Business Credit and Charge Cards

Image of a person holding a bank card to pay for Fuel

Choose the best Business Card for your needs

Business Credit Card

Business Credit Card

Ideal if you're aiming for a way to spread costs over the longer-term with flexible repayment options.

Business Credit Card
Business Credit Card

Business Charge Card

Looking to pay in full each month? Pick a Charge Card and you'll know exactly what to repay.

Business Charge Card

Benefits of a Business Card

 

Unlock cash flow

Pay for your business purchases and get 56 days interest-free on credit cards and 42 days interest-free on charge cards. So you have the cash flow flexibility to take the next step for your business.

 

Protect your purchases and transactions

Your Business Credit Card and Business Charge Card purchases are protected with chargeback. Have an issue? Use our free dispute service if you need it.

 

Get a little extra with Cashback and Rewards

Earn 1% cashback on fuel and charging, plus 0.5% on other purchases. Minimum spend threshold applies**. Get merchant rebates paid into your accounts automatically with Business Savings by Mastercard.

Unlock cash flow

Pay for your business purchases and get 56 days interest-free on credit cards and 42 days interest-free on charge cards. So you have the cash flow flexibility to take the next step for your business.

Protect your purchases and transactions

Your Business Credit Card and Business Charge Card purchases are protected with chargeback. Have an issue? Use our free dispute service if you need it.

Get a little extra with Cashback and Rewards

Earn 1% cashback on fuel and charging, plus 0.5% on other purchases. Minimum spend threshold applies**. Get merchant rebates paid into your accounts automatically with Business Savings by Mastercard.

Work out how much cashback you could earn

You can earn 1% cashback on fuel and electric vehicle charging and 0.5% on other purchases.
Minimum spend threshold of £2,000 applies**

suitcase

Fuel/EV charging
 

£

suitcase

Other purchases
 

£
Fuel Yearly Spend
monthly spend

 


This calculator provides an illustration only.

Any cashback earned is credited to your business card account monthly.

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.**

Results

Monthly total spend: ##total_spend##


Monthly total cashback: ##monthly_cashback_total##  

  • Fuel and EV charging: ##fuel_cashback_percentage_total##
  • Other purchases: ##other_cashback_percentage_total##  


Annual cashback
: ##yearly_cashback_total##

Get more from your Business Card

 

Looking for help with your Business Card?

Get support to manage your Business Credit Card or Business Charge Card - whether you want to order a new card, view or replace your PIN.

Find Business Card help and support

Free business travel insurance

Book your business trip with your Lloyds Bank Business Credit or Business Charge Card and stay covered at no extra cost with Travel Insurance.***

Travel Insurance details

Buyers Protection Insurance for your purchases

Get 90 days added protection when shopping with Buyers Protection Insurance.****

Protect new purchases from theft or accidental damage up to £2,500.

Make a claim
 

Track expenses online

Keeo up with business outgoings by viewing your statements and recent transactions online.

Go to Online for Business

Helping you compare our credit card currency charges with other providers

You can now compare our currency conversion charges for card transactions in euro and other EEA currencies. We display these charges as a percentage mark up over the European Central Bank reference rate (ECB rate). The table below does not take into account any other transaction costs we charge, for example foreign currency cash fees.

£
Indicative transaction value (excl Fees)
Transaction Fee Rate
Transaction Fee
Indicative Statement Value (incl Fees)
ECB to Sterling equivalent Indicative transaction Value
ECB to card variance
ECB Markup sub
ECB Mark up
ECB Pairing Rate
Cash Transaction Ffee

Edit Key/Value Pair Calculator

Edit Key/Value Pair Calculator

 

  

   

Your Credit Card foreign currency transaction fee mark up over the ECB rate.

##euromarkup##%

Exchange rates

The table should be used as a guide only. Rates are updated once a day on business days. We use Mastercard rates and ECB rates which are subject to change.

Transactions in EEA currencies other than euro will be converted to euro first, then pounds sterling.

You can find the latest available Mastercard exchange rate here.

Fees for currency conversion

The comparison above uses the credit card standard non-sterling transaction fee of 2.95%.

Frequently asked questions

 
Corporate Card

Other ways to fund your business

Whether you're an established business or just starting out, finding the right finance product can be difficult.

Compare and choose our products, whatever the business needs.

Discover funding options
 

Lending appeals

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.

More about lending appeals

*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.

Cashpoint® is a registered trademark of Lloyds Bank plc.

Mastercard® is a registered trademark.