How you earn
£1,200 credit limit.
- NI - RBS group Reward card equivalent. Verify availability.
Cashback
Data pending
We're still confirming this card's earn rate.
Rep. APR
12.90%
Variable
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
£1,200 credit limit.
No non-sterling transaction fee on purchases.
The Ulster Bank Reward Credit Card stands out in two areas: fee-free foreign spending and a low 12.90% APR, well below the 27.90% typical for fee-free cards. Abroad, it charges practically nothing off the real exchange rate, which matches the best cards we have measured. There is no annual fee, which keeps it accessible, though the earn benchmark is null so I cannot say how its cashback stacks up against the market. If rewards on everyday spending matter more to you, the Chase Credit Card returns £20 cashback on £1,000, which is worth considering.
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