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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)

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

Great card - been using for years

Able to spend abroad without hassle and fear, no charges and easy to use on the app and in person. Great company to bank with! 5/5 would bank again Reviewed on: 1st June 2023

10 year customer

I've had the clarity credit card for 10 years now as it is the cheapest and easiest way to spend money abroad. I never use anything else when spending in another currency including online purchases Reviewed on: 31st May 2023

Good for overseas spending

Rarely have problems using for overseas transactions, no charges, good exchange rate. Reviewed on: 11th April 2023

Halifax credit card

I had a problem before with Halifax but they sorted out at the end, would like to improve their score. Thank you Reviewed on: 9th April 2023

credit card

this is the one to use abroad. no charges and best exchange rate Reviewed on: 8th April 2023

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