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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 3.67 (272 reviews)

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3.67

Based on 272 reviews, last reviewed 20th Aug 2026

33% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

65%

17%

11%

Latest highest rating:

5

Easy and hassle free They have switched from MasterCard to Visa and this process has been seamless with excellent communication throughout. Also, they are transitioning to... Read more Reviewed on: 20th August 2026

Latest lowest rating:

1

Terrible customer serviice. Terrible customer serviice. Nearly 4 hours to resolve making a transaction. You are directed to their virtual agent in app BUT its useless - i wasted ... Read more Reviewed on: 15th June 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 (272)

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

great value credit card for overseas use

Not a huge fan of the big banks but this card incurs no fees when used abroad Reviewed on: 31st August 2016

Everyday credit card

Useful to use to purchase everyday items with added bonus of being a very good card for using abroad when required Reviewed on: 30th August 2016

Just a warning

I used a Clarity card for my trips abroad twice a year and was very impressed with the exchange rates with no conversion charges. However, I decided to close this account (and cheque account) and instead opted for a card that would give me some Cashback. AFter an unsatisfactory experience (since resolved) I decided to go back to Halifax Clarity and was astounded that I was declined. This is despite paying off any balance in full every time by direct debit and can only assume that the "computer" that dealt with my online application didn't like the fact that I had also applied and been accepted for a rival card! Reviewed on: 12th August 2016

Brilliant Credit Card For Spending Abroad

I've used the Halifax Clarity Credit Card twice now whilst abroad. It has a great exchange rate - better than exchanging into cash. I would highly recommend. Reviewed on: 29th June 2016

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