Lloyds Ultra Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Lloyds Ultra Credit Card4.8/5

Lloyds

Annual fee
£0
Rewards rate
1%-0.25%
Welcome Bonus
1% cashback
Apply Now →on Lloyds's website
Regular APR:12.9% APR variable

  • 1%Cashback on all purchases for the first year
  • 0.25%Cashback on all purchases after the first year

Welcome Bonus:

1% cashback on all card purchases you make in the first year from account opening. After that, earn 0.25% cashback.

Reward Rate:

Earn 1% cashback on all purchases (including overseas) for the first 12 months. After that, earn 0.25% cashback.

APR:

12.9% APR variable

The Lloyds Ultra Credit Card stands out as the top choice because it offers a straightforward cashback structure with no monthly fees, making it ideal for everyday spending.

Pros:

  • No monthly account fees
  • Simple cashback structure

Cons:

  • Cashback rate drops significantly after the first year
  • Limited additional benefits
Apply now →

The Lloyds Ultra Credit Card may be suitable for individuals seeking a no-annual-fee credit card that rewards everyday spending with a straightforward cashback structure. Its welcome bonus and competitive reward rates make it a practical choice for those who prefer simplicity in their credit card rewards without incurring additional costs.

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