{"id":567809,"date":"2025-10-31T12:03:11","date_gmt":"2025-10-31T12:03:11","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=567809"},"modified":"2026-10-09T08:53:16","modified_gmt":"2026-10-09T07:53:16","slug":"lloyds-ultra-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/lloyds-bank\/lloyds-ultra-credit-card","title":{"rendered":"Lloyds Bank Ultra Credit Card review"},"content":{"rendered":"<p>The Lloyds Bank Ultra Credit Card is issued on the Visa network (used by a whopping 5 billion credit\/debit cards), so you'll be able to use it at more than 150 million merchant locations across more than 200 countries and territories.<\/p>\n\n\n<div id=\"overtablehero\">\n<\/div>\n<h2>Calculate what the Lloyds Ultra Credit Card could save you in foreign transaction fees (and earn you in cashback)<\/h2><article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">Foreign transaction fees and cashback calculator<\/legend>\n\n<div class=\"luna-form__group\">\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput1\">Amount spent abroad<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"10\" placeholder=\"\" id=\"ukfininput1\" value=\"800\" min=\"0\">\n<\/div>\n<span class=\"luna-form__info\" id=\"information-1\">(equivalent in GBP)<\/span>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\">Foreign transaction fee<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"\" id=\"ukfininput2\" value=\"0\" min=\"0\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<span class=\"luna-form__info\" id=\"information-2\">(this is commonly 2.99%)<\/span>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput3\">Cashback earn rate<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"\" id=\"ukfininput3\" value=\"1\" min=\"0\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<span class=\"luna-form__info\" id=\"information-3\">(1% would mean \u00a31 per \u00a3100 spent)<\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"showResults(0);\">Calculate<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block\">\n<p class=\"text-x-large no-margin-bottom\" id=\"resultmessage\">Use the fields above to estimate foreign transaction fees and cashback earned.<\/p>\n<div id=\"clcdsclmr\" class=\"text-x-small u-leading--snug is-hidden\">Please note this calculator provides illustrative estimates only. Where a cashback rate has been specified, it assumes that all transactions were eligible for cashback and that the cashback was uncapped. It does not take into account any interest that might be payable or any annual\/monthly account fee. 2.99% is the most common foreign transaction fee across UK consumer credit cards as of October 2026 according to Defaqto data.<\/div>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', showResults(1), false);function showResults(onld) {\nconst spent = Number(document.getElementById(\"ukfininput1\").value);\nconst fxfee = Number(document.getElementById(\"ukfininput2\").value);\nconst cashbackearnrate = Number(document.getElementById(\"ukfininput3\").value);\nconst fxfeecharged = spent * fxfee\/100;\nconst cashbackearned = spent * cashbackearnrate\/100;\nconst fxsaving = (spent * 0.0299) - fxfeecharged;\nconst bnft = cashbackearned - fxfeecharged;\nconst typclbnft = cashbackearned + fxsaving;\nlet smmry;\nif (fxfee === 0 && cashbackearned > 0) { smmry = \"Nice! You're \" + typclbnft.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \" better off than if you had used a card charging a more normal 2.99% foreign transaction fee and not paying cashback. You saved around \" + fxsaving.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \" in foreign transaction fees and earned \" + cashbackearned.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \" cashback.\"; } else if (fxfee === 0 && cashbackearned === 0) { smmry = \"No cashback, but you're \" + fxsaving.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \" better off than if you had used a card charging a more normal 2.99% foreign transaction fee.\"; } else if (fxfee > 0 && cashbackearned > fxfeecharged) { smmry = \"The cashback you earned outweighed the foreign transaction fees, leaving you \" + bnft.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \" better off overall.\"; } else if (fxfee > 0 && cashbackearned === fxfeecharged) { smmry = \"Your cashback and foreign transaction fees cancel each other out.\"; } else if (cashbackearned === 0) { smmry = \"Foreign transaction fees mean that the card cost you \" + (0-bnft).toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \".\"; } else { smmry = \"Hmmm... your cashback was outweighed by the foreign transaction fees, and the card has cost you \" + (0-bnft).toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + \".\"; }\nvar resultmessage = document.getElementById(\"resultmessage\");\nresultmessage.innerHTML = '<p>' + smmry + '<table class=\"luna-table\"><tbody class=\"luna-table__body\"><tr><th>Foreign transaction fees incurred<td class=\"luna-table__numeric\">' + fxfeecharged.