Ulster Bank

Compare Ulster Bank credit cards

Ulster Bank offers a straightforward choice of two credit cards designed to provide a competitive option whatever your financial circumstances.

Owned by The Royal Bank of Scotland Group, Ulster Bank is one of the traditional “Big Four” Irish and Northern Irish banks. With 174 branches across Ireland and Northern Ireland, online account management and customer advisors on hand 24-hours a day, you can manage your money from anywhere at any time.

Ulster Bank credit cards are on the Mastercard network, so they can be used at more than 35 million merchants and ATMs worldwide.

Compare Ulster Bank credit cards

Comparison ordered by representative APR with affiliated products shown first.
Updated May 20th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
18.94%
18.9%
£0
18.9%
Representative example: When you spend £350 at a purchase rate of 18.94% (variable) p.a., your representative rate is 18.9% APR (variable).

Compare up to 4 providers

What types of card does Ulster Bank offer?

  • Balanced cards

    Designed to be straightforward but versatile, “balanced” cards usually offer a single low rate on purchases and balance transfers. So, if you hold a balance on another card with a high rate of interest, you can bring it across to this card and enjoy a low rate on the existing debt, and also on future purchases. Unlike the headline-grabbing cards of its rivals, which offer a rate of 0% for a set number of months after which a much higher rate kicks in, Ulster Bank’s card offers a low rate, indefinitely (although it’s not fixed).
    Learn more about low rate cards

  • Student cards

    The Ulster Bank Student credit card comes with a manageable credit limit to help you make the most of student life without building up extra debt. If you pay off your balance in full each month, you could build up a good credit rating. This card offers a longer than usual 0% rate on purchases. It also has no annual fee.
    Learn more about student credit cards

What benefits can I get with an Ulster Bank credit card?

  • It’s accepted widely. Ulster Bank credit cards are issued by Mastercard, one of the biggest credit card providers in the world.
  • Online banking. Manage all of your money in one place, 24/7, using the Ulster Bank website or app. Advisors are also on hand around the clock to help you over the phone.
  • Additional cardholder. You can add your spouse, partner or close friend to your credit card through the internet banking service. Additional cardholders must be aged 18 or over.
  • Fraud protection. If there are any suspicious transactions on your card, Ulster Bank will call you to make sure everything is ok. If your card is lost or stolen, you won’t have to pay for any misuse, as long as you notify the bank as soon as possible.

Applying for an Ulster Bank credit card

It will take about 15 minutes to fill in the online application form. You will need to provide details about your address/addresses for the past 3 years, your bank account and any balance transfers you wish to make. Once submitted, it can take up to 3 weeks to process your application. If you are approved, your new credit card should be with you within 5-7 working days.

Eligibility requirements

To apply for the Ulster Bank credit card, you must:

  • Be aged 18 or over
  • Be a permanent UK resident
  • Have an Ulster Bank current account
  • Earn at least £10,000 a year
To apply for the Ulster Bank student credit card, you must:

  • Be aged 18 or over
  • Be a permanent UK resident
  • Have an Ulster Bank student account

Why might you not be approved?

Typically, you won’t be approved for a credit card if you’ve got a history of bad debt or don’t meet the above eligibility criteria. If you’ve got an outstanding County Court Judgement (CCJ) or are on an Individual Voluntary Arrangement (IVA) it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, to ask for a credit report.

Frequently asked questions

Barclaycard Platinum 28 Month Balance Transfer Visa
Barclaycard Platinum 28 Month Balance Transfer Visa

Balance transfers:

0% for 28 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

M&S Bank Transfer Plus Mastercard
M&S Bank Transfer Plus Mastercard

Balance transfers:

0% for 28 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

Barclaycard Platinum No Fee Balance Transfer Visa
Barclaycard Platinum No Fee Balance Transfer Visa

Balance transfers:

0% for 20 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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