Lloyds Bank credit cards

As one of the largest UK banks, Lloyds Bank is likely to have a credit card to match your needs whether you’re looking to transfer an existing balance, pay 0% on new purchases, earn rewards or simply want one low rate. And, as cards the are part of the MasterCard family, you can use them to pay for goods or services in any one of 24million outlets worldwide.

 

Compare Lloyds Bank credit cards - Sorted by APR

  1. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    A simple, low rate for balance transfers and purchases - 6.45% p.a. (variable)
    But be aware that
    The promotional BT period applies to transfers made in the first 90 days
    The APR you get is subject to status, so may vary
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 6.45% p.a. (variable) your representative rate will be 6.4% APR (variable).

  2. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    3% fee applies, but is reduced to 0.8% for balances transferred within the first 90 days of account opening
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period and Fee applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    You'll be charged a 3% fee, but transfer a balance within 90 days and Lloyd's Bank will refund 0.59%, so the effective fee is 2.41%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period and Fee applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    Access to Lloyds Bank Money Manager & Lloyds Bank ClickSafe security
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    The standard 3% balance transfer fee is reduced to 2.5% for balances transferred within 90 days of account opening
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Choosing the reward you want, which include high street vouchers, cashback and Avios. Collecting double Choice points for the first six months on the American Express Card
    Collecting 10 Choice points for every £1 on the American Express® Card and 10 Choice points for every £5 on the MasterCard®
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £24 annual Fee your representative rate will be 23.7% APR (variable).

Guide to Lloyds Bank credit cards

As one of the UK’s biggest banks, Lloyds Bank offers a full range of financial services and products, including a variety of credit cards.

These include balance transfer credit cards, student card, cards for purchases and reward cards.

Rewards include Avios points (formerly Airmiles) as well as vouchers, gift cards, cashback and magazine subscriptions.

If you are specifically looking for a balance transfer card, always remember to factor in balance transfer fees, and check for annual charges too. If you are looking for a card that has an interest free period then it’s vital that you pay off the balance in full before this period ends otherwise you will be hit with interest payments,

You must be aged 18 and a UK resident to apply for any Lloyds Bank credit card.

Lloyds Bank credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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