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<tr><th>Cashback earned<td class=\"luna-table__numeric\">' + cashbackearned.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) +  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ASCENDING&quot;},{&quot;field&quot;:&quot;UKCCF.PRODUCT.UKCCFINCENTIVE&quot;,&quot;label&quot;:&quot;Incentive&quot;,&quot;directions&quot;:[&quot;ASCENDING&quot;,&quot;DESCENDING&quot;],&quot;urlExample&quot;:&quot;?sort=UKCCF.PRODUCT.UKCCFINCENTIVE ASCENDING&quot;},{&quot;field&quot;:&quot;UKCCF.PRODUCT.CTA_UKCCF_DYNAMIC_CTA&quot;,&quot;label&quot;:&quot;Link&quot;,&quot;directions&quot;:[&quot;ASCENDING&quot;,&quot;DESCENDING&quot;],&quot;urlExample&quot;:&quot;?sort=UKCCF.PRODUCT.CTA_UKCCF_DYNAMIC_CTA ASCENDING&quot;}]}<\/script><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"7f715ce3-0f7f-4f20-96fb-6b2cbfa983ad\" data-template=\"comparison\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"travelcreditcards\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"567809\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"travelcreditcards\",\"template\":\"comparison\",\"category_id\":\"7f715ce3-0f7f-4f20-96fb-6b2cbfa983ad\",\"category_name\":\"noforeignusagechargeeu\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1793364232}' data-disable-alternative-products=\"false\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"3f6e7a4a-8226-4e6c-8df9-51bc77100dc3\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"comparison-actions__filterAndSort\"><div id=\"portal-table-sort-button-mobile\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile\" class=\"comparison-actions__filter\"><\/div><\/div><div id=\"portal-tableWithFilters__table\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-7f715ce3-0f7f-4f20-96fb-6b2cbfa983ad\">4 of 32 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated daily<\/span><\/a><\/span><span class=\"templateTable__shareMyFilters is-hidden@xs is-hidden@sm\"><a class=\"share-filters-link\"><svg class=\"luna-icon luna-icon--small\"><use xlink:href=\"#share-fat\"><\/use><\/svg><span class=\"u-pl--1\">Share<\/span><\/a><\/span><\/div><\/div><div class=\"comparison-actions__filterAndSort--sticky\"><div id=\"portal-table-sort-button-mobile-sticky\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile-sticky\" class=\"comparison-actions__filter\"><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-table-id=\"1724\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"travelcreditcards\",\"template\":\"comparison\",\"category_id\":\"7f715ce3-0f7f-4f20-96fb-6b2cbfa983ad\",\"category_name\":\"noforeignusagechargeeu\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1793364232}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"4\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"4\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"32\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-user-filters data-table-filter-presets=\"02a06a17bfb0b41ad2b39372e5b413642e92ff89e38fc9a18fc36507a1a2e68c\" data-table-record-type=\"product\" data-table-record-ids='[\"22130fb7-fa6a-4f2a-b7c8-882735ddefb9\",\"80e39595-2a42-42d9-b784-1e37bad01ec1\",\"ca7e6a66-b37d-4a64-9f69-a571f10eb8e7\",\"f9e1c248-a505-4bdb-973c-681f4cddd03b\"]' data-total-data=\"4\" data-enable-top-filters=\"false\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"32\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-rewards-campaign-names=\"finder|creditec|aug-2026~ukccf\" data-rewards-component=\"template-products\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKCCF.PRODUCT.DATAPOINT_FINDER_SCORE_V2_M\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"PRODUCT.RATES_AND_FEES.FOREIGN_USAGE_CHARGE_RESTOFWORLD\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"foreign_usage_charge\">\n                                                        Foreign usage charge\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_OVERSEAS_CASH_ADVANCE_FEE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"foreign_cash_transaction_fee\"><span class=\"comparison-table__nameTooltip\" rel=\"popover\" data-tooltip-type=\"Foreign cash transaction fee\" data-content=\"Most credit cards charge a percentage-based fee for 'cash-like' transactions (buying foreign currency, withdrawing cash, getting cashback etc). If the fee was '3% (min. \u00a33)', then withdrawing \u00a320 would cost \u00a33, and withdrawing \u00a3200 would cost \u00a36.