, for example. The card can be used just as if it were a credit card, and can be used anywhere that MasterCard is accepted (including ATM machines). The difference between the Virgin prepaid card and a credit card is you load it up with money before you shop, instead of paying off your balance later, keeping both your budget intact and saving you interest charges at the same time.
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