Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

Finds your % chance of getting top airline cards

Lloyds Premier Avios

Will you get it?

52.1 (incl fee)%

Will you get it?

52.1% (incl fee)


Lloyds Premier Avios Amex

£140 annual fee. Companion ticket with £12k+ spend.
Is this card right for you?

On the Lloyds Premier Avios Amex* you earn a big 1.5 Avios per £1 spent on Amex. It comes with a Mastercard too, though only spend on Amex as it gives the most miles.

However, there's a huge £140 annual fee so be sure you'll use the rewards, otherwise you're just wasting cash.

If you reach £12,000 spend in a year, you'll get a worldwide companion ticket (you'll still need to pay taxes), which can be used when redeeming your Avios points. You can use it for Eurostar tickets too. If you don't think you'll spend that much or don't need the extra flight, it's not worth paying the fee.

Plus, if you spend £5,000/year you'll be sent a voucher for two flight upgrades, either for two single flights or one return journey (though, again, you still pay taxes).

Avios can be redeemed on BA and other Oneworld airlines, including American Airlines, Cathay Pacific and Qantas. See the Avios site for where you can go.

The APR on purchases is 18.94% (or 52.1% representative APR including the annual fee).

  • Standard miles: 1.5 for every £1
  • Rep variable APR: 52.1% (incl fee) Official APR example
  • Annual fee: £140
  • Min income: N/A
  • Miles expire 3 years after you collect your last.

Apply now*

Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

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