Business Credit Card

Our Business Credit Card could improve your business’s cash flow and provides a useful tool to pay for everyday expenses. You can also issue up to 20 cards to employees (minimum age 18), each with their own spending limit, and will benefit from 45 days’ interest free credit too.

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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*.
  • Benefit from flexible repayment options and detailed monthly statements for each card issued.
  • Use the card in millions of outlets worldwide wherever the Visa sign is displayed.

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

Apply onlinefor a Business Credit Card

Is your business eligible?

To apply for a Business Credit Card, you should:

  • hold a business current account with Lloyds Bank
  • 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.  Find out more about our Business Credit Card rates.

For more information and to make sure you understand the small print, please view our Business Credit Card terms and conditions (PDF).

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

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Business Debit Card

Settle day-to-day expenses quickly and easily with a debit card designed for businesses.

Find out more about our Business Debit Card

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Business Cashpoint® Card

Get quick and direct access to your Business Current Account from every Lloyds Bank, Bank of Scotland and Halifax cash machine.

Find out moreabout the Business Cashpoint Card

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Business Charge Card

Get up to 36 days interest-free credit with a charge card designed to help you manage expenses.

Find out more about our Business Charge Card

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Make payments and manage cashflow conveniently with credit and debit cards designed for small businesses.

Find out more

Apply for a new Business Credit Card


It's easy to apply for our Business Credit Card online. Just fill out our online form, which takes only 5-10 minutes to complete and if we require any further details we will contact you.

Apply onlinefor a Business Credit Card

On the phone

0800 022 4395Call telephone number 0800 022 4395

Call us to speak with one of our business management team. 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 5555Call telephone number 0345 072 5555 from 9am to 5pm Monday to Friday.

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Compare all cards

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.

Compare all Business Banking cards

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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’.

Learn about ClickSafe®

Important legal information

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 020 7626 1500.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.