The Lloyds Ultra Credit Card is designed for those who are looking to get a little more from their everyday spending. With a 1% cashback rate for the first year and fee-free use abroad, this card can be an excellent tool for maximising rewards on essential purchases. The representative APR is 12.9% and there’s no annual fee, making it appealing for everyday users. Once the introductory 1% cashback ends, you’ll continue to earn 0.25% cashback on all eligible purchases.

The maximum credit limit depends on your individual circumstances and credit rating, so Lloyds will determine this during the application process. To get the most from this card, applicants must be able to pay off their balance in full each month to avoid interest charges and maximise rewards.

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First, check your eligibility through Lloyds’ online eligibility checker. This won’t affect your credit score and will give you an idea of your acceptance odds.

Next, complete the secure online application by providing your personal and financial details. Accurately fill in all the required fields for a smooth process.

If approved, you’ll receive your new Lloyds Ultra Credit Card by post. Activate the card and set up a Direct Debit to always pay the full balance each month, ensuring you never miss a payment and can enjoy rewards without interest charges.

Why Choose the Lloyds Ultra Credit Card?

This card stands out for its unlimited 1% cashback offer during the first year, allowing regular spenders to rack up sizeable rewards.

Fee-free spending and cash withdrawals abroad make it especially attractive for those who travel frequently or make purchases in foreign currencies. You avoid the common international usage fees associated with many other cards.

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The generous cashback rate drops to 0.25% after the first year, which is still competitive but less lucrative for high spenders.

Applicants must have a strong credit profile to get the best possible credit limit and to maximise the approval chances for this card.

평결

The Lloyds Ultra Credit Card packs value for both everyday spenders and those who travel often, thanks to its strong rewards and lack of foreign usage fees. It’s a solid choice if you always pay in full.