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Useful information

Credit Cards - Do we have a credit card to suit you?

Clear Rate MasterCard

  • Standard interest rate for purchases and balance transfers: 6.9% p.a. (variable)
  • Transfer up to a limit of 95% of your credit limit so, if your new Clear Rate MasterCard has a limit of 2000, you could switch up to 1900
  • To apply you need to be UK Resident, aged 18 or over with regular dependable income

Representative Example:

Representative 11.1% APR (variable)
based on an assumed Credit Limit of 1,200.

Standard Interest rate for Purchases:
6.9% p.a. (variable)
Annual fee: 24

Please Note

The actual credit limit assigned to your Clear Rate account will vary depending on our credit assessment of you. The actual APR you'll receive will depend on your circumstances and you may receive higher than our standard purchase and balance transfer rate of 6.9% p.a (variable) upon application. For some customers, the purchase and balance transfer rates will be either 11.9% p.a (variable) or 14.9% p.a (variable). See summary box for full details.

Interest on fees and charges is payable inline with our terms and conditions.


Gold card

  • Standard interest rate for balance transfers and purchases: 16.9% p.a. (variable).
  • Transfer up to a limit of 95% of your credit limit - so, if your new Gold MasterCard has a limit of 3,000, you could switch up to 2,850.
  • Available to over 18s earning at least 20,000 per year.

Representative Example:

Representative 16.9% APR (variable)
based on an assumed Credit Limit of 1,200.

Standard interest rate for purchases:
16.9% p.a. (variable)

The actual credit limit assigned to your account will vary depending on our credit assessment of you.

Exclusive MasterCard Benefits

As an Ulster Bank credit card holder you can access exclusive benefits including:

MasterCard Customers
Access even more benefits by logging onto MasterCard's website

To benefit from the full period of any special offer; including any introductory special offers, you must not break any terms of your credit card agreement.

Allocation of Payments: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first. See General Condition 6 of your Credit Card Agreement for full details.