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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)

Best Credit Card to take abroad

Great exchange rate ! Never need to worry about changing money before travelling. A complete life changer for us Reviewed on: 20th June 2016

Best credit card for travel

Have been using this credit card for our regular travels abroad because it offers best deal, no load fees, no fees for paying abroad and you get rate which is set daily by Visa. After 4 years this is still number one card for travel. Reviewed on: 20th June 2016

great for taking abroad

this card is great to take with you abroad as it doesn't have any charges, you also get a £5 reward a month if you spend £300 or more a month using it Reviewed on: 20th June 2016

Cancelled card even though I told them I was abroad

I told Halifax I would be in USA on certain dates. Used the card fine until I tried buying theme park tickets on the card and they flagged it as fraudulent, (same state whole holiday) this then blocked me from using the credit card. Phoned them and had to go through all sorts of security (whilst at a water park) I failed security and they would not help me, I needed the card to pay for my transfer back to apartment. Phoned again and passed security. In mean time managed to get a lift back to apartment. Went out for dinner, my treat, credit card declined. What is the use of telling them you're away if they then block it!!!!!! I would not trust this credit card, I followed their policy of letting them know I was away and e dates and where I was going, and they still flagged it and blocked it!!, I have to say the previous day I was at a designer outlet and spent £400 without problem!, credit card less for the rest of my holiday! Reviewed on: 15th June 2016

Low cost card with cashback

Halifax Clarity is a great card for everyday spending. My card has a low rate of 12.9% and Halifax do not charge commission on non-sterling transactions. There is also no cash withdrawal fee. What's more, as a Halifax current account customer, I receive £5 cashback every month that I spend £300 or more on goods and services on my card. Reviewed on: 2nd June 2016

the best credit card to use abroad

this card is super to use abroad as it gives you the best exchange rate on the day you use the card without any exchange fees a truly great card. Reviewed on: 25th May 2016

Brilliant card

Brilliant Card, you get £5 month credit for every £300 you spend on it, plus there is no charge fee for using it abroad Reviewed on: 23rd May 2016

Great for using abroad

I have just used the halifax clarity credit card in the USA. It was great, free to withdraw money from cash points and no fee to buy anything in another currancy. Reviewed on: 28th March 2016

Very Best Card for using at home & abroad

Great little card to take abroad for purchasing items anywhere. No fees at all and a fabulous exchange rate - buy using the currency of the country you are visiting. Had this card for over 5 years now - can't beat it! Reviewed on: 28th March 2016

perfect for overseas spending

I got this card solely for spending on holiday. It has a near perfect exchange rate, it actually cannot be beaten. I made some simple calculations and the difference between spending £500 on this whilst on holiday and swapping with the bank or post office was over £65 Reviewed on: 28th March 2016

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