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Credit cards

A credit card could be a flexible way to manage your borrowing needs.

See the credit cards you can apply for and your estimated credit limit, in around 5 minutes. Our eligibility check won’t affect your credit score and there’s no obligation to apply.

Eligibility checker

Credit is available subject to status.

What cards do we offer?

Discover the different types of credit cards Lloyds offers.

Lloyds Ultra Credit Card

For everyday and ‘one day’, with a range of benefits in one Ultra convenient package.

Lloyds Ultra Credit Card

World Elite Mastercard

Access travel benefits and earn cashback on most card purchases. A monthly fee applies.

World Elite Mastercard®

Credit builder

Designed to help you improve your credit score for the future.

Credit builder cards

Everyday spending

Typically offering a low interest rate for everyday credit card purchases.

Everyday spending cards

Large purchase

Helpful when you need to spread the repayments of larger purchases and expenses.

Large purchase cards

Balance transfers

Consolidate balances from most credit cards and some store cards. Transfer fees may apply.

Balance transfer cards

Travel credit cards

At home or abroad, a credit card with travel features could come in handy.

Travel credit cards

What are you looking for in a credit card?

Whether you’re searching for your first credit card, or a new card to meet your changing needs, we could help.

  • Convenience – credit cards offer a flexible way to borrow and spread your repayments.
  • Benefits to suit you – whether you want a credit card for purchases, consolidating credit and store card debts, earning rewards or to access travel benefits.
  • Build credit – using and managing a credit card responsibly can help to build your credit score over time. 

Credit is available subject to status.

Learn more about credit cards

How to apply for a Lloyds credit card

1. Check if you can apply

Answer a few simple questions to get started. Our credit card eligibility check takes a few minutes to complete, and it won’t affect your credit score.
 

2. Compare credit cards

Check out the credit cards you can apply for. You don't have to commit right away. But if you find a credit card offer you like, you can proceed with a full application.

3. Complete your application

Answer a few further questions and accept the account terms and conditions. Just be aware, we’ll complete a full credit check at this point, which may affect your credit score.

Moneyfacts Credit Card Provider of the Year 2026

Lloyds has been awarded Credit Card Provider of the Year at the 2026 Moneyfacts awards.

MoneyFacts credit card provider of the year 2026..

Moneyfacts Credit Card Provider of the Year 2026

Lloyds has been awarded Credit Card Provider of the Year at the 2026 Moneyfacts awards.

MoneyFacts credit card provider of the year 2026..

Check if you're eligible

 

 

Already with Lloyds

Scan the QR code to get the app.

You must be registered for online banking to apply in the app.

Once you're in, select 'Apply', then 'Credit cards'.

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score and there's no obligation to apply.

Check your eligibility

Already with Lloyds

You must be registered for online banking to apply in the app.

Once you're in, select 'Apply', then 'Credit cards'.

Get the app

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score and there's no obligation to apply.

Check your eligibility

Let's break it down

Application basics

To qualify, you need to:

  • be a UK resident
  • be aged 18 or over
  • have a regular income.

Good to know

You won’t qualify if you:

  • are unemployed or a student
  • have bankruptcies on your credit file
  • have County Court Judgements (CCJs)
  • have Individual Voluntary Agreements (IVAs)
  • have been declined for a Lloyds credit card within the last 30 days.

Before you go ahead

Ask yourself

As well as fees and charges, you could lose any promotional rates if you don’t meet the terms of your account. For example, if you don’t make at least the minimum payment on time each month. If that happens, the standard account interest rates, fees and charges will apply.

Also, keep in mind that things like carrying high debt balances, missing payments and going over your credit limit could negatively affect your credit score.

Let’s look at the details

Help and guidance

Useful tools

Credit card interest calculator

Try the interest calculator to get an idea of how much interest you might need to pay on your credit card.

Interest calculator

Your Credit Score

Check your TransUnion credit score using online banking or the app. It’s free to check and won’t impact your score.

More about Your Credit Score

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Everyday banking online

Manage your profile, money or cards from your sofa with the app or online banking.

What you can do online

Money worries

If you're struggling with your finances, or worried about the increased cost of living, you're not alone. We can help.

Support with money worries

Borrowing options

When borrowing money, you need to make the right choice for you and your circumstances.

Borrowing options