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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.12 (268 reviews)

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4.12

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)

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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