No annual fee credit card. Anyone have it?

[maxima]

I am trying to rid of my HSBC accounts. But they want to close my credit card as well because it is 'linked' to the account (not sure what does it mean).

I am looking around and it seems everyone charges for credit card.

I dont use it for credit really but time to time I need credit card to buy stuff (especially in US where debit cards are often not accepted).

So I dont care what APR would be. But I want to avoid annual charges.

Anyone has no annual fee credit card? I'd appreciate if you could share with others.

[DaveB]

Amex do three no charge cards, their Basic Card, a Nectar card that gets you Nectar points when you use it ( I have one of these) and a British Airways card that gets you Avios points used to be air miles).

[escapeUK]

I am trying to rid of my HSBC accounts. But they want to close my credit card as well because it is 'linked' to the account (not sure what does it mean).

I am looking around and it seems everyone charges for credit card.

I dont use it for credit really but time to time I need credit card to buy stuff (especially in US where debit cards are often not accepted).

So I dont care what APR would be. But I want to avoid annual charges.

Anyone has no annual fee credit card? I'd appreciate if you could share with others.

Are we talking business credit cards? As all my personal cards have no annual fee, if not I would cancel them.

If you are talking business, just put it through your personal card and show it as a directors expense in your accounts and give yourself the money back. I do this all the time.

Are you sure re debit cards in the US? As all my debit cards are now Visa Debits which afaik are taken everywhere.

[The Spartan]

I have 3 and none of them have any annual charges, yo must be on about Business Credit Cards surely?

[maxima]

sorry guys.. yes I was talking about business card of course...

P.S. capital one advertises a 'business credit card' on many comparison websites. but in fact this is just a trick. I dont remember I saw anything as chicky as that. I will probably write to fsa. this is in fact a usual credit card which is on your personal name and the statements are on you personal name. not company name. i called them to clarify and asked how my company will be involved with such 'business card' and only got in response that 'you can use it for business purchase'

[FarmerPalmer]

I have an American Express Platinum Business, no annual fee and gives cashback.
Not sure that deal is available anymore, but they do have other no fee options:

American Express UK: Business Charge and Credit Cards with rewards

[SueEllen]

I am trying to rid of my HSBC accounts. But they want to close my credit card as well because it is 'linked' to the account (not sure what does it mean).

What it means if you decide not to pay the credit card off they can help themselves to the funds in your business current or other business accounts you hold with them.

If you bank somewhere different it's harder for them to do this.

With personal credit cards the bank will just screw up your credit rating if they can't get the money off you.

I dont use it for credit really but time to time I need credit card to buy stuff (especially in US where debit cards are often not accepted).

So I dont care what APR would be. But I want to avoid annual charges.

I think you should look at how they do their currency conversion if you are only interested in using the card abroad.

You may find it cheaper to pay say £30 annually and not get stung for a 5% charge plus some odd calculation of the exchange rate which some bank do on their credit cards.

[Scrag Meister]

My MBNA card doesn't charge a fee.

I only use it to pay for stuff so it's insured, and pay it off entirely each month.

There are also reward points scheme which is a very minor added bonus.

[FarmerPalmer]

Looks like Capital One may also be an option:

Top 10 Business Credit Cards UK - Compare Best Business Credit Card Deals

[geoffreywhereveryoumaybe]

Capital One

Just got mine through - and like their personal credit card it is fee free and pays cashback - Earn 5% Cashback on everything you buy for the first 3 months (max £100) and up to 1.25% unlimited cashback thereafter