Annual fee
£0
Rewards rate
N/A
Welcome Bonus
£20
Apply Now →on Lloyds's website
Regular APR:34.9%
- No rewards breakdown available
Welcome Bonus:
You'll get the £20 reward added to your credit card balance within 180 days of qualifying.
Reward Rate:
N/A
APR:
34.9%
The Lloyds Advance Credit Card stands out as the top choice because it offers a straightforward way to build credit without an annual fee. Its focus on responsible usage makes it ideal for those looking to improve their credit score.
Pros:
- No annual fee
- Helps build credit score
Cons:
- High APR
- Limited credit limit
The Lloyds Advance Credit Card is particularly suitable for individuals seeking to establish or improve their credit score without incurring an annual fee. With its straightforward approach to responsible credit usage, it may be a good option for those who prioritize building their credit history over earning rewards.