Compare Lloyds Bank credit cards

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5 of 5 results

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Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Not yet rated Lloyds Bank Advance Credit Card Existing Customers Only	Not yet rated	29.94%	29.94%	£0	29.9% APR (variable)	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.94% p.a. (variable).	Check View details Compare product selection Compare	loading
9Excellent Lloyds Bank Ultra Credit Card	9Excellent	18.94%	18.94%	£0	18.9% APR (variable)	Earn 1% cashback for 12 months (then 0.25%) on transactions at home and overseas. T&Cs apply.	Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% p.a. (variable).	Continue View details Compare product selection Compare	loading
9.6Excellent Lloyds Bank 0% Purchase and Balance Transfer	9.6Excellent	0% for 25 months	0% for 23 months (3.49% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.94% p.a. (variable).	Continue View details Compare product selection Compare	loading
9.5Excellent Lloyds Bank Long 0% Balance Transfer Card	9.5Excellent	0% for 6 months	0% for 35 months (2.49% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.94% p.a. (variable).	Continue View details Compare product selection Compare	loading
7.6Great Lloyds Bank World Elite Mastercard	7.6Great	22.94%	22.94%	£15 per month	55% APR (variable)	Representative example: Representative 55% APR variable. Based on £15 monthly fee, assumed borrowing of £1,200. Rate of interest 22.94% p.a. (variable).	Continue View details Compare product selection Compare	loading

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How we picked these

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Types of credit cards available from Lloyds

Lloyds offers a variety of credit card options designed to cater to different needs. Whether you are looking to transfer existing debt to a card with a lower interest rate or seeking a card for everyday spending that allows you to accumulate cashback, Lloyds has suitable choices. Note that rates can vary from person to person on application.

• 0% balance transfer (currently up to 35 months). Lloyds Bank provides a card specifically designed for individuals seeking to transfer high-interest credit card debts from other sources to Lloyds at a more affordable rate. You’ll be able to benefit from 0% interest on your balance transfers for a number of months. Just watch out for balance transfer fees. Learn more about balance transfer cards.
• 0% purchase (currently up to 25 months). Some moments in life call for hefty spend – like buying a car, getting married or taking that trip of a lifetime. A 0% purchase credit card allows you to spread the cost of these without incurring interest. Learn more about 0% purchase cards.
• Travel. If you’re looking for a card to take on holiday, so that you don’t end up shelling out an arm and a leg on foreign transaction fees, the Ultra Card is a strong choice. Learn more about cards for overseas spending.
• Credit building. Typically for young people thinking about their first credit card, or new arrivals to the country, credit builders come with lower credit limits but can be easier to get approved for. Other than that, they’re essentially very standard credit cards. Learn more about cards for building credit.
• Rewards/Perks. Earn cashback on your everyday purchases or benefit from travel perks such as airport lounge access and airport security fast track. The bougiest perks are offset my a monthly/annual fee. Learn more about rewards credit cards.

If you previously held a Halifax credit card, you may have found your account ported over to Lloyds in 2026.

Other benefits of a Lloyds credit card

If you get a credit card with Lloyds you can enjoy a range of benefits, as outlined below:

• Mobile payment technology. You can link your Lloyds credit card with Apple Pay or Android Pay to purchase items quickly and easily with your phone, wherever these payment options are available.
• Online and mobile banking. Lloyds has a modern online management system so you can see your credit card balance, transactions and any other activity associated with your account from any device with an internet connection. It also has mobile banking so you can manage your account from your phone or tablet, bank in branch and get text alerts.
• Global usage. As Lloyds Bank’s credit cards are all with Visa or Mastercard, your card should be accepted for purchases in countries across the world.
• Fraud protection. The bank offers a free service called ClickSafe, which is designed to ensure you are the only person using your card. It can help you feel safer when shopping online because you are protected from fraud. You can also freeze your cards from the app.
• UK call centres. We found that getting support from a real human was less painful than with some other large UK banks.

How to apply for a Lloyds Bank credit card

You can apply for a credit card online, by phone, or in-branch. While all options are available, Lloyds suggests applying online for a faster decision making process. Additionally, some card offers are exclusively accessible through the bank’s online platform.

On the Lloyds site, you can check your eligibility for the card you have in mind before you actually apply. All credit card issuers do this these days, because applying for a credit card involves a hard credit search, which means small (usually short-lived) negative impact on your credit score. As such, you don’t want to apply unless you’re confident you’ll get approved.

When applying you’ll need details to hand like your address, annual income and your current account number and sort code.

Eligibility requirements

Before you apply you should be aware of the basic eligibility requirements. If you don’t match them, your application will likely not be successful. You can do a quick check of your eligibility for a card – it’s free and will not affect your credit score.

To qualify, you must:

• Be at least 18 years old or over.
• Have a regular income.
• Be a resident of the United Kingdom.
• Not currently be declared bankrupt, have any county court judgements or be subject to an individual voluntary arrangement.
• Not have already applied for a card and been declined in the last 30 days.

If you are not approved, Lloyds Bank suggests going to the three credit reference agencies (TransUnion, Equifax and Experian) and getting visibility of your credit report. This can help you to spot whether something might be weighing down your credit score.

Why might you not be approved?

There are various reasons why your application could be rejected. One possibility is that you don’t meet the specific eligibility criteria set by the bank for a particular card. A lack of credit history or a track record of missed or late payments on loans, credit cards or your mortgage, can also work against you when applying for more credit.

What do customers say about Lloyds Bank?

91% of customers we surveyed in 2026 would recommend Lloyds Bank to a friend.

It provides a reliable and transparent credit card experience, particularly for existing banking customers who appreciate being able to manage everything in one app. The cards are widely accepted and historically offered excellent cashback, though some long-term users note these rewards have reduced recently.

While the customer service is praised—especially for handling fraud quickly—some users caution that the standard interest rates can be quite high.

AI-generated summary from the text of customer reviews on Finder.

Contact Lloyds Bank customer support

For help, you can contact Lloyds via telephone or video call, or you can pop into your local branch.

Overview of Lloyds Bank credit cards

Bottom line

Lloyds Bank offers a strong range of credit cards that covers most bases – whether you’re looking to transfer a balance, spread the cost of a large purchase or earn cashback. Its “Ultra” travel credit card is particularly competitive. However, as always, you should compare these credit cards against others on the market to be sure you’re getting the best deal.

Frequently asked questions

• How is my credit card balance calculated?

  Your credit card balance is calculated by taking any leftover balance from the previous month and adding any new purchases, cash withdrawals, and balance transfers, plus any interest or fees due.

• How do I query charges that have been applied to my Credit Card account?

  You can query charges that have been applied to your account by calling customer services.

• What is my last payment date?

  This is the date of your last payment as it appears on your credit card statement after it has cleared.

• Can I make additional payments to my credit card if I have a Direct Debit set up?

  You can make a one-off payment to your credit card account at any time.

• What is the estimated interest that shows on my statement?

  Estimated interest is an estimate of the interest you’ll have to pay next month. It assumes:

  • You pay only the minimum due
  • You pay by the due date
  • You have no more transactions before your next statement
  • You don’t change your statement due date
  • Your standard interest rates and the way Lloyds calculates interest does not change
  • The estimate does not include reduced interest if a promotional rate starts before your next statement is produced.

• What happens if I go over my credit card limit?

  If you go over the credit limit on your credit card, you may be charged an over limit fee and any promotional offers on your account (such as a 0% deal) may be cancelled.

• How much will I be charged if I miss a credit card payment?

  The charge for late payment is £12.

Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 502 Finder guides across topics including:

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