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Lloyds Bank: Cashback credit card reviews

Name: Cashback credit card
Rating: 4.67 (15 reviews)

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4.67

Based on 15 reviews, last reviewed 6th Apr 2026

1000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

67%

33%

3 star

2 star

1 star

Latest highest rating:

4

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 ... Read more Reviewed on: 6th 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 (15)

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

Lloyds ultra credit card with unlimited 1% cash back...

Lloyds ultra credit card with unlimited 1% cash back for 12 months. Very quick to apply and set up. Received all cash back as promised so far. Excellent credit card. Reviewed on: 24th January 2026

Credit Cards for Retirees

Lloyds bank ultra credit card was easy to apply for and has all the features I require currently. Reviewed on: 23rd January 2026

Yes - Lloyds are The Winners by a Cashback.

Great product via a Visa Credit Card accepted by all traders. Especially good cashback @ 1% for the first year as well. Good monthly updates in relation to spending - and Lloyds are clearly an excellent bank in all respects judging by this cashback credit card Reviewed on: 23rd January 2026

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