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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.23 (266 reviews)

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4.23

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)

Good for foreign transactions.

Very good for foreign transactions when abroad. No additional fees. Reviewed on: 13th April 2024

Fuss free currence

I can use the card abroad without currency charges. It always works. Reviewed on: 12th April 2024

ok in every way do use this bank

ok in every way do use this bank Reviewed on: 18th February 2024

I got this card for using abroad mainly as the charg...

I got this card for using abroad mainly as the charges are less Reviewed on: 15th February 2024

Brilliant for using on holiday abroad.

Brilliant for using on holiday abroad. Excellent rate of conversion. Feel protected by carrying a card versus £ cash. Reviewed on: 13th January 2024

Payments declined, terrible customer service

Travelling in Australia. First decline happened in Singapore after the first purchase went trough ok. Second decline was a £500 purchase using Apple Pay. App chatbot totally useless and recommends a phone call. Spent 45 minutes, most of it on hold, and was told the problem was not with the card but was caused by Apple Pay purchase value limits and it would clear after 24 hours. It didn’t. First transaction the following day worked and the second didn’t. Tried using the physical card and PIN, as suggested by a fraud rep during the call but that didn’t work either. Luckily I have a Monzo card so will be using it for the rest of my holiday. If you were thinking of using a Clarity card for your holiday, think again. I shall be cutting mine up when I get home. Reviewed on: 16th October 2023

Excellent for overseas

As long as you pay it off in full each month there’s no charges, interest and most importantly, no foreign transaction fees. The perfect holiday companion, much better than changing and taking loads of cash abroad! Reviewed on: 24th August 2023

Best travel credit card

Great rates and service. Always easy to administer Reviewed on: 24th August 2023

Useless for travel, security procedures in the dark ages

Have previously had a barclaycard travel credit card, mondo and still have a chase debit card for using abroad. Been using clarity credit card for the last 18 months and nothing but issues. Blocked multiple times while abroad. No option to authorise transactions through app, they insist on using text message which is archaic, and more importantly not feasible when using local SIM cards in different countries. Have had to rely on may chase card, cash or colleagues. Getting through to a helpline requires 20-30 mins of waiting. Some reps don't appear to be able to access previous notes about your card. For simple things like setting up Apple Pay, you need to call them! and not dialling from a phone, but through the app. And even when done through the app, if I doesn't register as through an app, and therefore higher authorisation, they can't verify your card for Apple Pay. I've also had a rep send me a replacement card, due to a flag for possible compromise, with the same credit card number - idiotic. Honestly cannot recommend them Reviewed on: 15th August 2023

Easy to use

It's a credit card. Easy to pay with. No issues. Reviewed on: 13th August 2023

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