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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)

Halifax Clarity Rewards- Great for holiday money

I took out one of these cards (with my wife as an additional card holder) to go on holiday this year because of the benefits it offers for foreign currency transactions. · It offers a great exchange rate · Drawing cash as foreign currency from ATMs worked out cheaper than buying currency in the UK to take away with us · There’s no annual fee and no fee to use the card outside the UK Unlike many other credit cards, there’s no charge for cash advances. This means that you can go to an ATM and withdraw money without paying any fee (assuming that the ATM is free to use). It also offers a very competitive exchange rate- we found the rate offered was significantly better than the rate we were quoted for currency at all of the bureaus we contacted. You will pay interest from the date you draw money from the machine. However, if you clear the balance as soon as you get back to the UK, this should be quite low. On a recent week long holiday, we spent/ drew down around £800 which we paid back the day we returned to the UK and this cost us £0.14 interest. Having used this for the first time this summer, we found the card simple to use and very efficient and safer than carrying large amounts of money around with us. We’ll use the card to get money when we arrive rather than taking currency with us on future holiday. Reviewed on: 29th August 2015

The most sensible travel money method

I got this card (my first and only credit card, I try to avoid them generally) specifically because it has the best rates for spending money abroad. Best of all, there is no charge for withdrawing cash from ATMs overseas- so I only use it when abroad, and pay it off in full each month. Using this saves me loads of money which would have been spent on fees, commissions etc when using my debit card, or bureaux de change. I've had very little reason to contact customer services, but on the one occasion i did, they were helpful and quick to sort things out. I'd recommend this for anyone who spends even a little time oversea, for business or pleasure. Reviewed on: 10th August 2015

great credit card for overseas spending

correct intrest rate on the day making it great value and saving even more money to sum this upi have had the clarity credit card for over 3 years now.this card is super for overseas transaction as it does not charge a fee for transactions unlike alot of other credit cards this can be substantial if you are making a lot of purchases sy when you are on holidays.apart from this super benifit there is alittle know fact that when you purchase a product or service abroad not only are you charged a transaction fee you are also charged a load fee on the concersation rate back into pounds sterling thios can be very substancive.the halifax clarity credit card charges you at the this is a great all round creit card and i would recommented whole heartitly Reviewed on: 8th April 2015

Overlooked and undervalued as a customer

I went into the branch to speak to them about changing my sons account. I could not ask any questions without the lady getting cross that I stopped her spiel! I just felt like I was a 'job' to be done rather than a valued customer. Am now leaving Halifax and moving elsewhere!! Reviewed on: 10th February 2015

Easy, simple with excellent service!

Always easy to contact and speak to. Advisors are friendly and helpful and the card is perfect for overseas transactions. Reviewed on: 1st February 2015

Great Mortgage

I have my mortgage with Halifax, great rate, great service and I receive clear and easy to understand annual statements from them. I've owned 2 houses and on both occasions I've used Halifax as my mortgage provider. Reviewed on: 10th December 2014

Useful if you travel a lot

I travel quite a bit, so this card is really useful. Also not had any decline problems when I'm abroad, so it gets a lot of use Reviewed on: 16th October 2014

Free to use anywhere!!

No fee to use it anywhere worldwide and no annual fees. I use this credit card when travelling with work and have had absolutely no problems at all. Reviewed on: 3rd October 2014

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