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Intro balance transfer offer Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open. † After the first 60 days your account is open, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5. †

50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when redeemed through Chase Ultimate Rewards ® .

60,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $750 toward travel rewards when you redeem through Chase Ultimate Rewards ® .

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

These days, there is no need to pay extortionate rates of interest on lingering credit card balances – as there are so many great 0% balance transfer cards up for grabs. Find out more about how they work and what’s available.

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. 

There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. 

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free . If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical. 

There are various different types of credit card and the best deal depends to a large extent on the purpose of the card. For example, if you want to go on a shopping spree, there’s little point in applying for a 0% balance transfer rate.

NerdWallet makes it simple to find the best deals on credit cards, insurance, mortgage rates and more. We’ll help you save time, reduce your monthly payments and rest easy knowing you’ve made the best financial decisions for you.

Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian®, Equifax® and TransUnion® - once every 12 months. Every consumer should check their credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. Each reporting agency collects and records information in different ways and may not have the same information about your credit history.

When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.

Your free annual credit report does not include your credit score. A credit score is an additional service that can be purchased when getting your credit report. Along with knowing your credit score you will learn what factors positively or negatively impact your credit risk.

The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.

Your personal credit report contains details about your financial behavior and identification information. Experian® collects and organizes data about your credit history from your creditor's and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history. Learn more .

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc.
Other product and company names mentioned herein are the property of their respective owners.

Because is a part of Experian, know that your free FICO ® Score will be delivered securely utilizing, Secure Socket Layer (SSL) encryption. This technology helps ensure that your information is protected.

A credit report is a summary of your financial history. Creditors and lenders check your credit report to decide whether or not to extend you credit — and at what rates. Your credit report is an important tool to manage well because creditors and lenders use the information in it, such as your payment history and the number of active credit accounts (known as “tradelines”), to evaluate your creditworthiness.

This section of your credit report includes personal information, such as your full name, address, Social Security number and date of birth, and it may also include your employment information. This personal information helps creditors and lenders ensure that all of the credit accounts listed in your credit report actually belong to you, and not to another person with the same name. Your identifying information, however, is not used to calculate your credit score or determine your creditworthiness.

Your credit report lists the credit accounts or tradelines that you have established with lenders. Each credit account will include information on what type of account it is (credit card, mortgage or auto loan, for example), the date you opened the account, your credit limit or loan amount, the account balance and your payment history.

This section of your credit report includes information about the companies that have pulled a copy of your credit report, known as an “inquiry”. There are two types of inquiries that you may find listed in your credit report: “soft” inquiries and “hard” inquiries. A soft inquiry is made when a credit card company offers you a preapproved credit card, one that you did not apply for. A hard inquiry is triggered when a creditor with whom you have specifically applied for credit pulls a copy of your credit report.

In general, inquiries remain on your credit report for two years, but soft inquiries do not connote positive or negative information. In other words, they don’t factor into your credit score one way or another. Hard inquiries, where you’ve asked a creditor or lender to evaluate you as a prospective borrower, do factor into your credit score, which is why you should be thoughtful about applying for new credit.

Public record information, such as judgments, tax liens, short sales, foreclosures, and bankruptcies, are also listed in your credit report. Past-due accounts that have been turned over to a collection agency, including accounts with doctors, hospitals and cable companies, could also be included in your credit report. In some communities, unpaid library fines and parking tickets may be turned over to collection agencies and show up on your credit report.

Pull a copy of your credit report to familiarize yourself with the personal and financial information it contains. You are entitled to one free credit report from each of the three national credit reporting bureaus once a year. You can get your free credit reports online through .

The credit bureaus get their information from credit card companies, banks, retailers, mortgage companies and other lenders that have granted you credit, and then each of the bureaus compiles the information into your consumer credit report. Information from public records and collection agencies is also reported to the credit reporting bureaus and then listed in your credit report.

The payment card number differs from the Bank Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code, and SWIFT code ). It also differs from Universal Payment Identification Code , another identifier for a bank account in the United States.

The leading six digits of the card number is the " issuer identification number (IIN)", sometimes referred to as the "bank identification number (BIN)". The remaining numbers on the card are referred to as the primary account number or PAN . IINs and PANS have a certain level of internal structure and share a common numbering scheme set by ISO/IEC 7812. Payment card numbers can be up to 19 digits, as follows:

The first six digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's length is its number of digits. Many card issuers print the entire IIN and account number on their card.

In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.

