Clear Rate Card - Credit Cards | Ulster Bank

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Clear Rate credit card

A simple low rate for everyday spending

Open to UK residents aged 18 or over with a regular dependable income. Lending criteria, terms and conditions apply.

Why choose a Clear Rate credit card?

 A simple low rate of 6.9% p.a. (variable) on purchases and balance transfers

Apply online in less than ten minutes for an instant decision

No balance transfer fees – just one £24 annual fee

  • You can transfer balances of any amount up to 95% of your available credit limit. The minimum balance transfer amount is £100.
  • It can take up to 3 weeks to process your application and for payment to reach your other accounts so please make payments to your other cards to keep them up to date and avoid any penalty fees.
  • If you have a transferred balance on your account, interest will be charged on any purchases you make from the date they are posted to your account at your standard interest rate.

Representative 11.1% APR (variable)

Clear Rate Credit Card


The need to knows

Designed for people who want a low-rate, low-maintenance credit card.

You’ll pay just one rate on purchases and balance transfers.

The actual APR you'll receive will depend on your circumstances. For some customers the purchase and balance transfer rates will be 11.9% p.a. (variable) or 14.9% p.a. (variable). 

Interest on fees and charges is payable in line with our terms and conditions. Check out the Summary Box for full details.


Summary box

Credit card important information


Representative Example
Representative APR 11.1% (variable)
Purchase Rate 6.9% (variable)
Assumed Credit Limit £1,200
Annual Fee £24

Your credit limit will vary depending on our credit assessment of you.

Apply online
Could you save on your interest payments?

Use our quick calculator to get an idea of how much you could save in fees and interest.

See how much you could save

Balance transfers

You can transfer up to 95% of your credit limit to the Clear Rate Credit Card (min £100). Find out how to transfer your balance.

Approval for a balance transfer is available once your application has been accepted.  If your credit limit is insufficient to process all of your requests, we will action them in the order in which you have provided them to us. 

Exclusive MasterCard benefits Perks and benefits

Become an Ulster Bank MasterCard customer and you’ll enjoy lots of exclusive offers. Learn more by visiting the MasterCard site.

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