No Annual Fee Cards

[1] WWF Visa Credit Card
More Info	- Make a difference at no extra cost to you with the WWF credit card! WWF receives contributions from MBNA Europe Bank Limited, the card issuer, for every card purchase made. Over £10 million has been raised to date! - WWF will send you a beautiful soft toy to match the animal on your card when you spend over £100 within 90 days of the account opening. - You will also be entitled to a 10% discount on WWF's collection of eco-friendly gifts and products when you shop at WWF. - 0% on balance transfers for 12 months (3% handling fee) - 0% on money transfers from your credit card to your current account for 12 months (4% handling fee) - 0% on card purchases for 3 months from the date your account is opened - Representative 16.9% APR (variable) - No Annual Fee
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[2] Virgin Money Monthly Prepaid Visa Card
Terms |  More Info	- No bank account needed, and no credit checks - It's a secure way to shop - online, by phone and in store - It makes budgeting easy - Great discounts at Virgin companies - A choice of 'Pay as you go' or 'Pay monthly' tariffs
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) £10.00 £9.95* N/A View No Bad Credit OK* Card transaction/cash withdrawal fee Int'l cash withdrawal fee Monthly management fee Order a replacement/extra card Overseas transaction fee Paper statement fee 2.95% 3.5% NONE £4.95 3.5% £3.50 Top up at a Post Office Top up by PayPoint Top up by credit card Top up by debit card at virginmoney Top up by direct transfer FREE 2.75% 2.5% FREE FREE

[3] Virgin Credit Card
Terms |  More Info	- 0% for 20 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.99% handling fee applies) - 0% for 3 months on card purchases* (from the date your account is opened) - Discounts at loads of Virgin companies - Discounted vouchers for leading high street stores - Representative Example: 16.8% APR Representative (variable). Based on 2.99% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.8%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* up to 20 months* 16.80%* £0.00* 50 days* Fair*

[4] Virgin Atlantic American Express® White Card
Terms |  More Info	- 3,000 bonus Flying Club miles on your first card purchase - 1 Flying Club mile for every £1 you spend - 2 Flying Club miles for every £1 spent direct with Virgin Atlantic, Virgin Holidays and Regus business centres - Receive a Premium Economy reward upgrade on an Economy redemption booking when you spend £10,000 on your card in a year. You can earn 2 of these upgrades every year. - Enjoy a complimentary companion reward flight when you spend £15,000 on your card in a year. So you can bring a friend with you, on us - 10% off all Virgin Holidays packages - No annual fee - 0% on balance transfers for 6 months from the date your account is opened. 2% handling fee applies - Representative 17.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 17.90%* £0.00* 46 days* Good*

[5] Vanquis Visa Credit Card
Terms |  More Info	- Sensible credit limit starting from £250 to £1000 - Simple application process - Friendly UK call centre to give you the support you need - Representative Example: 39.94% APR Representative (variable). Based on credit limit of £1000.00, annual interest rate (variable) 39.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 39.90%* £0.00* 56 days* No Credit*

[6] UNICEF Credit Card
More Info	- UNICEF will receive £4 when you use your card within 90 days of the account opening - They will also receive 25p for every £100 you spend on card purchases - 0% on balance transfers for 12 months (3% handling fee) - 0% on card purchases for 3 months - No Annual Fee - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months on BT* 16.90%* £0.00* 50 days* Good*

[7] Tesco Clubcard Credit Card
Terms |  More Info	- 0% interest for 15 months on ALL purchases from account opening - 0% interest for 9 months on balance transfers from account opening (2.9% fee) - A faster way to collect Clubcard points - 1 point awarded per £4 spent - Your way to collect Clubcard points - Apply online for an instant decision - A defaqto 5 star rating for excellent quality - Representative Example: 16.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months* 16.90%* £0.00* 51 days* Good*

[8] SonyCard Credit Card from MBNA
More Info	- 0% on balance transfers for 12 months (3% handling fee) - 0% on money transfers from your credit card to your current account for 12 months (4% handling fee) - 0% on card purchases for 6 months from the date your account is opened - 2,000 FREE Sony Card Rewards Points* when you make a card purchase within the first 90 days – that's enough to claim a CD or DVD - Earn Reward Points every time you spend using your Sony Card - TRIPLE Reward Points – when you buy products from Sony using your Sony Card. - As a Sony Card Customer we'll keep you up to date with what's new in the world of Sony's Entertainment world – and you'll also be able to enter Dream Draws giving you access to exclusive offers from Sony - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[9] Sainsbury's Nectar Credit Card
More Info	- No balance transfer fee - 0% apr on Balance Transfer for 10 months - No annual fee - Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend - Optional repayment cover - Representative 12.92% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months* 12.92%* £0.00* See T&C** Good*