The ISO Register of Issuer Identification Numbers database is managed by the American Bankers Association . ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers.

Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

On November 8, 2004, MasterCard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International's web site makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card. [15]

On November 3, 2014, MasterCard announced that they were introducing a new series of BIN ranges that begin with a “2” (222100–272099). The “2” series BINs will be processed the same as the “51–55” series BINs are today. They will become active 14 October 2016.

American Express Credit Cards offer you opportunities to earn a variety of rewards. From leading cashback rates, Avios , Starpoints , to loyalty Membership Rewards ® points that you can redeem for flights, holidays, hotel stays, and gift vouchers.

The rewards don't stop there. Many of our Credit Cards offer you Refund Protection, Purchase Protection, online fraud protection, inclusive insurance benefits, and 24/7 customer support.

You can also enjoy access to our exclusive Preferred Seating programme, bringing you tickets to some of the hottest shows in town, exclusively for our Cardmembers. Whether your passion is music, film, or theatre, we can get you closer to the action.

See which card suits you best by browsing the list of Cards in the menu to the left. You can also use the 'Compare these Cards' button near the top of this page to review all our Credit Cards at the same time.

Our dedicated Customer Care Professionals are available 24/7 via phone, text, email or mail. We pride ourselves on customer service and always try to ensure that the first person to answer your call will deal with your needs. Our Global Assist ® team is available 24/7 to provide you with help and support when you travel outside the UK.

American Express uses secure system and early detection programmes to minimise potential fraudulent activity on your Card. Our Fraud Protection Guarantee means that as long as you are careful with your Card you wont be responsible if you fall victim to fraud. 

To add security to your purchases, you can register for SafeKey when you shop online, as well as free text and email alerts on your Card activity. There's also the option to add additional protection such as American Express My Essentials and Identity Defence.

When holidaying abroad remember that American Express Card is accepted globally. Any purchase you make with your Card overseas is converted to pounds sterling as soon as the transaction is processed. International payments are converted to US dollars before being converted into pounds sterling. If your transaction is in US dollars, the amount will be converted directly to pounds sterling. If it's in another currency, it's converted to US dollars and then to pounds sterling.

When it comes to managing your account we offer you easy access to the important information you need. By registering online, you can view and manage your account from any internet enabled device whenever and wherever you choose. You can check your balance balance, set notifications and reminders, pay your bills and manage your rewards and loyalty points.

When you have found which Credit Card you wish to get, you can apply online. Make sure you read the detailed information and then use the 'Apply now' button to start the Application Process. You will also be able to further persoanlise your American Express Credit Card by choosing optional additional benefits and decide how you'd like your name to be displayed on it.

2. Cashback will be payable to you by us at , 1% on spend up to £10,000; 1.25% on spend over £10,001. Cashback will be paid by crediting your Account during each Card anniversary month on the expenditure that has taken place during the preceding twelve months. Your Card anniversary month is the one month period each year following the date on which your account was opened. See Card Terms and Conditions for full details.

We'll make some assumptions Close   We have made a number of assumptions in this calculation. You must: remain eligible for the promotional offer keep up with the above monthly repayments stay within your credit limit make at least your minimum monthly repayment on time. about your card usage to make a calculation

We'll make some assumptions Close   We have made a number of assumptions in this calculation. You must: remain eligible for the promotional offer keep up with the above monthly repayments stay within your credit limit make at least your minimum monthly repayment on time. about your card usage to make a calculation

Keep in mind you may receive a different APR (either 26.9% or 31.1% variable) based on your individual circumstances. The APR calculation considers the interest rate you pay and all other fees including the annual fee of £24.

Earn Choice points every time you use either of these two cards and redeem them for vouchers , gift cards , cashback , magazine subscriptions , Avios , and more .
Exclusive Club Lloyds offer : If you’re a Club Lloyds current account customer, we’ll refund £12 of the £24 Choice Rewards Credit Card Account annual fee ( offer conditions apply ). A monthly fee may be payable for a Club Lloyds current account; see our Club Lloyds page for details.

Keep in mind you may receive a different APR (either 26.9% or 31.1% variable) based on your individual circumstances. The APR calculation considers the interest rate you pay and all other fees including the annual fee of £24.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065 Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. We also subscribe to the lending code. Details can be obtained from Visit the Lending Standards Board website

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

American Express® is a registered trademark of American Express company. Lloyds Bank American Express® Credit Cards are issued and administered by Lloyds Bank pursuant to a licence from American Express®.





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