What is verified
The market, currency (GBP), regulator and complaint route below were checked against the cited official sources.
Credit cards in the UK
Compare credit cards in the UK
We compare Lloyds Advance with the American Express Cashback Everyday Credit Card using official UK product information and representative examples. Values are shown in pounds sterling (GBP); your rate, limit and approval depend on assessment.
Data is manually reviewed each month. Current issuer documents prevail.
| Feature | Lloyds BankLloyds Advance Credit Card | American Express Services Europe LimitedAmex Cashback Everyday Credit Card |
|---|---|---|
| Product type | Credit card | Credit card |
| Currency | GBP | GBP |
| Credit limit | Minimum £500; actual limit subject to assessmentSource: Lloyds Bank: Advance Credit Card | Assumed credit limit £1,200 for representative example; personal limit depends on assessmentSource: American Express UK: Credit cards |
| Purchase rate / representative APR | 29.94% p.a. variable purchase rate; 29.9% representative APRSource: Lloyds Bank: Advance Credit Card | 29.1% p.a. variable purchase rate; 29.1% representative APRSource: American Express UK: Credit cards |
| Interest-free period | Not stated as a fixed number on the product page; interest depends on repayment and transaction typeSource: Lloyds Bank: Advance Credit Card | Up to 56 days on purchases when paid in full and on time; no interest-free period for cash advancesSource: American Express UK: Credit cards |
| Minimum payment | According to statement and card agreementSource: Lloyds Bank: Advance Credit Card | According to statement and card agreementSource: American Express UK: Credit cards |
| Monthly fee | Not statedSource: Lloyds Bank: Advance Credit Card | Not statedSource: American Express UK: Credit cards |
| Annual fee | £0Source: Lloyds Bank: Advance Credit Card | £0Source: American Express UK: Credit cards |
| Cash withdrawal fee | Not stated on the product pageSource: Lloyds Bank: Advance Credit Card | Not stated on the product pageSource: American Express UK: Credit cards |
| Balance transfer fee | Not stated on the product pageSource: Lloyds Bank: Advance Credit Card | Not stated on the product pageSource: American Express UK: Credit cards |
| Rewards / cashback | £20 reward offer subject to termsSource: Lloyds Bank: Advance Credit Card | Cashback; rate and introductory terms vary by offerSource: American Express UK: Credit cards |
| Insurance and benefits | Not statedSource: Lloyds Bank: Advance Credit Card | Travel and shopping protectionSource: American Express UK: Credit cards |
| Basic conditions | 18+, subject to status and UK requirements. | 18+, permanent UK address and UK current account; subject to status. |
| Availability | UK; Lloyds Bank. | UK; American Express. |
Our recommendation
American Express Cashback Everyday may suit people who repay in full and value cashback with no annual fee. Lloyds Advance may suit applicants seeking a credit-builder product and no foreign-exchange fee on purchases. Compare acceptance, the offered rate and repayment capacity before applying.
Our methodology
- We use official UK issuer product pages, representative examples and card terms.
- Representative APR is not a guaranteed personal rate; we do not estimate limits or fees not stated by the issuer.
- The issuer summary box, agreement and FCA-regulated requirements prevail; data is reviewed monthly.
More information
Frequently asked questions
Which cards are compared?
Lloyds Advance Credit Card and the American Express Cashback Everyday Credit Card.
What currency is used?
The UK issuer examples and fees are quoted in pounds sterling (GBP).
What should I check before applying?
Check representative APR, the personal rate offered, annual fee, minimum repayment, cash and balance-transfer fees, rewards, acceptance and eligibility.
Official sources
Lloyds Bank — Lloyds Advance Credit Card
Reviewed: 2026-07-23
- Lloyds Bank: Advance Credit Card — official rate, limit, eligibility and foreign-use information
American Express Services Europe Limited — Amex Cashback Everyday Credit Card
Reviewed: 2026-07-23
- American Express UK: Credit cards — official representative examples, eligibility and benefits
- American Express UK: Credit card interest — official interest-free-period explanation
Verified comparison guidance
How to assess loan options in United Kingdom
Start with the total amount repayable, all mandatory fees, the repayment schedule and the effect on your essential spending. Check the contracting firm with Financial Conduct Authority; a register entry does not prove that a product is available or suitable.
What remains offer-specific
Rates, fees, amounts, terms, eligibility and approval speed remain unknown until a provider gives you a current, personalised disclosure.
Decision checklist
- Confirm the legal provider and product source.
- Compare total repayment, not only the instalment.
- Stress-test the payment against essential costs.
- Save the disclosure, agreement and complaint records.
If something goes wrong
Complain to the provider first and keep its final response. Then check the current eligibility and deadline rules published by Financial Ombudsman Service.
What should I verify before using a credit-card-comparison page in United Kingdom?
Verify the provider, total repayment, mandatory fees, schedule, affordability, contract and complaint route. Do not treat an example, ranking or register entry as a personalised offer.
Editorial review: Reviewed by Rostislav Sikora on 2026-07-17. Credizen is a comparison service, not a lender or financial adviser.
Important information
This is an editorial comparison, not a credit offer or financial advice.
Rates, fees, limits and approval depend on the issuer and individual assessment.
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