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Lloyds Bank
Enjoy 1% cashback for the first year (0.25% thereafter, uncapped), no annual fee, and zero fees for spending or withdrawing abroad. Representative APR 12.9% variable.
How To Apply
Start by checking your eligibility before applying, which ensures a soft search does not affect your credit score. Next, gather details about your finances and identity to speed up the application process. Fill out the application form online, providing all requested details. Wait for a quick decision, and if approved, expect your card within a few working days.
Advantages
One of the main benefits is the attractive 1% cashback on all spending for the first year, without any annual fee. International travellers benefit from the absence of foreign transaction and ATM withdrawal fees, both in the UK and abroad, making it convenient for everyday and overseas purchases.
Drawbacks
The cashback rate drops to 0.25% after the first year, which may not be as compelling for long-term users. Additionally, approval criteria may be more stringent for those with poor credit histories, so eligibility is not guaranteed for everyone.
Our Verdict
The Lloyds Ultra Credit Card stands out for its simplicity, good introductory cashback, and traveller-friendly features. By paying off the balance in full each month, responsible users can maximise rewards and avoid interest. Overall, it’s a smart choice for those who want a straightforward card with real value.
