If you can’t decide whether you want a Visa or Master Card you can choose either one when you look at the Ulster Bank credit card. This offer for a credit card comes with a no annual fee attached to it. There are so many cards out there right now that card for their cards this can be a nice advantage. The card will come with a 0% APR for the first nine months that you have the card and can be used on balance transfers as well as purchases. Fewer cards offer this double benefit any more. The standard rate will be variable and at the time of this writing is at 16.5%. If you wish to get a cash advance you will have a variable rate of 20.7 percent once your card is opened.
If you pay the full amount of your outstanding balance within twenty five days of your statement date and you have repaid the previous month’s balance in full and on time you can get up to 56 days of interest-free credit. This is especially nice if you don’t carry a balance and can take advantage of it.
There is a travel accident insurance coverage available for no cost and you would be covered up to €90,000 if you use your Ulster Bank credit card for the entire trip. You will want to read the terms and conditions that apply to this option when you research this card.
There are also several other protections you may want to take a look at with this card. There is an option to get the repayment protector. This would give you the option to have the card payments made if you had an emergency arise such as illness, redundancy or death. This is explained in detail when you read the important information section about repayment protection.
The other primary option for you with the Ulster Bank credit card is the Card Protection Plan. Also described as CPP this would help you if your card was lost or stolen. This protection also extends to the other cards you carry and it includes membership cards too. If they go missing the protection plan will have a list provided by you and they will notify them for you all at once. This is a great relief for you as the information will get to your other issuers in a timely manner. You would also have access to emergency cash advance and you would have twenty eight days to repay it. If your travel tickets are lost or stolen with your cards they can even help replace them. That is quite a good benefit for a card that doesn’t charge an annual fee.
You will want to study the legal information provided at the website you must be 18 years of age to acquire this card and you must adhere to the terms and conditions. Cash advances are available and you can withdraw cash from an ATM with the MasterCard symbol.