\">\n                    Foreign cash transaction fee\n                    <svg class=\"luna-icon\"><use xlink:href=\"#info\"><\/use><\/svg><\/span><span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_INTEREST_FREE_PERIOD_ON_FOREIGN_TRANSACTIONS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"interest-free_days_on_foreign_transactions\"><span class=\"comparison-table__nameTooltip\" rel=\"popover\" data-tooltip-type=\"Interest-free period on foreign transactions\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, non-sterling transactions are sometimes exempt from this benefit.\">\n                    Interest-free days on foreign transactions\n                    <svg class=\"luna-icon\"><use xlink:href=\"#info\"><\/use><\/svg><\/span><span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_INTEREST_FREE_PERIOD_ON_FOREIGN_CASH_TRANSACTIONS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"interest-free_days_on_foreign_cash_transactions\"><span class=\"comparison-table__nameTooltip\" rel=\"popover\" data-tooltip-type=\"Interest-free period on foreign cash transactions\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, cash transactions are usually exempt from this benefit.\">\n                    Interest-free days on foreign cash transactions\n                    <svg class=\"luna-icon\"><use xlink:href=\"#info\"><\/use><\/svg><\/span><span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCFINCENTIVE\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"incentive\">\n                                                        Incentive\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"representative_example\">\n                                                        Representative example\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"22130fb7-fa6a-4f2a-b7c8-882735ddefb9\" data-provider-id=\"c9c618ba-5d07-457b-9a7c-bbe559b70f31\" data-product-name=\"Santander All in One Credit Card\" data-provider-name=\"Santander\" data-rewards-campaign-name=\"finder|creditec|aug-2026~ukccf\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\/santander-all-in-one-credit-card-mastercard\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6613bf918341f.png\" alt=\"Santander All in One Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6613bf918341f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613bf918341f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613bf918341f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6613bf918341f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6613bf918341f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\/santander-all-in-one-credit-card-mastercard\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Santander All in One Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign usage charge\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_overseas_cash_advance_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign cash transaction fee\">\n                        3%<span class=\"table-popover\" rel=\"popover\" data-content='Most credit cards charge a percentage-based fee for \"cash-like\" transactions (buying foreign currency, withdrawing cash, getting cashback etc). If the fee was \"3% (min. \u00a33)\", then withdrawing \u00a320 would cost \u00a33, and withdrawing \u00a3200 would cost \u00a36.' title=\"Foreign cash transaction fees\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign transactions\"><span class=\"datatpstv\">Up to 56 days<\/span><span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, non-sterling transactions are sometimes exempt from this benefit.\" title=\"Interest-free period on foreign transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_cash_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign cash transactions\">\n                        0 days <span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, cash transactions are usually exempt from this benefit.\" title=\"Interest-free period on foreign cash transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"6\" data-decorator=\"text,ukccf.product.ukccfincentive\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; } .comparison-table__cta .luna-button--success { white-space: normal; line-height: 16px !important; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg> 0.5% cashback after \u00a31 of monthly spend. Maximum of \u00a310 paid per month. Paid monthly into Card Account.<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":29.8%.\u00a33,\u00a31,200.23.9%...\" data-column-index=\"7\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 29.8% APR variable. Based on \u00a33 monthly fee, assumed borrowing of \u00a31,200. Rate of interest 23.