Lloyds Ultra Credit Card

Key facts
Representative APR	18.9% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£0
Foreign transaction fee	0% (no foreign transaction fees)
Standard purchase rate	18.94%
Cash withdrawal fee	No cash withdrawal fee from Lloyds (interest applies)
Rewards / cashback	1% cashback first year, then 0.25%
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.

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Source: lloydsbank.com/credit-cards/ultra.html · Last checked 30 October 2026

Figures are as published by Lloyds Bank when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.