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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 rates of Exchange without fees

I have to say that I have had a Halifax Clarity Card now for about 3 years and it has been really true to its word - CLARITY - no hidden fees in exchange rates for travellers like me and it gives me a much better rate of exchange on purchases abroad than any other card I have had. It is actually better than cash ! Reviewed on: 28th March 2016

Perfect card

I needed to increase my limit on my card and this was done with just one simple phone call. Quick and easy a few simple questions and I know have a card I can use with great rates aboard and even pays me a fiver to spend over £300 a month on. Can't be bad getting free money. Reviewed on: 28th March 2016

Great for Travelling

We always take our Halifax Clarity Card when travelling, as it offers the best rates for withdrawing cash while abroad, so saves the hassle of carrying and converting large sums of money. Reviewed on: 18th February 2016

Guaranteed best exchange rates and no fees

Never had any trouble abroad using this card and offers best rates. Reviewed on: 14th February 2016

Fantastic

I use this card regularly for foreign transactions, both in the UK & abroad with no issue whatsoever. It's fantastic not having to worry about foreign transaction fees and using it in exactly the same way as I would in the UK Reviewed on: 5th February 2016

Market-leader rates for holiday spending

The Halifax clarity credit card comes out top of the best-buy polls year after year as a card you can use abroad on your holidays. The exchange rates are good and being a Mastercard, it's universally accepted everywhere that accepts credit cards! I wouldn't go on holiday without mine! Reviewed on: 30th December 2015

Great credit card for overseas spending

The Halifax Clarity credit card is one of the best cards for overseas spending, and even cash withdrawal. Since owning this card, I've stopped exchanging money when going abroad, I use the card instead to withdraw currency abroad. I also use it to pay in currency overseas. Cannot comment on the interest rates, as my card is paid off in full each month. Reviewed on: 24th December 2015

Great Credit Card

The clarity credit card is a great option for those who travel abroad or purchase items on websites using foreign currency as the card has no additional fees for purchases! The fees for withdrawing foreign cash are reasonable too, although beware of fees charged by foreign ATMs! On top of that spend over £300 a month and you get £5 cashback! Reviewed on: 24th December 2015

A great option for foreign transactions, and get paid £5 a month

I have had this card for a few years now, and it is my go to plastic for foreign transactions online and while on holiday. I find it very useful to save money when buying items from amazon.de when the price is cheaper than amazon.co.uk. I also use it when we are in a foreign country. It saves me from having to "load up" a pre paid card in advance or having to carry lots of notes. Reviewed on: 24th December 2015

Great card, good reward

This card is really good, it does not charge to use abroad worldwide, you also get £5 cashback if you spend £300 a month on it Reviewed on: 20th November 2015

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