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; word-break: normal !important; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; } }.wlIframe__container .comparison-table .luna-button--success, .form__buttonContainer button.btn.btn-secondary { background-color: #007ac8; border-radius: 8px !important; font-style: normal !important; text-transform: none !important; }.wlIframe__container .comparison-table .luna-button--success:hover { background-color: #003186; }.wlIframe__container .comparison-table [data-heading*=\"Rewards earn rate\"] { display: block !important; }<\/style><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/santanderallinone-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22travelcreditcards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%227f715ce3-0f7f-4f20-96fb-6b2cbfa983ad%22%2C%22category_name%22%3A%22noforeignusagechargeeu%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221793364232%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22Santander%2BAll%2Bin%2BOne%2BCredit%2BCard%22%2C%22product_id%22%3A%2222130fb7-fa6a-4f2a-b7c8-882735ddefb9%22%2C%22offer_id%22%3A%2224702%22%2C%22finder_reward%22%3A%221%22%2C%22finder_reward_campaign_name%22%3A%22finder%257Ccreditec%257Caug-2026%257Eukccf%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22567809%22%2C%22post_path%22%3A%22credit-cards%252Flloyds-bank%252Flloyds-ultra-credit-card%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A340360%2C%22name%22%3A%22ukccf-review-table%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\" title=\"Check eligibility\" target=\"_blank\">              Check eligibility            <\/a><a href=\"#\" target=\"_blank\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Santander All in One Credit Card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-22130fb7-fa6a-4f2a-b7c8-882735ddefb9\" value=\"22130fb7-fa6a-4f2a-b7c8-882735ddefb9\" name=\"productID\" _productname=\" 8.7Great                            Santander All in One Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"22130fb7-fa6a-4f2a-b7c8-882735ddefb9\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-22130fb7-fa6a-4f2a-b7c8-882735ddefb9\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"80e39595-2a42-42d9-b784-1e37bad01ec1\" data-provider-id=\"2d9eeb3a-6df4-4f95-be4f-3edbe32a5482\" data-product-name=\"Royal Bank of Scotland Credit Card\" data-provider-name=\"Royal Bank of Scotland\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rbs\/rbs-royal-bank-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6ac4df4fea7a6.png\" alt=\"Royal Bank of Scotland Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6ac4df4fea7a6.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6ac4df4fea7a6.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6ac4df4fea7a6.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6ac4df4fea7a6.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6ac4df4fea7a6.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rbs\/rbs-royal-bank-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Royal Bank of Scotland Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign usage charge\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_overseas_cash_advance_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign cash transaction fee\">\n                        3%<span class=\"table-popover\" rel=\"popover\" data-content='Most credit cards charge a percentage-based fee for \"cash-like\" transactions (buying foreign currency, withdrawing cash, getting cashback etc). If the fee was \"3% (min. \u00a33)\", then withdrawing \u00a320 would cost \u00a33, and withdrawing \u00a3200 would cost \u00a36.' title=\"Foreign cash transaction fees\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign transactions\"><span class=\"datatpstv\">Up to 56 days<\/span><span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, non-sterling transactions are sometimes exempt from this benefit.\" title=\"Interest-free period on foreign transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_cash_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign cash transactions\">\n                        0 days <span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, cash transactions are usually exempt from this benefit.\" title=\"Interest-free period on foreign cash transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":12.9%.\u00a31,200.12.9%...\" data-column-index=\"7\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 12.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 12.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; word-break: normal !important; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; } }.wlIframe__container .comparison-table .luna-button--success, .form__buttonContainer button.btn.btn-secondary { background-color: #007ac8; border-radius: 8px !important; font-style: normal !important; text-transform: none !important; }.wlIframe__container .comparison-table .luna-button--success:hover { background-color: #003186; }.wlIframe__container .comparison-table [data-heading*=\"Rewards earn rate\"] { display: block !important; }<\/style><a href=\"#\" target=\"_blank\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Royal Bank of Scotland Credit