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Card2/4 on file
✓ Annual fee checked
Ulster Bank · Card

Credit Builder Card

Credit BuildingNo Annual Fee

The Credit Builder Card is a credit card from Ulster Bank with an annual fee of £0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with Ulster Bank: credit requirement. Ulster Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£0per yearChecked ulsterbank.co.uk
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on Ulster BankCompare this card
Opens Ulster Bank’s site
Ledger entry

The receipt

Every cost line we hold for the Credit Builder Card, exactly as recorded.

Annual fee
£0Checked ulsterbank.co.uk
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
34.9%Checked ulsterbank.co.uk
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with Ulster Bank
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Credit Builder Card. That may mean there isn’t one, or simply that we have not recorded it — Ulster Bank’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Credit Builder Card. Rather than print a multiplier we cannot source, this stays blank until Ulster Bank’s own terms give us one.

Not published by the issuer where we checked ()
Included

Perks & benefits

Card benefits

  • Could help boost your credit score
  • 3% interest reduction after 12 months of responsible use
  • No annual fee
  • Credit limit between £250-£1,500
  • Free credit score in app
  • Apple Pay and Google Pay support
  • Manage card via app with spending alerts
Next step

Ready to apply for the Credit Builder Card?

You'll finish the application on Ulster Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Ulster Bank’s site
Questions

Questions about the Credit Builder Card

How much is the Credit Builder Card annual fee?

The Credit Builder Card has an annual fee of £0. Weigh that against the rewards and perks you will actually use.

What does the Credit Builder Card earn?

Ulster Bank does not publish category earn rates for the Credit Builder Card where we checked (October 2026), so we do not print a multiplier.

What network is the Credit Builder Card on?

We hold no card network on record for the Credit Builder Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Ulster Bank before you apply.

Is the Credit Builder Card available in United Kingdom?

Yes — the Credit Builder Card is issued by Ulster Bank and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the Credit Builder Card figures last checked?

We checked its annual fee in September 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with Ulster Bank: credit requirement. Not published by Ulster Bank where we checked: earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee. Check them with Ulster Bank. Terms can change without notice, so confirm the current details with Ulster Bank before you apply.