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:

Product easy to use, excellent customer service.

Have always found the card easy to use and financially beneficial. Plus, after once falling victim of a cyber crime, had instant help from the customer relations team. Bravo, and thank you. Reviewed on: 14th June 2021

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

CONVIENT WHEN TRAVELLING

We always take our clarity Mastercard on Holiday, it is convenient, safe and gives the best exchange rates abroad Reviewed on: 6th April 2023

Ok

No charge when used abroad . Exchange is very fair. Reviewed on: 3rd April 2023

Excellent FX rates for foreign travel

Got this mainly to spend in other currencies when traveling for work or for leisure. Get the best FX rates and am very pleased with the service. Reviewed on: 30th March 2023

Vulnerability

Had a Clarity Card (and other Halifax CCs before) for many years placing vast amounts through it each year. Visited New York to watch US Open in September 2022 and, despite a dozen transactions being approved in first few days, my card failed whilst in Flushing Meadows. No text, email or call was received to check what they termed "a security breach". Upshot no access to any funds during day (in a mainly cashless society), cold, wet, tired, hungry, battery depleted on mobile from constantly trying to contact Halifax and couldn't get an Uber on getting back to Manhattan on my Metro card as it was linked to Halifax CC. 40 minute walk back to apartment in freezing cold rain, couldn't even buy a coffee or groceries for dinner as planned. Got through to Halifax at 9pm (2am UK time) when my Daughter got home from work. Not given any explanation as to why card was blocked and no communication received from H about the situation. I had bought my US Open ticket via Halifax and was offered a refund. However nothing can erase the trauma of that day...alone at US Open with no means of accessing the only credit card I have had since I was 18...I'm now 65. I have never felt so vulnerable in my life, apart from when I was stuck up a mountain on a narrow ski ledge with room for only one ski in blizzard conditions some twenty years ago... This time I was on terra firma but it still raised a huge fear inside me as a single older woman with no access to food, drink or US Open goodies I wanted to purchase. On what turned out to be a very cold torrentially wet day. I was dressed inappropriately for the weather, having been at a balmy night match the evening before but had I had funds I could've and would have purchased some warmer clothes from the store. Referred matter to Ombudsman who found in favour of Halifax. So I will never get to know what the suspicious activity was and that is a worry in itself. I advised Halifax that as soon as I found an alternative to their card I would take my paid up monthly £2k+ elsewhere. Hello Chase! Reviewed on: 19th March 2023

Easy

No problems. App is user friendly. Reviewed on: 12th March 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

Cashback Plus Credit Card
from NatWest 4.39 from 62 reviews
Credit card
from first direct 4.10 from 26 reviews
Credit card
from ASDA Money 2.59 from 104 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