No-Annual-Fee Miles Credit Cards in the UK
🇬🇧 6 cards in United Kingdom are recorded with a zero annual fee and no mandatory rewards charge.
Catalog checked 2026-10-20. Figures are in GBP and come from issuer and programme sources linked on each card profile.
At a glance
- 6 cards from 5 issuers: American Express, Virgin Money, Barclaycard, HSBC UK, Capital on Tap.
- Recorded annual cost runs from £0 (American Express British Airways American Express Credit Card) to £0 (Capital on Tap Business Credit Card — Free Rewards).
- Most recorded airline partners: American Express Rewards Credit Card (15). Recorded partners are not an exhaustive list.
Cards compared
| Card | Annual fee | Earning | Reward / route | Recorded partners | Checked |
|---|---|---|---|---|---|
| American Express Rewards Credit Card | £0 | 1 Membership Rewards point per full GBP 1 of purchases. | Membership Rewards points · Bank points | British Airways Club, Cathay, Delta SkyMiles, Emirates Skywards, Flying Blue, Iberia Club, Qantas Frequent Flyer, Qatar Airways Privilege Club and 7 more | 2026-10-20 |
| Barclaycard Avios | £0 | 1 Avios per GBP 1 on eligible purchases, balance transfers and money transfers within the credit limit (not cash). Spend GBP 20,000 within 12 months for a BA cabin… | Avios · Direct miles | British Airways Club | 2026-10-20 |
| American Express British Airways American Express Credit Card | £0 | 1 Avios per GBP 1 on purchases. No Avios on balance transfers, cash withdrawals, foreign exchange, interest or fees. A Companion Voucher is earned for GBP 15,000 spend… | Avios · Direct miles | British Airways Club | 2026-10-20 |
| Capital on Tap Business Credit Card — Free Rewards | £0 | 1 Capital on Tap point per GBP 1 of cleared card spend per the rewards help centre (the product page describes it as 1% cashback). | Capital on Tap points · Bank points | British Airways Club, Qatar Airways Privilege Club, Virgin Atlantic / Virgin Red, Radisson Rewards | 2026-10-20 |
| HSBC UK Premier Credit Card | £0 | 1.5 reward points per GBP 1 of eligible sterling spend; 2 per GBP 1 in another currency (2.99% non-sterling fee applies). | HSBC Reward Points · Bank points | British Airways Club, Emirates Skywards, Etihad Guest, Qatar Airways Privilege Club, Air India Maharaja Club | 2026-10-20 |
| Virgin Money Virgin Atlantic Reward Credit Card | £0 | 0.75 Virgin Points per GBP 1 on eligible purchases; 1.5 per GBP 1 directly with Virgin Atlantic or Virgin Holidays. A reward voucher (upgrade or companion ticket) is… | Virgin Points · Direct miles | Virgin Atlantic Flying Club | 2026-10-20 |
What to check before applying
- Residency, income and credit requirements are set by the issuer and can exclude you even when the card is listed.
- Welcome offers, limited-time transfer bonuses and award availability are deliberately not modelled.
- Confirm the current fee, earning caps, exclusions and expiry on the issuer’s own page before you apply: open a card profile for its sources.
A zero annual fee does not mean zero cost: interest, foreign-transaction charges and optional rewards fees are not part of this comparison. First-year waivers are not listed here; only a permanently recorded zero fee counts.
Related guides for United Kingdom
- All United Kingdom mileage cards
- Transferable Points Credit Cards in the UK
- Airline Co-Branded Credit Cards in the UK
- Business Credit Cards That Earn Miles in the UK
- Singapore Airlines KrisFlyer credit cards in the UK
- Cathay Pacific Asia Miles credit cards in the UK
- Air France–KLM Flying Blue credit cards in the UK
- Qatar Airways Privilege Club credit cards in the UK
- British Airways Club credit cards in the UK
- Virgin Atlantic Flying Club credit cards in the UK
- Qantas Frequent Flyer credit cards in the UK
- British Airways Club program guide
- Virgin Atlantic Flying Club program guide
- Qatar Airways Privilege Club program guide
- Cathay Pacific Asia Miles program guide
- Emirates Skywards program guide
- Air France–KLM Flying Blue program guide
- Before you transfer points
- Award booking checklist
- US, UK, Canada and Australia overview