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Lloyds Bank: Cashback credit card reviews

Name: Cashback credit card
Rating: 4.24 (26 reviews)

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4.24

Based on 26 reviews, last reviewed 18th Jun 2026

57% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

69%

23%

1 star

Latest highest rating:

4

Credit card They provide decent incentives and cashback on thier credit card Reviewed on: 18th June 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 (26)

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

Easy to use app, reliable bank, nice human touch.

Easy to use app, reliable bank, nice human touch. Reviewed on: 23rd January 2026

Easy to apply for and use.

Easy to apply for and use. No fees overseas. Reviewed on: 23rd January 2026

Overall great experience.

Overall great experience. From applying and receiving my card to using it and managing through the app, everything has been easy and straightforward. Good communication from Lloyds. Reviewed on: 23rd January 2026

Excellent online banking app.

Excellent online banking app. Brilliant cash back on the credit card, use it for most of my day to day spending. Reviewed on: 23rd January 2026

Lots of retailer offers with decent cashback rates

Lots of retailer offers with decent cashback rates Reviewed on: 22nd January 2026

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