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Credit cards
Explore our types of credit cards
On this page
Check your eligibility
1. Choose a credit card
Looking for a credit card? We have a wide range of cards available, each with its own features and benefits. Choose the card that best suits you.
2. Check your eligibility
We'll check your eligibility at the start and ask a few questions about you so we can let you know if you'll be approved for a credit card.
3. Complete application
We'll show you your personalised credit limit and interest rate, then you can decide if you wish to go ahead with your application.
Don't worry - there is no impact on your credit score until you decide you want to go ahead with your application.
Showing 4 credit cards
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% for 17 months from account opening on purchases, after which standard rates apply.
- 0% for 17 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 2.99% balance transfer fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 0% on purchases for 3 months from account opening, thereafter standard rates apply.
- 3.49% balance transfer fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% for 14 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- No fee to transfer a balance to this credit card.
- 0% on purchases for 3 months from account opening, thereafter standard rates apply.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
The Ulster Bank Credit Card
Good for - low rates and saving money abroad
- No foreign transaction fees on purchases.
- Low rates on purchases and balance transfers.
- No balance transfer fees.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 3 cards
Purchase & Balance Transfer card
Good for - time to pay off purchases and balances
- 0% for 17 months from account opening on purchases, after which standard rates apply.
- 0% for 17 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 2.99% balance transfer fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Longer Balance Transfer card
Good for - more time to pay off balances
- 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- 0% on purchases for 3 months from account opening, there after standard rates apply.
- 3.49% balance transfer fee.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Balance Transfer credit card
Good for - no fee to transfer a balance
- 0% for 14 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- No fee to transfer a balance to this credit card.
- 0% on purchases for 3 months from account opening, thereafter standard rates apply.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Showing 1 card
The Ulster Bank Credit Card
Good for - low rates on spending
- Low rates on purchases and balance transfers.
- No balance transfer fees.
- No foreign transaction fees on purchases.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
Showing 1 card
The Ulster Bank Credit Card
Good for - low rates on spending
- Low rates on purchases and balance transfers.
- No balance transfer fees.
- No foreign transaction fees on purchases.
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year
Representative example
Your actual credit limit and APR may vary depending on our credit assessment of you.
See your borrowing options
Not sure if a credit card, loan or overdraft is best for you? Find out the ins and outs of each using our borrowing options guide.
See what other people are asking
How does a credit card work?
Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.
For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.
Where can I use my credit card?
Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.
Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £100 or less.
If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.
How does credit card APR work?
APR stands for Annual Percentage Rate.
With credit cards, there can sometimes be upfront costs such as an annual fee for the card. So, APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing. APR can also be referred to as the 'full cost of borrowing'.
How to get extra help with your banking?
Are you an existing customer who needs a little more help? Maybe you’ve got a disability, English is your second language, or you’ve recently lost someone.
We’re here for you. Just let us know once, so we can update our systems and offer you the support you need.
You can tell us online, call us, or visit a branch. To share your details with us, go to Banking My Way.
Yes.
3 ways we've made our credit cards easier for you to use:
- A notch in your card, so you know which way round to use it - no more fumbling at the cash machine, or card reader.
- Raised dots or line for recognition - you'll instantly know which is your Ulster Bank credit card.
- Bigger telephone numbers on the back of the card - to help make it simpler to see.