Lloyds Ultra Credit Card
Lloyds
- 1%Cashback on all purchases for the first year
- 0.25%Cashback on all purchases thereafter
Earn 1% cashback on all purchases for the first 12 months, dropping to 0.25% thereafter.
1% cashback on all purchases for the first year, 0.25% thereafter.
12.9% Variable APR
The Lloyds Ultra Credit Card stands out as the top choice because it offers a competitive 1% cashback on all purchases for the first year, making it ideal for users looking to maximize rewards without incurring annual fees.
Pros:
- No annual fee
- 1% cashback on all purchases for the first year
Cons:
- Cashback drops to 0.25% after the first year
- Variable APR
The Lloyds Ultra Credit Card may be particularly suitable for individuals seeking a no-annual-fee option that offers a straightforward cashback reward structure, especially those who can benefit from the introductory 1% cashback on all purchases in the first year. Its modest reward rate thereafter may appeal to those who prefer simplicity over complex rewards programs.