Write a review

Go to business site

Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.28 (263 reviews)

View other Halifax products

4.16

Based on 263 reviews, last reviewed 23rd Jan 2026

200% 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

Its a brilliant card for spending overseas. Its a brilliant card for spending overseas, no extra charges. You can see the cost immediately via the App. Easy to make payments to from my regular b... Read more Reviewed on: 23rd January 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

Read all reviews See your review

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.

Halifax Clarity credit card reviews (263)

Review of the Halifax, Clarity credit card:

Awesome for travelling

best rates for spending abroad - good app also! Reviewed on: 6th May 2017

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

Good card poor customer service

Card is great but if you need a replacement it takes a long time Reviewed on: 15th June 2023

Highly recommended!!

The Halifax Clavity Credit Card is a versatile card with a competitive APR and rewards program. It offers a sign-up bonus, low annual fee, and flexible credit limit. The card has reliable customer service and robust security measures. Overall, it's a solid choice for those looking for a rewards-based credit card with good features. Reviewed on: 11th June 2023

Always a great bank to deal with!

Excellent card that gives you fee free spending abroad. Halifax are a great bank to deal with Reviewed on: 1st June 2023

Do you have a different Halifax product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Builder
from Chime 0.00 from 0 reviews
Everyday Credit Card
from Santander 3.93 from 21 reviews
Credit Card
from Metro Bank 4.86 from 879 reviews

Want to see more from Halifax?

Online Tracker Bond
from Halifax 5.00 from 1 reviews
Online Saver
from Halifax 4.61 from 35 reviews
Flexicard
from Halifax 4.57 from 5 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub