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Halifax: Clarity credit card reviews

View other Halifax products
4.17
Based on 263 reviews, last reviewed 23rd Jan 2026
200% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
65%
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18%
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5%
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2%
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10%

Latest highest rating:

5

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 b... Read more Reviewed on: 23rd January 2026
Dave Dodd 's avatar
Dave Dodd

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
M M's avatar
M M
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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.

Halifax Clarity credit card reviews (263)

Review of the Halifax, Clarity credit card:

GREAT FOR TRAVEL

5
CHEAPEST TRAVEL MONEY CARD AROUND HIGHLY RECOMMENDED Reviewed on: 31st August 2019
Sylvia Gill's avatar
Sylvia Gill

Top Card

5
This card is one of the best on the market, You get £5 a month cashback if you spend £300 or over, and also can take this card abroad, and it has no fee on purchases if you use it in any country Reviewed on: 18th December 2016
Julie Liz Feathers's avatar
Julie Liz Feathers

Just OK

3
I'd say my Halifax card is "just Ok" because it's best if it's paid of each month, and no more. Reviewed on: 15th December 2016
Michelle Jordon's avatar
Michelle Jordon

Excellent

5
My Halifax Clarity MasterCard is excellent because of the excellent exchange rate when I shop with it abroad :) Reviewed on: 7th December 2016
Jill Dean's avatar
Jill Dean

Can't beat its rates for spending abroad but watch expiry dates!

4
I got the Halifax Clarity Credit Card in order to benefit from its near-perfect rates for using abroad, but I hadn't used it for a long time. I took it to Ireland and had it declined in a shop because it had expired and Halifax had not reminded me or sent me a new one. Don't they want me to use it? Reviewed on: 5th December 2016
Caroline Cordery's avatar
Caroline Cordery

Credit Card is Awesome - Customer Service Not So Much

3
Customer Service in Halifax has me considering going to First Direct. Reviewed on: 2nd December 2016
Ed Curtin's avatar
Ed Curtin

Fee free

4
I got the Halifax Clarity credit card to use abroad some years ago, which is good because it avoids fees taking out cash etc abroad, but I don't go abroad that often and last time I did, I tried to use it and they hadn't sent me a new one after it had expired, or even warned me it was expiring, so I was stuck. Reviewed on: 2nd December 2016
Caroline Cordery's avatar
Caroline Cordery

Rate went down

3
Used to be good but now it's just OK, since they decreased the number of clubcard points per transaction so I am not getting as many points as before. Reviewed on: 1st December 2016
Anna Okodugha's avatar
Anna Okodugha

Was better before

4
The Clarity card was better when they paid you £5 per month to spend...but is still competitive re currency rates Reviewed on: 1st December 2016
Lisa Buckley's avatar
Lisa Buckley

Good for travel

5
I get fantastic exchange rates whilst abroad with only interest on cash withdrawals Reviewed on: 1st December 2016
Stefalfie's avatar
Stefalfie

Fee free

5
The Halifax Clarity card is great for holidays because it doesn't have the usual fees and has the best exchange rates. Reviewed on: 30th November 2016
Katie Simmonds's avatar
Katie Simmonds

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