Card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-80e39595-2a42-42d9-b784-1e37bad01ec1\" value=\"80e39595-2a42-42d9-b784-1e37bad01ec1\" name=\"productID\" _productname=\" 6.2Standard                            Royal Bank of Scotland Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":6.2,\"badges\":[],\"productId\":\"80e39595-2a42-42d9-b784-1e37bad01ec1\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-80e39595-2a42-42d9-b784-1e37bad01ec1\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"ca7e6a66-b37d-4a64-9f69-a571f10eb8e7\" data-provider-id=\"e9d0d679-aa49-4285-bf8a-6c68f148de9f\" data-product-name=\"NatWest Credit Card\" data-provider-name=\"NatWest\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/natwest\/natwest-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6ac4de51b38ce.png\" alt=\"NatWest Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6ac4de51b38ce.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6ac4de51b38ce.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6ac4de51b38ce.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6ac4de51b38ce.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6ac4de51b38ce.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/natwest\/natwest-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">NatWest Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign usage charge\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_overseas_cash_advance_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign cash transaction fee\">\n                        3%<span class=\"table-popover\" rel=\"popover\" data-content='Most credit cards charge a percentage-based fee for \"cash-like\" transactions (buying foreign currency, withdrawing cash, getting cashback etc). If the fee was \"3% (min. \u00a33)\", then withdrawing \u00a320 would cost \u00a33, and withdrawing \u00a3200 would cost \u00a36.' title=\"Foreign cash transaction fees\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign transactions\"><span class=\"datatpstv\">Up to 56 days<\/span><span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, non-sterling transactions are sometimes exempt from this benefit.\" title=\"Interest-free period on foreign transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_cash_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign cash transactions\">\n                        0 days <span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, cash transactions are usually exempt from this benefit.\" title=\"Interest-free period on foreign cash transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":12.9%.\u00a31,200.12.9%...\" data-column-index=\"7\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 12.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 12.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; word-break: normal !important; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; } }.wlIframe__container .comparison-table .luna-button--success, .form__buttonContainer button.btn.btn-secondary { background-color: #007ac8; border-radius: 8px !important; font-style: normal !important; text-transform: none !important; }.wlIframe__container .comparison-table .luna-button--success:hover { background-color: #003186; }.wlIframe__container .comparison-table [data-heading*=\"Rewards earn rate\"] { display: block !important; }<\/style><a href=\"#\" target=\"_blank\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The NatWest Credit Card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-ca7e6a66-b37d-4a64-9f69-a571f10eb8e7\" value=\"ca7e6a66-b37d-4a64-9f69-a571f10eb8e7\" name=\"productID\" _productname=\" 6.2Standard                            NatWest Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":6.2,\"badges\":[],\"productId\":\"ca7e6a66-b37d-4a64-9f69-a571f10eb8e7\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-ca7e6a66-b37d-4a64-9f69-a571f10eb8e7\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"f9e1c248-a505-4bdb-973c-681f4cddd03b\" data-provider-id=\"4687838d-50bf-4a5f-8afe-26200fdcf846\" data-product-name=\"Ulster Bank Credit Card\" data-provider-name=\"Ulster Bank\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/696f4b6e0d4aa.png\" alt=\"Ulster Bank Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/696f4b6e0d4aa.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/696f4b6e0d4aa.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/696f4b6e0d4aa.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/696f4b6e0d4aa.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/696f4b6e0d4aa.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Ulster Bank Credit Card<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">6.