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Enquire about a Business card

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Business Credit Card

Apply for up to £25,000 to help manage business expenses and cash flow.

  • You’ll pay no annual fee for the first 12 months*.
  • Up to 56 days of interest-free credit on purchases**.
  • Apply for a credit limit of up to £25,000.
  • Earn 1% cashback on fuel and charging and 0.5% on other purchases. Minimum spend threshold applies***.
  • Pay between the minimum and full balance each month.

Business Charge Card

Apply for a limit from £1,000 to help free up your working capital.

  • You’ll pay no annual fee for the first 12 months*.
  • Up to 42 days of interest-free credit on purchases**.
  • Apply for a credit limit of up to £25,000. Borrow a minimum of £1,000.
  • Earn 1% cashback on fuel and charging and 0.5% on other purchases. Minimum spend threshold applies***.
  • Pay your balance in full every month by direct debit.

Corporate Card

Apply for limits up to and over £25,000 with a range of different card types to meet your business needs.

  • Annual fee of £40 per card*. No annual card fees apply on our Virtual Card solutions.
  • Up to 59 days interest-free credit on Sterling purchases**.
  • Apply for a credit limit up to and over £25,000.
  • Pay your balance in full every month by direct debit.

Benefits of Business Cards

Credit and Charge cards

Earn 1% cashback on fuel and charging and 0.5% on other purchases. Minimum spend threshold applies*** Take advantage of merchant rebates with Business Savings by Mastercard®, and benefit from Travel Insurance† and Buyers Protection Insurance†.

Cost-effective working capital

Up to 59 days of interest-free spending on corporate cards, 56 days on credit cards, and 42 days on charge cards helping to manage your cash flow.

Corporate Cards

Corporate cards offer a range of payment options for travel, entertainment and business supplies to help you streamline payment processes and drive efficiencies in your organisation.  This includes virtual card options.

  • Credit and Charge cards:

    *No annual fee for each card added in the first 12 months of business card account opening. After the first year, we’ll charge an annual fee of £32 per cardholder, unless you spend £6,000 or more across all cards each year.

    **Up to 56 days of interest-free on credit card purchases and up to 42 days of interest-free on charge card purchases, but there may be other charges and fees for non-sterling purchases. Fees and interest apply to cash withdrawals.

    ***Cashback is calculated on all qualifying transactions across your total Business Credit or Charge Card account for each monthly billing cycle, subject to achieving a minimum spend threshold of at least £2,000 in that billing cycle. This minimum spend threshold of £2,000 applies per Business Credit or Charge Card account you hold with us. Cashback doesn’t apply to cash withdrawals, balance transfers, money transfers, cryptocurrency or gambling transactions.

    †To provide you with Buyers Protection Insurance and Travel Insurance, Lloyds Bank works with Aspire Insurance Advisers, who administer the policy on behalf of Certain Underwriters at Lloyd’s of London.

    View Business Credit Card Rates and Charges

    View Business Charge Card Rates and Charges

    Corporate cards:

    *An annual fee of £40 per card* (annual card fees apply to Corporate Charge, Purchasing and MultiPay Cards.  No annual card fees apply on our Virtual Card solutions).

    **Up to 59 days interest free credit on Sterling purchases.

    View Corporate Card Rates and Charges

Is your business eligible?

You can apply if you are:

  • An existing Business Current Account holder.
  • A sole trader, partner or company director with authority to borrow on behalf of your business.
  • Aged 18 or older.

 

Keep in mind

  • For Credit Cards; You will need to pay the minimum amount every month. If you only pay the minimum amount each month, interest can build up as it will take you longer to clear your statement balance.
  • For Corporate and Charge Cards; Your balance must be paid in full by Direct Debit from your Lloyds Bank Business Current Account each month.
  • You should only spend what you can afford to pay back.
  • A guarantee may be required for Limited Companies and Limited Liability Partnerships.
  • If lending is agreed, we will carry out a credit check on you and your business. All lending is subject to status and credit application.

  • Successful applicants will get an Annual Purchase Rate of 14.9% and a variable representative of 15.95% APR based on borrowing £1,200.

    Each card added in the first 12 months of Business Card account opening won’t be charged the first £32 annual fee. After the first year, we’ll charge an annual fee of £32 per cardholder, unless you spend £6,000 or more across all cards each year.

How to enquire

The enquiry form will only take 5 minutes to complete.

We will then contact you to discuss your enquiry and obtain further details. These may include copies of previous statements and/or business plans. We will usually contact you within 5 working days of submission of your enquiry.
 

Get started

Applicant Details

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Your Business Card request

Please complete the following details.

 

Bank Details

Please note that the sort code and account numbers you entered must be for a Lloyds Bank Business Current Account, otherwise the application will not be successful.

 

Your Card account

A Business Card account has a business limit on it. This is an overall limit your business can use across all issued cards.

It is important you choose a business limit which accurately reflects your business needs.

 

(Minimum of £1,000 and Maximum of £25,000)
£

Please note, the minimum limit you can assign to any single credit card is £500. 

 

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Already an existing Business Credit Card customer?

If you have an existing Business Credit Card with us and you want to:

  • add, remove, or change the details of your cardholders or their cardholder limits
  • add, remove, or change the details of your Business Representatives
  • apply to increase the overall Business Limit on your Business Credit Card.

You can do so by completing a Business Credit Card amendment request

  • We may share your personal information from your application with fraud prevention and credit reference agencies.

    For full information about how we use client personal data, including how information held by the fraud prevention or credit reference agencies may be used, please view our privacy notice.

    If you are providing information on behalf of a joint applicant, by continuing with this application you confirm that you have their permission to do so.

  • Making an informed choice

    It's important to find the right type of financing for your business. More suitable borrowing options may be available. Alternative short-term borrowing options include Business Credit Cards and Overdrafts. For longer term borrowing, other types of credit may be more suitable for your business.

    View alternative borrowing options

    If you are unsure about the right type of lending for your business, or would like to discuss other finance options, please contact your Relationship Manager.