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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.13 (268 reviews)

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4.13

Based on 268 reviews, last reviewed 2nd May 2026

50% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

66%

18%

10%

Latest highest rating:

5

Brilliant . Great communication throughout a pleasure to deal with. Always helpful Reviewed on: 24th March 2026

Latest lowest rating:

1

They switch from Mastercard to visa and it’s caused... They switch from Mastercard to visa and it’s caused a lot of disruption to or regular payments Reviewed on: 2nd May 2026

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About this product

Halifax Clarity credit card offers travel related benefits.

If you want to apply for a Halifax Clarity credit card, you can use the online tool to see your interest rate and estimated credit limit. Your credit score is protected by finding out if you’re likely to be approved before you apply.

Halifax Clarity credit card reviews help you find out what it’s really like to be a customer. If you’ve used Halifax before, you can also leave a review and share your experience.

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Halifax Clarity credit card reviews (268)

They switch from Mastercard to visa and it’s caused...

They switch from Mastercard to visa and it’s caused a lot of disruption to or regular payments Reviewed on: 2nd May 2026

Unable to get human help

When a renewed card failed to arrive in the post I did as instructed and called the number given in their email to me. This was hopeless. The voice response system wouldn't recognise anything I said. Neither would it work when keying numbers into my telephone. It insisted that I was entering invalid codes - which I was not as I could see the keys I had pressed displayed on my phone screen. The online chat was no better. I was unable to talk with an actual human being until my sixth attempt. It turned out that their systems required numbers from the new, replacement card - the one I was trying to tell them I had not received. The logic of this defeated me - and them apparently Reviewed on: 16th April 2026

Brilliant .

Great communication throughout a pleasure to deal with. Always helpful Reviewed on: 24th March 2026

My Halifax

Have found Halifax to be very good for sorting any banking problems out l would recommend all there products but not happy we lost our branch now have to travel 16 miles to a branch Reviewed on: 24th March 2026

An excellent traveller's credit card - just needs a...

An excellent traveller's credit card - just needs a cherry on top Reviewed on: 28th February 2026

Its a brilliant card for spending overseas.

Its a brilliant card for spending overseas, no extra charges. You can see the cost immediately via the App. Easy to make payments to from my regular bank. Overall very happy with the Card and Halifax. Reviewed on: 23rd January 2026

Clarity Card

I like the Halifax clarity card as it gives you the best exchange rate but is still a big time operator Reviewed on: 22nd January 2026

the credit card is easy to use

the credit card is easy to use, but more rewards would be better Reviewed on: 20th April 2025

Great travel card.

Great travel card. Low fees and currency conversion charges. Have used when abroad many times. Reviewed on: 2nd April 2025

Don’t bother use someone else’s credit card abroad

We got a Clarity credit card to use abroad as there are no transaction fees on foreign purchases. You know why? Because the fraud department puts a block on the card if you try to use it abroad, pretending that ‘fraudulent activity has been detected’ In that you’ve attempted to buy something. It worked fine for a day and a half. Then the next three transactions were stopped. I managed to buy a coffee this morning but it wouldn’t let me buy my lunch! You try the (un)help(ful) 24/7 messaging service and they don’t answer. They did the next day to tell me to ring a UK number. I’m in the US, for God’s sake, and they want me to phone, at vast expense, then hang on listening to rubbish music until they can deign to answer me… and we all know that they’ll be ‘experiencing higher call volumes than normal’ don’t we? All that to tell them my date of birth, postcode and the last three transactions on the account!! And then they might consider letting me use the thing for a day or so before blocking it again. They’re hopeless. Get a Nationwide or Coop card instead, there’s never been any problem with them. There are, I presume, other cards that have a zero fee foreign transaction thingie as well. DON’T GET A HALIFAX CLARITY CARD! Reviewed on: 8th March 2025

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