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign usage charge\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_overseas_cash_advance_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Foreign cash transaction fee\">\n                        3%<span class=\"table-popover\" rel=\"popover\" data-content='Most credit cards charge a percentage-based fee for \"cash-like\" transactions (buying foreign currency, withdrawing cash, getting cashback etc). If the fee was \"3% (min. \u00a33)\", then withdrawing \u00a320 would cost \u00a33, and withdrawing \u00a3200 would cost \u00a36.' title=\"Foreign cash transaction fees\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                          bottom-order-4\n                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign transactions\"><span class=\"datatpstv\">Up to 56 days<\/span><span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, non-sterling transactions are sometimes exempt from this benefit.\" title=\"Interest-free period on foreign transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.ukccf_interest_free_period_on_foreign_cash_transactions\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Interest-free days on foreign cash transactions\">\n                        0 days <span class=\"table-popover\" rel=\"popover\" data-content=\"With most credit cards on the UK market, provided you pay off your balance each month in full, you'll be able to avoid paying interest on purchases. However, cash transactions are usually exempt from this benefit.\" title=\"Interest-free period on foreign cash transactions\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":12.9%.\u00a31,200.12.9%...\" data-column-index=\"7\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 12.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 12.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-5\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; word-break: normal !important; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; } }.wlIframe__container .comparison-table .luna-button--success, .form__buttonContainer button.btn.btn-secondary { background-color: #007ac8; border-radius: 8px !important; font-style: normal !important; text-transform: none !important; }.wlIframe__container .comparison-table .luna-button--success:hover { background-color: #003186; }.wlIframe__container .comparison-table [data-heading*=\"Rewards earn rate\"] { display: block !important; }<\/style><a href=\"#\" target=\"_blank\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Ulster Bank Credit Card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-f9e1c248-a505-4bdb-973c-681f4cddd03b\" value=\"f9e1c248-a505-4bdb-973c-681f4cddd03b\" name=\"productID\" _productname=\" 6.2Standard                            Ulster Bank Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":6.2,\"badges\":[],\"productId\":\"f9e1c248-a505-4bdb-973c-681f4cddd03b\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-f9e1c248-a505-4bdb-973c-681f4cddd03b\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer \"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"4\">Load More<\/button><div class=\"js-show-more-data_count-7f715ce3-0f7f-4f20-96fb-6b2cbfa983ad comparison-table__dataCount\">Showing\n\t\t\t4\n\t\t\tof\n\t\t\t32\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKCCF\" data-rewards-component=\"compare-products\"><\/div><div class=\"product-modal\"><section class=\"luna-modal is-invisible\" aria-hidden=\"false\" role=\"dialog\" id=\"alternative-products-modal\" aria-labelledby=\"alternative-products-modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\"><div class=\"luna-modal__content\"><button class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\"><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#x\"><\/use><\/svg><\/button><div class=\"luna-modal__body\" id=\"modal-content\"><div class=\"luna-modal__wrapper\"><div class=\"modal-heading\" id=\"alternative-products-modal-heading\">Compare other products<\/div><div class=\"cta-modal__body\"><p class=\"cta-modal__intro-text cta-modal__intro-text--active-cta\" style=\"display: none;\">Looking for other options? Check out these similar products.<\/p><div class=\"cta-modal__cards-container\"><\/div><span class=\"cta-modal__popover table-popover\" rel=\"popover\" data-placement=\"top\" data-content=\"This list shows products with some similar features to the one you selected. It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for credit cards<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/methodology-for-rating-credit-cards\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article>\n<\/div><h2 id=\"repayment_options\">Repayment options<\/h2>\n\n\n<p>You can make manual repayments through Lloyds Bank's app by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.<\/p>\n\n<p>A direct debit protects you from forgetting to make a repayment and either damaging your <a data-trigger-introductory-modal=\"true\">credit score<\/a>,  getting hit with a penalty fee (\u00a312) or losing any promotional rates as a result. <\/p>\n\n\n<p>You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.