Overview

• The Advance card is positioned to help people new to credit build confidence and establish a positive record.
• Features include no foreign transaction fees and a single interest rate to keep costs straightforward.
• Users get a plain‑English knowledge hub, access to Your Credit Score, spending controls including gambling blocks, and a Benefit Calculator.
• The £20 payment is offered when the account is kept up to date during the first six months after opening.
• Lloyds cites survey data showing many 18–34s lack APR understanding, while regional outlets report potentially millions of existing customers could be eligible.