Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
12.9% APR variable
The Lloyds Bank Ultra Credit Card stands out as the top choice because it offers a straightforward cashback structure with no fees, making it ideal for everyday spending. Its competitive APR and lack of foreign transaction fees enhance its appeal for frequent travelers.
Pros:
- No annual or monthly account fees
- Low ongoing interest rate
Cons:
- Cashback rate drops after the first year
- Interest charged on cash withdrawals
The Lloyds Bank Ultra Credit Card is well-suited for individuals seeking a no-fee credit card that provides a simple cashback structure for everyday purchases. Its competitive APR and absence of foreign transaction fees make it particularly advantageous for those who travel frequently, offering a practical option for both domestic and international spending.