Business Credit Card

Business Credit CardOur Business Credit Card allows you to manage your business’s cashflow simply, by providing staff members aged over 18 with an easy way to manage daily business expenses, within certain limits. You could benefit from reduced bank charges too.

Features and benefits

  • Get up to 45 days' interest-free credit on sterling purchases if you pay your balances in full and on time on your previous and latest statements.
  • Pay an annual fee of just £32 per card.
  • Withdraw up to £500 per day within the limit*.
  • Use the card in millions of outlets worldwide wherever the Visa sign is displayed.
  • Benefit from flexible repayment options and detailed monthly statements for each card issued.

If your business has a turnover of over £2 million please contact your Relationship Manager before making any application.

*Cash withdrawals: 2.5% handling fee (min £2.50), Non-Sterling transaction fee: 2.95%.

Is your business eligible?

To apply for a Business Credit Card, you should:

  • you should have held a business current account with Lloyds Bank for more than 12 months
  • apply for a limit of £10,000 or less
  • be a sole trader, partner or director with authority to borrow on behalf of your business
  • be aged 18 or over
  • be a UK resident

View details of our interest-free period as well as monthly and annual rates.

For more information and to make sure you understand the small print. View the Business Credit Card Terms and Conditions (PDF), effective from September 2013.

For customers who have received a Notice of Variation dated February 2017, these T&Cs will apply from 24th of April 2017:

Enquire about a new Business Credit Card


Completing our online enquiry form takes about five minutes. Once we receive it, your Relationship Manager will be in touch to discuss the application in more detail and provide terms and conditions.

Enquire online

On the phone

Phone icon0800 022 4395

Call us to talk to one of our Relationship Managers. We are available from 8am to 8pm Monday to Friday and 9am to 1pm on Saturday.

If you are looking to increase the limit on your existing Business Credit Card, please contact us on 0345 072 5555 from 9am to 5pm Monday to Friday.

Compare all cards

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From the flexibility of a Credit Card to the convenience of Charge Cards and Debit Cards, our products provide added visibility and security compared to traditional payment methods.


ClickSafe® is a free service that gives you extra protection when you use your Business Credit, Debit and Charge Cards to shop online. It is also known as ‘Verified by Visa’ and ‘MasterCard® SecureCode’.

Lending appeals

Appeals for borrowing logo

The right type of funding can play a vital role in helping your business reach its potential. If your lending application is declined, we will work with the British Bankers’ Association to pursue any raised appeals.