The Lloyds Choice Rewards credit card is being closed to existing cardholders
Links on Head for Points may support the site by paying a commission. See here for all partner links.
Lloyds Bank announced last week that its existing ‘two pack’ Lloyds Duo Avios and Lloyds Avios Rewards cards are being closed. You can read about that here and here.
Lloyds is also closing the Lloyds Choice Rewards credit card.
This was an interesting hybrid card. It was a half-hearted attempt to create a card along the lines of American Express Membership Rewards. You earn points on your spending which could be transferred to Avios BUT could also be used for High Street shopping vouchers and a range of other rewards.
The earning rate if you transferred to Avios was poor, however, which is why very few Head for Points readers took one out.
It is no surprise that the card is closing because it was another ‘two pack’ product which included an American Express element. What IS a surprise is that Lloyds Choice Rewards cardholders are being moved to the Lloyds Avios Rewards credit card.
This seems odd to me. If Lloyds Choice Rewards cardholders were serious about earning Avios, they would have taken out a Lloyds Avios Rewards card in the first place!
If I were Lloyds I would have moved them to a generic card with no rewards, or at least given them the option. What will happen now is that a lot of people who have no interest in Avios will start earning them, with many of the points presumably doomed to expire unused.
If you have a Choice Rewards card, you have four months from the day you receive your letter from Lloyds to spend your points balance. Any unused points will be foreited in return for a cash payment.
You can find out more on the Lloyds Bank website here.
PS. If you are reading this but are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and deals to improve how you travel. To sign up, visit this page of the site or click any of the ‘Subscribe’ links on this page. Thank you.

Want to earn more points from credit cards? – February 2025 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus
30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express
50,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard
18,000 bonus points and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa
NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback when you spend at least £2,000 per month.

Barclaycard Select Cashback Business Credit Card
Get 1% cashback when you spend at least £2,000 per month* Read our full review
Comments (62)