Lloyds Bank Cashback credit card

dr_adidas01

Just a heads up as I got an email about a new cashback credit card from Lloyds Bank for those that are Interested. 

Here’s what it offers: 

northwalesd

That is what my Lloyds Avios card morphed into.

[Deleted User]

Has anyone managed to change from a Halifax card to a Lloyds one? I have a really old Halifax cashback card (like 22 years open sort of old) but as I spend over £4000 over the course of a year this would be quite nice to have instead, I asked the AI bot thing in the Halifax app but it didn't understand my question...

dr_adidas01

Deleted_User said:

Has anyone managed to change from a Halifax card to a Lloyds one? I have a really old Halifax cashback card (like 22 years open sort of old) but as I spend over £4000 over the course of a year this would be quite nice to have instead, I asked the AI bot thing in the Halifax app but it didn't understand my question...

I asked Lloyds if I could do it with an old halifax credit card and was told they don't do this as they are two separate brands even though they are owned by Lloyds Banking group.  I was told I would have to apply separately for the rewards credit card which I have done.

Alpha_5

Am I right in thinking this is now the best non-Amex real cashback card in terms of uncapped, biggest % cashback?

myth123

I think I will get this as my non-amex alternative, I've had one since Nationwide took off the cashback for existing holders last year.

WillPS

Alpha_5 said:

Am I right in thinking this is now the best non-Amex real cashback card in terms of uncapped, biggest % cashback?

Yes in terms of a 'no fuss' option.

If you hold the Natwest or RBS Reward current account then their Reward Credit Card might be a better option still - 1% at supermarkets, 0.25% everywhere else.

[Deleted User]

dr_adidas01 said:

Deleted_User said:

Has anyone managed to change from a Halifax card to a Lloyds one? I have a really old Halifax cashback card (like 22 years open sort of old) but as I spend over £4000 over the course of a year this would be quite nice to have instead, I asked the AI bot thing in the Halifax app but it didn't understand my question...

I asked Lloyds if I could do it with an old halifax credit card and was told they don't do this as they are two separate brands even though they are owned by Lloyds Banking group.  I was told I would have to apply separately for the rewards credit card which I have done.

Thanks, I will apply separately then, might finally be time to retire the old Halifax one except for the couple of CPAs I have on it for subscriptions to keep it active.

Edit, applications initially approved, £4k limit, if it gets final approval, will start the fun task of changing all my saved cards

jbrassy

FYI - the card charges 2.95% on non-sterling transactions, therefore it's not suitable for using abroad. Barclaycard Rewards still leads on that aspect. Nevertheless, this new Lloyds card is probably the best non-Amex cashback card now available on the market.

zagfat

Barclays reward credit card offers the same 0.25%, but with no fees abroad.

JakeSteveson71

jbrassy said:

FYI - the card charges 2.95% on non-sterling transactions, therefore it's not suitable for using abroad. Barclaycard Rewards still leads on that aspect. Nevertheless, this new Lloyds card is probably the best non-Amex cashback card now available on the market.

Wouldn't the Santander all-in-one credit card be one of the best non-amex  cash back cards because it gives 0.5 percent cash back with no cap on how much cash back you can get, also paid monthly, has a 0% interest rate for the first 20 months, and doesn't charge for non-Sterling transactions?