<\/p>\n\n<h4>Choose from the following direct debit options for your monthly repayments:<\/h4>\n\n\n\n\n<table class=\"luna-table\">\n<tbody class=\"luna-table__body\">\n<tr><th scope=\"row\">Minimum amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Greater of: 2.5% of the underlying balance plus the month's interest and any applicable fees and charges; \u00a35; or the outstanding balance.\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-1\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-1\">Greater of: 2.5% of the underlying balance plus the month's interest and any applicable fees and charges; \u00a35; or the outstanding balance.<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Fixed amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"A set amount each month \u2013 e.g. \u00a350\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-2\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-2\">A set amount each month \u2013 e.g. \u00a350<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Fixed percentage <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Pay a fixed percentage of the balance\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-3\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-3\">Pay a fixed percentage of the balance<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--error luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Full amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Pay off the full outstanding balance every month\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-4\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-4\">Pay off the full outstanding balance every month<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<\/tbody>\n<\/table>\n\n<h2 id=\"how_to_apply\">How to apply<\/h2>\n\n\n\n\n<p>Before you actually apply, Lloyds can tell you whether or not you'd be likely to be approved. In fact Lloyds won't let you apply until you've done this. Checking eligibility took 3 minutes when I tested it. The process involves a \"soft\" search of your credit file (a search with no negative impact). You'll also get a helpful estimate of your credit limit at this point (not all UK banks bother to do this).<\/p>\r\n<p>If there's a good likelihood you'd be approved for the card, then you can go ahead with the actual application. In testing, I found this took six minutes. I did lose some time finding my current account sort code and account number \u2013\u00a0necessary for the application \u2013 but on the other hand I can't say I read every single word of the small-print... so six minutes is probably fair! And after six minutes, you'll know definitively that you've been approved. At the end of the application process you can set up a direct debit to clear your balance each month (which I'd strongly recommend), and it was good to see that my current account details had been remembered from earlier and pre-filled on the direct debit instruction.<\/p>\r\n<p>Applying for the Lloyds Ultra Card (or any credit card, for that matter) involves a \"hard\" credit search. This means a very small negative impact on your credit score, which is usually short-lived. It's perfectly normal to have hard credit searches in your credit file from time to time (though several in a short space of time would leave a tangible dent in your credit score and would look bad to any prospective lenders).<\/p>\r\n<p>Immediately after completing the application I received five emails. Great to see that it had all gone through... but a bit of a bombardment. The five emails were an \"adequate explanation\" document, a \"pre-contract credit information\" document, a \"What happens next\" explanation, \"How to access internet banking\" instructions and a \"Credit card agreement\" document.<\/p>\r\n<p>You can see the card in your Lloyds banking app within 4 days and start using it through your mobile wallet, if you don't want to wait for the physical card. I received my physical card just over a week after application. Surprisingly, it was delivered on the same day as the PIN (which is probably more of a reflection of the state of UK mail delivery, albeit one that the banks might have to adapt to).<\/p>\r\n<div class=\"u-grid\">\r\n<div class=\"u-grid__col u-1\/2@s\">\r\n<figure class=\"luna-figure\">\r\n<img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png\" alt=\"Lloyds Ultra Credit Card eligibility UX showing checker egg timer as soft search takes place.\" width=\"450\" height=\"374\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_1.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" loading=\"lazy\">\r\n<figcaption class=\"luna-caption\">1. Check your eligibility for the Ultra in 3 minutes \u2013 involves a simple form and a soft credit check.