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Our guide to choosing a credit card could help you to understand what type of card might suit you best based on your short and longer-term borrowing needs.
Get cashback or choose a card that also has additional travel benefits.
Before you apply, you'll need to check your eligibility with One Check. One Check will show the cards you can apply for and what credit limit and interest rate you could get. Once you've checked your eligibility and found the card you want to apply for, follow the instructions and fill out the rest of the application form.
Credit is available subject to status.
You can apply for a credit card if:
Before you apply, you’ll need to check your eligibility. This will show you the cards you can apply for and what credit limit we could offer you. You’ll just need to fill in some basic information like your bank details, annual income, spending commitments, and a couple of other things. It’ll only take about five minutes.
Once you’ve checked your eligibility and found the card you want to apply for, simply follow the instructions and fill out the rest of the form.
Rather than see a full list of all our credit cards, we’ll only show you the cards you’re eligible to apply for. This should make it easier to see if you’ll be accepted and what interest rate and credit limit you’re likely to get before you apply. That way, you can make a more informed choice and choose a card that’s right for you. It can also help protect your credit score by not allowing you to apply for cards you may well get declined for.
When you check your eligibility, we only perform a ‘soft search’ which won’t affect your credit score. This means it can’t be seen by other lenders and won’t affect applying for other products. However, if you go ahead and apply then we will do a full credit check. This will be noted on your credit file and may impact your credit score.
The credit limit and interest rate we offer you will depend on a number of things. These can include your past borrowing history, how well you manage your accounts, your income, spending commitments, and more.
By using One Check, our eligibility checker, you can see the interest rate and credit limit we could offer you before you apply. It only takes about five minutes and because it does a ‘soft’ search, it won’t impact your credit score.
Your credit card and PIN will arrive separately. This is for security. Your PIN will usually arrive in 3-5 working days. Your new credit card will usually arrive in 5-7 working days.
Before you take out a credit card, it’s important to make sure it’s the right option for your needs. Depending on what you want to borrow for and for how long, a credit card might not always be the best choice. A personal loan or an overdraft may end up being a better option for you.
If you have a credit card with another lender, then you may also be able to apply for a Lloyds Bank credit card. However, just because you already have a card, that doesn’t mean you will automatically be approved. We take lots of things into account when making a decision. You can check your eligibility before you apply to see the cards you’re likely to be accepted for.
If you already have a Lloyds Bank credit card, then you might be able to take a second. Learn more about applying for a second credit card.
If you’re having money worries, visit our Money Worries help page to find out how we can help.