Credit Builder Card
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Ulster Bank · MASTERCARD
The Credit Builder Card is a credit card from Ulster Bank on the MASTERCARD network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 34.9% p.a. (variable)
- Foreign transaction fee
- 2.75%
- Network
- MASTERCARD
Benefits and perks
- Build your credit score – new to borrowing? Got a low credit score? This card could help boost your score, so it could be easier and cheaper for you to borrow in future.
- Pay 3% less interest after 12 months – just use this card at least once, pay us back on time, and don’t go over your credit limit.
- No annual fee – you won't pay a fee each year to have this card.
- You could borrow between £250-£1,500
- The maximum interest-free period is up to 56 days and only applies to purchases.
- No late payment fee and no fee for going over your credit limit.
Questions about the Credit Builder Card
What is the annual fee on the Credit Builder Card?
The Credit Builder Card has an annual fee of £0.
Is the Credit Builder Card worth it?
The Credit Builder Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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