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Lloyds Bank
Get 1% cashback for your first year, 0.25% after, on everyday and overseas spending. No annual fee. Attractive 12.9% representative APR.
The Lloyds Ultra Credit Card offers a fantastic chance for UK users to earn 1% cashback on all everyday spending in the first year, dropping to 0.25% thereafter. One standout benefit is there are no fees for overseas spending or ATM withdrawals if you repay in full each month. Its representative APR is a highly competitive 12.9%, making it suitable for those who settle their balance on time. There is no annual fee, keeping things convenient for budget-conscious individuals.
How to Apply: Step by Step
1. Check your eligibility on their tool before you proceed. 2. Prepare your ID and income details. 3. Complete the application form online. 4. Wait for instant approval or feedback. 5. Upon approval, activate your card and set up a direct debit for repayments.
Pros: Key Advantages
Earning 1% cashback on virtually all spending, including purchases abroad, is rare among UK cards. The cashback isn’t capped, so bigger spenders benefit even more. The lack of an annual fee and attractive low APR make it an accessible choice for many.
Fee-free foreign spending is a huge bonus, especially for travellers who would otherwise pay extra charges. This feature, combined with the competitive cashback, really sets the Lloyds Ultra Credit Card apart from most competitors in 2026.
Cons: Considerations
The generous 1% cashback only lasts for the first year, dropping to a less exciting 0.25% afterwards. To earn significant rewards, you’ll need to use the card for most of your monthly outgoings and pay off in full each month.
If you don’t always repay in full, any interest charges will quickly outweigh the cashback earned. Also, certain transactions (like gambling and foreign currency purchases) are excluded from cashback offers.
Our Verdict
If you want to earn straightforward rewards from everyday spending while avoiding overseas fees, the Lloyds Ultra Credit Card is one of the best options available. It’s especially right for budget-savvy shoppers and regular travellers who are able to repay balances each month. The low APR, no annual fee, and compelling cashback for the first year make it a top pick in the GB credit card market.