[10] Sainsbury's Mastercard for Nectar Card Holders
Terms |  More Info	- 0% for the first 12 months on purchases - 0% for the first 12 months on balance transfers (3% BT fee) - No annual fee - Full MasterCard benefits - Representative Example: 16.94% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.94%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.94%* £0.00* See T&C** Good*

[11] Sainsbury's Credit Card
More Info	- Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card. - 0% for the first 12 months on Sainsbury's shopping - 0% for the first 12 months on all other shopping - 0% for the first 12 months on balance transfers (+3% fee) - Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere - Representative Example: 16.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* up to 55 days* Good*

[12] RSPCA Credit Card
More Info	- For more than 180 years the RSPCA has been working to relieve the suffering of animals. Take out an RSPCA card today and MBNA Europe Bank Limited, the card issuer, will make a payment of £20 to the RSPCA. After that, for every £100 spent on card purchases, we receive 25p and it won't cost you a penny extra. - As little as £3 can help to pay towards our animal rescues, £10 could help to pay for treatment of an abused animal and £25 could help to pay for a loving new home for an abandoned kitten. With the RSPCA Credit Card, it’s not only the animals we rescue that benefit. Read on to find out more about how you could also benefit. - 0% on balance transfers for 12 months (3% handling fee) - 0% on card purchases for 3 months - No Annual Fee - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[13] RBS World MasterCard®
More Info	- 0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable). - 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable). - 2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. - No annual fee - Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 17.90%* £0.00* 51 days* Good*

[14] RBS Student MasterCard®
More Info	- Discounts on top brands like Lonely Planet, Firebox and HP - With a maximum initial credit limit of £500 keep spending under control - Get up to £250 each day (depending on your credit limit) from cash machines worldwide - With a Direct Debit you'll never miss a payment, or be charged a late fee - No annual fee - Representative Example: 18.9% APR Representative (variable). Based on credit limit of £1000.00, annual interest rate (variable) 18.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 18.90%* £0.00* 56 days* Poor*

[15] RBS Platinum Credit Card
Terms |  More Info	- 0% balance transfers for 20 months - 0% interest on purchases for 6 months from account opening - 3.2% Balance transfer fee – (minimum £5) - 1% off the APR for Royalties Gold customers - Free additional cardholder - Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.6%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 20 months on BT* 17.90%* £0.00* 56 days* Good*

[16] Post Office® Master Card
Terms |  More Info	- 0% on balance transfers for the first 14 months - 0% on purchases for the first 3 months - 0% commission on purchases overseas - 0% on new balance transfers for 12 months again and again - Representative Example: 16.9% APR Representative (variable). Based on 2.98% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* up to 14 months* 16.90%* £0.00* 56 days* Good*

[17] NatWest World MasterCard®
More Info	- 0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable). - 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable). - 2,500 bonus NatWest YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. - No annual fee - Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 17.90%* £0.00* 56 days* Good*

[18] NatWest Student MasterCard
More Info	- Discounts on brands like HP, Lonely Planet and Firebox.com - Control your spending with a £500 maximum credit limit - Never miss a credit card payment, and avoid late fees with Direct Debit - No annual fee - Representative Example: 18.9% APR Representative (variable). Based on credit limit of £1000.00, annual interest rate (variable) 18.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 18.90%* £0.00* 56 days* Poor*

[19] NatWest Platinum Credit Card
Terms |  More Info	- 0% on balance transfers for 20 months - 0% on purchases – for 6 months - 3.2% balance transfer fee - (minimum £5) - 1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months. - Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.6%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 20 months on BT* 17.60%* £0.00* 56 days* Good*

[20] Nationwide Gold Credit Card
Terms |  More Info	- Commission free purchases abroad - Up to 56 days interest-free credit - 0% APR on purchases for 3 months - 0% APR on Balance Transfers for 17 months - Free purchase cover for loss, theft or damage to most purchases over £50 - 12 month warranty on many gas or electrical products Peace of mind for all cardholders with Nationwide Fraud Watch. - Representative Example: 15.9% APR Representative (variable). Based on 2.95% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 15.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 17 months on BT* 16.90%* £0.00* 56 days* Good*

* Before applying for card online you should always be aware of the conditions and terms of the offer. While the company will make every effort to make sure all information in correct, doing your part is always recommended. There is no warranty on any of the credit card information presented.

** Every account comes with a guide; you should read this in order to be sure you get the maximum amount of benefits. You will also find details the restrictions that come with your new account.

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