Lloyds Bank Cashback Credit Card
Best for: A no-fee Mastercard cashback card for Lloyds customers
Pros
- No annual fee
- Simple uncapped cashback
- Convenient for existing Lloyds customers
Cons
- Low rate below £4,000 of annual spend
- Fees abroad
- No 0% offer
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
Lloyds' Cashback credit card pays 0.25% on the first £4,000 a year and 0.5% on spending above that, with no annual fee. It will not beat Amex on rate, but it runs on Mastercard and sits neatly in the Lloyds app, which makes it the simplest cashback option for existing Lloyds current-account holders who want rewards without switching banks.
Lloyds Bank Cashback Credit Card at a glance
| Issuer | Lloyds Bank |
| Card network | Mastercard |
| Annual fee | £0 |
| Rewards rate | 0.25% cashback on the first £4,000 a year, 0.5% above that |
| Welcome bonus | None |
| 0% intro period | None |
| Representative APR | 24.9% (variable) |
| Non-sterling transaction fee | 2.95% |
| Credit needed | Good |
| Airport lounge access | No |
| Best for | A no-fee Mastercard cashback card for Lloyds customers |
Rewards & perks
- Cashback paid annually to your card
- Mastercard acceptance everywhere
- Everyday Offers cashback through the Lloyds app
Pros
- No annual fee
- Simple uncapped cashback
- Convenient for existing Lloyds customers
Cons
- Low rate below £4,000 of annual spend
- Fees abroad
- No 0% offer
Who should apply
- UK residents aged 18+ with a good credit record
- Lloyds current-account customers
- Spenders who want cashback on a Mastercard
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Lloyds Bank site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar UK cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Lloyds BankCashback 5316 6656 8585 1738 VALID THRU 06/30ALEX MORGAN Lloyds Bank Cashback Credit CardA no-fee Mastercard cashback card for Lloyds customers |
None | 0.25% cashback on the first £4,000 a year, 0.5% above that | None | 2.95% | Good | |
American Express Platinum Cashback Everyday CardCashback on everyday spending with no annual fee |
None | 0.5% cashback on the first £10,000 a year, 1% above that | None | 2.99% | Good to excellent | |
Santander UKSantander All in One 5226 4689 3915 2634 VALID THRU 06/29ALEX MORGAN Santander All in One Credit CardCashback, a 0% offer and no foreign fees on one card |
£36/yr | 0.5% cashback on all purchases | 0% on purchases and balance transfers for around 15 months (… | None | Good |
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