Credit Card Annual Fee?

Credit Card Annual Fee

What is a credit card annual fee? How many UK 0% credit cards currently have an annual fee? Are there any no annual fee credit cards in UK?

These are some of the most recent questions regarding credit cards and annual fees that we have seen UK customers asking over recent months.

Here at 0% Credit Card Expert, we aim to try and explain all aspects of the UK 0% credit card market. We also aim to try and explain the terms involved with using a credit card.

Credit Card Annual Fee

So what is a credit card annual fee?

The annual fee can be defined as the annual amount that a credit card company will charge a customer for having the use of that credit card. The fee is often charged once a year to the customer, although some cards now charge a monthly fee.

The annual fee will appear on the customers statement once per year, usually in the month the card was first taken out.

Most UK 0% credit cards, including the popular HSBC credit card offers do not currently charge a credit card annual fee.

Those UK 0% credit cards that do currently charge an annual fee, generally often offer some type of rewards to the customer. These rewards can take the form of cashback, airline or hotel rewards points.

Annual Fee Credit Cards

How many 0% credit cards have an annual fee?

Here at 0% Credit Card Expert we have details of every UK 0% credit card currently available online.

There are currently more than 80 UK 0% credit cards available online. At the time of writing, only 3 of these cards currently charge an annual or monthly fee.

Most annual fee credit cards in the UK offer shorter than average 0% introductory offers. However, these cards usually do come with cashback, or reward points for either airlines or hotels.

Credit Cards No Annual Fee

There are many more UK 0% credit cards that do not currently have a annual fee. These no annual fee credit cards, include all of the following popular featured cards:-


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0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

NatWest Long Balance Transfer Credit Card
  • 0% on balance transfers for 28 months from account opening
  • 2.75% balance transfer fee
  • 0% interest for the first 3 months on purchases
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: £0
More Information

Application Criteria

NatWest Long Balance Transfer Credit Card
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 30 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Balance Transfer Credit Card
  • 0% interest for up to 30 months on balances transferred within the first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest for the first 3 months on purchases
  • Internet fraud protection and Clicksafe
  • Apple Pay and Android Pay
  • Annual Fee: £0
More Information

Application Criteria

TSB Platinum Balance Transfer Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 26 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on balance transfers for up to 26 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 0% interest on purchases for up to 26 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Sainsbury’s Dual Offer Credit Card
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
1%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Credit Card
  • 0% interest for 24 months for balance transfers made within 60 days
  • 1% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Co-operative Bank Credit Card
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have an annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

A credit card annual fee should not be confused with a balance transfer fee. This fee is charged by the credit card company as a percentage of the balance transfer amount.

Although an annual fee is only charged by a small number of UK 0% credit cards, balance transfer fees do apply to most currently available 0% credit cards when making a balance transfer.


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