Ulster Bank Ulster Bank Reward Credit Card

Ulster Bank Reward Credit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

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

How you earn

£1,200 credit limit.

  • NI - RBS group Reward card equivalent. Verify availability.

Using it abroad

No non-sterling transaction fee on purchases.

  • No foreign transaction fees (you'll still pay fees if you take money out of a cash machine abroad).
See today's live travel money rates

Our Expert Opinion on Ulster Bank Reward Credit Card

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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