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Lloyds Ultra Credit Card

The credit card for everyday and 'one day'.

Check if you can apply and get an estimated credit limit. This won't affect your credit score.

Check your eligibility

Credit is available subject to status.

Features and benefits

We didn’t just call it Ultra because it sounds cool.

Earn cashback

1% cashback on all card purchases you make in the first year from account opening. After that, earn 0.25% cashback.

No foreign exchange fees

At home or abroad, we won’t charge you a fee when you make purchases in a foreign currency.

Representative 12.9% APR variable

Enjoy a low rate of interest on purchases.

No monthly account fee

Enjoy all of these account benefits with no monthly fee. Other fees and charges could apply.

No cash withdrawal fees

Take cash out with no fee from us. Just remember that interest charges will apply.

Find it in the app

Set up the Lloyds app for quick, secure access to your card details and PIN.

  • Handy at home and abroad

    • Add up to 3 additional cardholders, helping you keep track of household spending in 1 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 it.

    Other features you might like

    • Contactless cards. Pay quickly and securely anywhere you see the contactless symbol.
    • Digital wallet. Add your credit card to a mobile device to make secure payments online, and on the go.
    • Manage most things online. Check your balance, review transactions, view paper-free statements, make payments, request transfers and more.
    • Repaying your balance. Make payments by bank transfer, debit card or direct debit. Pay more than the minimum at any time to reduce your borrowing costs.
    • Section 75 protection. Single item credit card purchases could be covered under Section 75 of The Consumer Credit Act 1974 if something goes wrong. 
    • 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.
    • UK call centres. We’re just a phone call away – here for emergencies.

     

Representative example

Based on an example borrowing of £1,200:

Purchase Rate (variable):
12.94% a year

Representative (variable):
12.9% APR

Credit limits and interest rates may vary, subject to an assessment of your personal circumstances.

Your standard interest rates will be linked to the Bank of England base rate. This means they will change automatically in line with changes to the base rate, but any promotional rates and offers you have won't.

As our standard interest rates are variable it means we can also change them for other reasons in the future if we need to.

Let's break it down

Earning cashback

  • Cashback is shown on your monthly statements and paid to your account every January.
  • You’ll only earn cashback on card purchases made by you or an additional card holder.
  • Cashback won’t be treated as a payment.
  • To continue to earn cashback, you must make at least your minimum payment on time each month.

Interest, fees and charges

  • Only paying the minimum will cost more in interest and take longer to clear your balance.
  • Interest is charged from the day cash is withdrawn and until you pay it back. Some cash machine providers may charge a fee.
  • Interest will be charged on purchases unless you repay your balance in full each month.
  • Other credit card fees and charges could apply.
  • If you pay late or miss a payment, you have to pay fees, and it could damage your credit score.

Before you go ahead

Who it’s for

You can apply for this card if you:

  • are a UK resident aged 18 or over
  • have a regular income
  • don't have a history of bad credit, such as bankruptcy, Individual Voluntary Arrangement (IVA) or County Court Judgments (CCJs)
  • haven't been declined for a Lloyds credit card in the last 30 days.

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?

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.

Your everyday and ‘one day’ starts here 

Check your eligibility. You’ll get an estimated credit limit and it won't affect your credit score.

 

Check in the Lloyds app

If you’re already registered for online banking, we’ve got your info which makes it quicker.

Scan the QR code to get it.

Once you’re in, check your eligibility by selecting Apply then Credit cards.

Check online

Enter your info online.

We’ll need a few details like your name, address history and employment status.

Check your eligibility

Check in the Lloyds app

If you’re already registered for online banking, we’ve got your info which makes it quicker.

Once you’re in, check your eligibility by selecting Apply then Credit cards.

Get the app

Check online

Enter your info online.

We’ll need a few details like your name, address history and employment status.

Check your eligibility

Let’s look at the details

  • Draft credit card account terms and conditions (PDF, 417.8KB)

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

  • Our responsibilities to you

    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 any 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.

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Help and guidance

Whether you’re new to credit cards or you’re an existing customer we are here to help. 


Help and guidance

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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