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Lloyds Bank: Cashback credit card reviews

Name: Cashback credit card
Rating: 4.72 (18 reviews)

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4.72

Based on 18 reviews, last reviewed 17th Apr 2026

14% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

72%

28%

3 star

2 star

1 star

Latest highest rating:

5

1% cashback on all spending excellent transfer rates... 1% cashback on all spending excellent transfer rates for foreign currencies good easy to use app Reviewed on: 17th April 2026

Latest lowest rating:

N/A

This product has not received a review of either 1 or 2 stars.

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About this product

Lloyds Bank have a rewards credit card, called the Ultra which offers cashback on spending at home and abroad.

There’s no cap on how much cashback you can earn each month. You can’t access the cashback until each January, when it’ll be paid as credit to your credit card account.

Lloyds Bank Ultra credit card reviews help you find out what it’s really like to be a customer. If you’ve used Lloyds Bank before, you can also leave a review and share your experience.

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Lloyds Bank Cashback credit card reviews (18)

1% cashback on all spending excellent transfer rates...

1% cashback on all spending excellent transfer rates for foreign currencies good easy to use app Reviewed on: 17th April 2026

had a few fraud claims

had a few fraud claims and their fraud team sorted them out and got my money refunded Reviewed on: 16th April 2026

Great benefits Ultra Credit card Lloyd's

The process from applying to getting the card was fast and easy. The cashback of 1% on credit card spending is excellent benefit on top of the everyday offers you can get from different companies. I already recommend this Bank account to my friends and family. Reviewed on: 16th April 2026

Great card. Average customer service

Great introductory cash back rate with no exceptions and can be used in the UK and overseas. Everyday rewards are an additional bonus and no fees for using overseas all add up to the ideal card. However customer service is well meaning but not very efficient in terms of opening hours, ease of getting in touch with the person you need and their ability to get back to you. Reviewed on: 6th April 2026

This used to be an Avios collection credit card, and...

This used to be an Avios collection credit card, and it issued two cards - an American Express and a Visa. It's now just the one card - a Mastercard - and collects no Avios. I genuinely don't understand how one product can make so many changes and still be the same product! Reviewed on: 6th April 2026

I use Lloyds as my main bank account with other supp...

I use Lloyds as my main bank account with other supplementary options. I don’t have any complaints, they are reliable and sturdy. I can see they are trying to create more interesting options for spending and saving. Reviewed on: 4th April 2026

Great experience of the card , more chance to enjoy...

Great experience of the card , more chance to enjoy daily saving Reviewed on: 25th March 2026

Loyds cashback credit card

There was an switching offer from lloyds bank and I read about their cashback credit card. The process from applying to getting the card was fast and easy. Very pleased with the cashback that I get evey month. Thank you Lloyd's. Reviewed on: 25th March 2026

Super helpful staff.

Super helpful staff.online banking simple Reviewed on: 24th March 2026

Nice to have a card that gives cashback

Nice to have a card that gives cashback, there don't seem to be many on offer. If you have to make large purchases and can pay your balance back totally in one go then it is nice to get just a little bit back. Reviewed on: 26th January 2026

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