Everyday spending credit cards

Find a credit card to help you manage your everyday purchases, all in one place.

 

What is an everyday spending credit card?

This type of credit card could help you to manage your everyday spending needs.

  • Usually come with a low-interest rate for card purchases.
  • Could help you manage essential purchases and regular bills.
  • Section 75 protection on most purchases of over £100 and up to £30,000.

Everyday spending credit card features may vary. Make sure you understand all limitations, terms and conditions before you apply.

Check if you can apply

Simply answer a few questions to get a decision. It takes a few minutes to complete.

  • See the credit cards you can apply for.
  • See your estimated credit limit up front.
  • It won’t affect your credit score.

Check now

Credit is available subject to status.

Our standard credit card features

Handy for spending

  • Add up to 3 additional cardholders, helping you keep track of household spending in one place.
  • Use the card freeze option in our app to control when and where your card can be used.
  • In the app you can also view your card details or get a PIN reminder when you need one.

Other standard features

  • Manage most things online: check your balance, review transactions, view paper-free statements, make payments, request transfers and more.
  • Fraud protection: you won’t be charged for transactions you didn’t authorise. But you must let us know if you notice unusual account activity, or if you lose your card.
  • Ways to pay: make repayments by bank transfer, debit card or direct debit. Pay more than the minimum at any time to reduce your borrowing costs.
  • Contactless cards: pay quickly and securely anywhere you see the contactless symbol.
  • Mobile payments: add your credit card to a mobile device to make secure payments online, and on the go.
  • UK call centres: we’re just a phone call away – here for emergencies. 

Can I apply for a credit card?

Application basics

To qualify, you need to:

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

You should 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:

  • Does a credit card suit my needs, or should I consider other borrowing options?
  • Will I be able to make repayments, even if my circumstances change?

In addition to 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 a promotional rate is withdrawn, or simply expires, the standard account interest rates, fees and charges will apply.
 

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

Make sure you've read

  • Draft credit card account terms and conditions (PDF, 382KB)

    We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.

  • Responsible lending

    Lloyds is a responsible lender. We only want you to borrow what you can afford, in a way that’s best for you. The outcome of your credit card application depends on our assessment of your circumstances.

    You can talk to a member of our team about the choices you've made. They’ll also be able to talk to you about your options if you’re experiencing financial difficulties.

    A note on fraud

    You won't have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. But, you and additional cardholders must take all reasonable measures to protect your account.

    You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. But, if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.

Frequently asked questions

Boost your credit card knowledge

Understanding credit

How to apply for a credit card

Knowing what you can afford

Credit card fees and charges

Borrowing options

Managing your credit card

Swap your existing credit card

Applying for a second credit card

Tips for managing your credit card

Credit card payment options

Credit cards

What do you need a credit card for? Our range includes balance transfer, large purchase, everyday spending and reward credit cards. A monthly fee may apply to some reward credit cards.

Explore credit cards

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Credit cards

What do you need a credit card for? Our range includes balance transfer, large purchase, everyday spending and reward credit cards. A monthly fee may apply to some reward credit cards.

Explore credit cards