<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n<div class=\"u-grid__col u-1\/2@s\">\r\n<figure class=\"luna-figure\">\r\n<img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png\" alt=\"Lloyds Ultra Credit Card eligibility checker results with estimated credit limit.\" width=\"450\" height=\"374\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_2.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" loading=\"lazy\">\r\n<figcaption class=\"luna-caption\">2. After 3 minutes, you'll know whether or not it's worth applying AND what your credit limit would be.<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n<div class=\"u-grid__col u-1\/2@s\">\r\n<figure class=\"luna-figure\">\r\n<img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png\" alt=\"Lloyds Ultra Credit Card application UX involving questions about the applicant's employment.\" width=\"450\" height=\"374\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_3.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" loading=\"lazy\">\r\n<figcaption class=\"luna-caption\">3. You can then proceed to the real application, which is a 6-minute process.<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n<div class=\"u-grid__col u-1\/2@s\">\r\n<figure class=\"luna-figure\">\r\n<img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png\" alt=\"Lloyds Ultra Credit Card application process ending in direct debit instruction.\" width=\"450\" height=\"374\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/10\/lloyds_ultra_application_4.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\" loading=\"lazy\">\r\n<figcaption class=\"luna-caption\">4. At the end of the application, you'll be prompted to set up a direct debit for repayments.<\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n<\/div><h2 id=\"faqs\">Frequently asked questions<\/h2>\n\n\n\n\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\n\n\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">Can I withdraw cash using the Lloyds Bank Ultra Credit Card?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as \"cash-like transactions\" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and\/or higher rates of interest.<\/p>\n\n<p>\nThere's no cash advance fee on the Lloyds Bank Ultra Credit Card. However withdrawing cash on a credit card is generally best avoided as it's recorded on your credit record where it may put off prospective lenders in the future.\n<\/p>\n\n<p>The interest rate on this part of your balance will be 18.94%. That's chargeable from the day of the transaction \u2013 the card's usual \"up to 56 days interest-free\" grace period won't apply. On \u00a3500-worth of cash paid off 2 weeks later, that would mean \u00a33.34 of interest.<\/p><\/div>\n<\/div>\n<\/div>\n\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">How much does it cost to use the Lloyds Bank Ultra Credit Card abroad?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>\nNon-sterling transactions don't incur a currency conversion fee (they're converted at \"interbank\" rates).\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n<script type=\"application\/ld+json\">\n{\n\"@context\": \"https:\/\/schema.org\",\n\"@type\": \"CreditCard\",\n\"image\":\"s3:\/\/findercdn.com.au\/niche-builder\/68e8b8f2074ab.png\",\n\"name\":\"Lloyds Bank Ultra Credit Card\",\n\"provider\":{\"@type\":\"Organization\",\"name\":\"Lloyds Bank\"},\n\"requiredCollateral\": \"None\",\n\"annualPercentageRate\": \"18.9%\",\n\"amount\": {\n\"@type\": \"MonetaryAmount\",\n\"minValue\": \"Not specified\",\n\"maxValue\": \"Not specified\",\n\"currency\": \"GBP\"\n}\n}\n<\/script>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>We explore how the Lloyds Ultra credit card works to see if it\u2019s right for you.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"Lloyds Ultra Credit Card review: 0% FX fee, [nb:value record_type=\"PRODUCT\" field=\"REWARDS.INTRO_EARN_RATE\" decorator=\"GLOBAL.VALUE.PERCENTAGE\"] cashback \ud83d\udc4c","_yoast_wpseo_metadesc":"We unpack the fees and features of the versatile Lloyds Ultra credit card so you can see if it\u2019s right for 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06:34:24\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We added a calculator so you can quantify the benefit of the Lloyds Ultra Credit Card&#39;s 0% foreign transaction fee and the cashback it pays.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[3367],"tags":[],"asset_tag":[],"class_list":["post-567809","post","type-post","status-publish","format-standard","hentry","category-lloyds-bank"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Lloyds Ultra Credit Card review: 0% FX fee, 1% cashback \ud83d\udc4c<\/title>\n<meta name=\"description\" content=\"We unpack the fees and features of the versatile Lloyds Ultra credit card so 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