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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

The Credit Card to use Abroad

Fantastic credit card for using abroad as no transaction fees and a really good rate of exchange Reviewed on: 11th June 2017

New User

Obtained this card as my friend has one and she explained sell about it and it looked good.! Just used it for the first time in the USA and Central America. No problems using it at all. Account has just arrived and the exchange rate is far better than any Bureau de Change offers in this country. Went in to the local Halifax just before my holiday to advise them which countries I was going to and got excellent service. Reviewed on: 10th June 2017

Great

Easy to keep track of and good rates Reviewed on: 7th June 2017

-7.5% for exchange rate

This card gives you free withdrawals aboard but at a stink exchange rate of 7.5%. If you do use if for a cash withdrawal pay it off straight away so you don't start paying interest. However it is good for paying for purchases etc as you get the interbank rate. Reviewed on: 6th June 2017

Best card for abroad travel

Best card for your holidays abroad. Got one of these and it gives the best exchange rate ever while on holiday abroad. No extra charges for cash withdrawal either. I recommend one of these cards for anyone travelling abroad. Reviewed on: 5th June 2017

Excellent for travel

This is an excellent card to use when you are abroad as, unlike many cards, there are no fees for using your card overseas. Would highly recommend to keep costs down on holiday. Reviewed on: 4th June 2017

Difficult Start but Great Credit Card

This credit card took me a while to receive as they lost my application details twice. Eventually I received the Credit Card and I use it for all my holidays abroad and it's perfect. Reviewed on: 31st May 2017

There when needed!

Applied for this card especially for travelling abroad, due to automatic anti fraud protection the card was blocked multiple times and due to time difference and lack of access to phone on one particular occasion, only access to internet contacted Halifax via twitter to which they replied within minutes and called the hotel I was staying and unblocked the card (very relived), on top of this the card interest rate was fantastic actually happy to pay interest for the great service provided, I believe not many people would say that. Reviewed on: 30th May 2017

Fair interest rates and zero forex fees

Love the Clarity credit card. The interest rate, although higher than you would find for a loan, is much more competitive than other credit cards I have. What I really love though is zero fees on purchases in foreign currencies - this is the standout feature as far as I am concerned. Reviewed on: 30th May 2017

Great for overseas spending.

Has a very good APR this credit card, but it's best used as a way of getting money overseas. No fees for taking money out of an ATM and no fees for using in a shop, and the exchange rate is set by MasterCard, which is a better rate than you're get anywhere. What's not to love, just remember to pay it off. Reviewed on: 30th May 2017

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