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
    A simple, low rate for balance transfers and purchases - 6.45% p.a. (variable)
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot transfer a balance from another Lloyds Bank card
    You cannot apply if you currently hold another Lloyds Bank credit card

    Representative Example:

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

  2. Great for
    A choice of ways to manage your account. Internet fraud protection
    But be aware that
    Your APR is subject to status and may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  3. Great for
    3.0% fee applies, but is reduced to 2.85% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Lloyds Bank credit card
    You won’t be able to transfer a balance that’s already on a Lloyds Bank Credit Card

    Representative Example:

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

  4. Great for
    3% fee applies, but is reduced to 0.4% by a refund
    But be aware that
    You cannot transfer a balance from another Lloyds Bank card
    APR is subject to status

    Representative Example:

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

  5. Great for
    0% interest for the first 18 months on balance transfers
    0% interest on purchases for the first 16 months
    But be aware that
    You cannot transfer a balance from another Lloyds Bank card
    APR is subject to status

    Representative Example:

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

  6. Great for
    Longest combined card on the market
    Lowest balance transfer fee on a 28 month card
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

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

  7. Great for
    Lloyds Bank ClickSafe security
    Access to Lloyds Bank Money Manager
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

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

    • Provider/Product name Student Credit Card

      Lloyds Bank

      Student Credit Card

    • Balance transfer 19.94% 3%fee
    • Purchases 19.94%
    • Rewards No rewards
    • Representative APR (variable) 19.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Lloyds Bank ClickSafe security
    But be aware that
    You must have a Lloyds Bank Student Account

    Representative Example:

    If you spend £1,000 at a purchase interest rate of 19.94% (variable) your representative APR will be 19.9% (variable).

    • Provider/Product name Business Credit Card

      Lloyds Bank

      Business Credit Card

    • Balance transfer - -
    • Purchases 16.3%
    • Rewards No rewards
    • Representative APR (variable) 22.4%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Flexible repayment options
    Detailed monthly statements
    Up to 45 days interest free on purchases
    But be aware that
    There is an annual fee of £32
    You must have held a Lloyds Bank business account for more than 12 months

    Representative Example:

    If you spend £1,200 at an annual interest rate of 22.4% (variable) with a £32 annual Fee your representative APR will be 22.4% (variable).

  8. Great for
    Upgrade up to Business Class when you spend £7,000 a year
    No foreign transaction fees when spending abroad
    Double Avios for six months on your Lloyds Bank Avios Rewards American Express card
    But be aware that
    There is a £24 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

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

  9. Great for
    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
    There is an annual fee of £24
    Your APR is subject to status and may vary
    Different earn rates of rewards/cashback apply dependent on card used

    Representative Example:

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

  10. Great for
    Upgrade up to a Business Class when you spend £5,000 a year
    Companion ticket after you spend £12,000 a year, eligible at air partners
    No foreign transaction fees when spending abroad
    But be aware that
    There is a £140 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% (variable) with a £140 annual Fee your representative APR will be 52.1% (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 to suit all circumstances – but before choosing a card you will need to consider your own spending habits.

For instance, if you want to pay down an existing balance on another credit card then your best bet could be the Lloyds Bank Platinum MasterCard which offers 24 months at 0% on balance transfers, subject to a 1.5% transfer fee. Once this introductory period is up then the card’s representative APR jumps to 17.9% (variable).

Read more

However, if you are looking for a card that offers a decent interest-free deal on purchases, the Lloyds Bank Platinum Purchase Card has a 13-month interest-free period on new purchases. This also comes with 13 months interest free on balance transfers, subject to a 1% transfer fee and, again, the representative APR is 17.9% (variable) once this offer expires.

If you are a frequent traveller, then Lloyds Bank offers two credit cards that accumulate Avios points (formerly AirMiles) that can be used to get money off flights, hotels, cruises, holidays and day trips.

In addition to Avios points, the Lloyds Bank Avios Rewards Credit Card Account and the Lloyds Bank Premier Avios Rewards Credit Card Account also come with 13 months at 0% on balance transfers, though there is a 3% transfer fee.

However, once the 13 months are up, the Lloyds Bank Avios Rewards Credit Card Account has a representative APR of 22.7% (variable) and the Lloyds Bank Premier Avios Rewards Credit Card Account has a representative APR of 50.8%, thanks largely its £140 annual fee – the main advantage of the Premier card is that it accumulates more points per £1 spent.

Is a Lloyds Bank credit card right for me?

As with most providers, the best rates on credit cards are only available to those with excellent credit ratings, and so before you apply you should run your details through MoneySupermarket’s Smart Search tool. This way you will get an idea of your chances of acceptance before you apply and so lessen the chance of a rejected application showing on your credit report.

If you have 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, which, in the case of Lloyds Bank credit cards, are upward of 17.9% (variable).

If you cannot clear the balance then it’s a good idea to transfer it to another card that offers 0% on balance transfers, bearing in mind that you will have to go to another provider as you cannot transfer balances between different Lloyds Bank cards.

If you continue to use the card for purchases once any 0% interest offers have expired then it’s vital that you clear the balance at the end of each month to ensure that you don’t pay interest on your purchases.

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 to 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’ve 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
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.

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, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close