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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.22 (266 reviews)

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4.22

Based on 266 reviews, last reviewed 24th Mar 2026

500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

65%

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

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

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 (266)

Rate went down

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

Was better before

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

Good for travel

I get fantastic exchange rates whilst abroad with only interest on cash withdrawals Reviewed on: 1st December 2016

Fee free

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

Cut rewards

It was amazing, when you got £5 per month if you spent £300...that was easy if you spent on normal household shopping and fuel. But they stopped that earlier this year, so it's now just okay - no exorbitant charges when shopping abroad. Reviewed on: 29th November 2016

Good cashback

The Halifax Clarity has good cashback if you spend £300 or more on it plus no fee using abroad , better than OK but is not amazing Reviewed on: 29th November 2016

Rate going down!

The Halifax clarity is good for spending abroad and for cash reward, although this is decreasing next year so I rate it 'just ok'. Reviewed on: 28th November 2016

Still the best card for European holidays

The Halifax Clarity Credit Card is still one of the best cards to use abroad. We use it for everyday spending in the UK and abroad, and also for cash withdrawals in Europe. It gives a good exchange rate, and we always transfer money across to cover the cash withdrawal, so it doesn't accrue much interest. You must always ALWAYS pay it off in full though. It also pays £5 cashback per month if spending £300 or more in a month. Reviewed on: 21st November 2016

Excellent service

Very good customer service in terms of call centres and postal admin. Reviewed on: 15th November 2016

Not sure

I ordered one of these for a recent holiday to Italy. Very annoyed to find it didn't work in any shops, restaurants etc but accepted every time at an ATM. I then discovered interest is charged immediately for ATM withdrawals but not purchases. I wonder..................... Reviewed on: 30th October 2016

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