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Halifax: Clarity Credit Card reviews

Name: Clarity Credit Card
Rating: 4.27 (259 reviews)

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4.11

Based on 259 reviews, last reviewed 8th Mar 2025

50% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

66%

17%

10%

Latest highest rating:

4

Perfect for Travelling The Halifax Clarity credit card offers zero commission purchases in foreign currencies making it great for travelling. Reviewed on: 2nd March 2025

Latest lowest rating:

1

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 bl... Read more Reviewed on: 8th March 2025

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About this product

If you're wondering whether the Halifax Clarity Credit Card is right for you, read our reviews from customers who already have the popular card. Our community reviews can help you to find out about the pros and cons of the Clarity card, which will help you make an informed decision about whether or not you should choose Halifax.

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Halifax Clarity Credit Card reviews (259)

Review of the Halifax, Clarity Credit Card:

Falls from grace

This was a great credit card for spending money abroad - affordable and simple to use. However they have recently changed the rules so that paying the money back early - for example to reduce the interest charged on cash withdrawals - does not reduce the direct debit charge for the next month. After several instances where my credit card was significantly in the positive I have been left with no choice but to cancel the direct debit and so am now avoiding using it where possible Reviewed on: 25th January 2020

Clarity in name and nature

I got one of these this year to use abroad and it was brilliant. The exchange rate it fair, I got a £20 cashback for using it by a certain date and that was added promptly. Brill. Reviewed on: 19th November 2017

Very good credit card

Good interest rate and excellent customer service. Reviewed on: 16th November 2017

Fabulous for Holidays

I like to use the Clarity Credit Card for foreign expenditure. This card has no fees on spending abroad as long as you pay your statement in full by the date shown. The rate you'll get is set by Mastercard – it tends to be higher than Visa's and Amex's rate. Reviewed on: 15th November 2017

Clarity Card for Abroad

This card is great for travelling - We got it initially for travelling to America but have used it all over Europe/Ireland or any time we travel. The genius behind it is that it doesn't cost a penny to use the card abroad - you can spend without charges and lift money out of an ATM anywhere. The only downside is the high APR so what we do is save the money up before we travel and then pay it off as soon as we get back. Reviewed on: 13th November 2017

Excellent card for shopping abroad

I like halifax, they are pretty good at in store service, and they have pretty good telephone service too. But, it is their products and online usage which makes them a cut above other banks. I used this card in the states and in Switzerland, no problems, no fees, just used and charged the exchange rate of the day! Reviewed on: 11th November 2017

Great for spending abroad

No charges for spending abroad. No rewards though Reviewed on: 11th November 2017

Good for travel

I use this card all the time but particularly good when travelling overseas and paying on card, as there are no fees for this. Just a shame there are charges on withdrawals. Reviewed on: 8th November 2017

The travel man go to!

Never had a problem. I took this card out when my current account was with Halifax. The main reason was for the free cash withdrawals abroad. This will have saved me hundreds over the years. I moved my current account away from Halifax but I still receive all of the same benefits with the card. Reviewed on: 8th November 2017

Holiday peace of mind

This card is so handy for travelling, always peace of mind that you'll get a good deal on currency exchange and withdrawing money which makes a big difference and means there isn't a worry about having repeated transactions Reviewed on: 8th November 2017

Best foreign transaction credit card

Use this on regular basis and provides great service, be it through atm transactions or card payments. Reviewed on: 8th November 2017

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