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Lloyds Bank: Cashback credit card reviews

Name: Cashback credit card
Rating: 4.30 (29 reviews)

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4.30

Based on 29 reviews, last reviewed 13th Oct 2026

63% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

72%

21%

1 star

Latest highest rating:

5

Simply the best Been with them for many years and they are good at what they do, even though occasionally things can go wrong but they always produce good results and... Read more Reviewed on: 13th October 2026

Latest lowest rating:

2

Very poor service, reporting S75 & chargeback issues Attempted to report potential chargeback, section 75 claim first through app disaster, had to phone, passed on from one customer service advisor to an... Read more Reviewed on: 15th June 2026

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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 (29)

Simply the best

Been with them for many years and they are good at what they do, even though occasionally things can go wrong but they always produce good results and sorted issues out professionalland on a timely manner. Reviewed on: 13th October 2026

Good customer service and quickly to resolve the issue

Good customer service and quickly to resolve the issue Reviewed on: 13th October 2026

Cash back cards

I have had the cash back credit and debit card for a while now and it’s a good way to earn cash back on purchases. Reviewed on: 13th October 2026

Credit card

They provide decent incentives and cashback on thier credit card Reviewed on: 18th June 2026

Very poor service, reporting S75 & chargeback issues

Attempted to report potential chargeback, section 75 claim first through app disaster, had to phone, passed on from one customer service advisor to another still awaiting decision 3 weeks later, very poor process on Lloyds side. Reviewed on: 15th June 2026

Incorrectly formatted .qif files

Credit card .qif files are incorrectly formatted and require extensive manual editing prior to import into money management software. Reviewed on: 12th June 2026

I found Lloyds easy to make my application, I am ear...

I found Lloyds easy to make my application, I am earning good cash back which helps my finances, they advise me regularly about how much I will earn and when I balance that against how much I have spent it is more than I would have earned should I have saved that in a savers account Reviewed on: 12th June 2026

Lloyds Ultra Credit

Got the Lloyds Ultra Credit card and the cashback is a good option. Nice to have a credit card that a get a little back and they keep doing it after the first year. Would be nice if the rewards were a little higher and continued for a little longer, so you could really see a benefit in using it all the time Reviewed on: 12th June 2026

Lloyds Ultra Cashback Credit card pays 1% Cashback

Lloyds Ultra Cashback Credit card pays 1% Cashback for first 12mths and low 12.94% APR Reviewed on: 11th June 2026

Excellent card and service..

My Lloyds Ultra Credit Card is giving 1% cashback for the first year and no foreign use fees. I had my wallet and cards stolen in Portugal in January and the replacement card was in my letterbox on returning home 5 days later. lloyds also refunded the spending on my stolen card. Reviewed on: 11th June 2026

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