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Halifax: Clarity Credit Card reviews

Name: Clarity Credit Card
Rating: 4.27 (260 reviews)

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4.11

Based on 260 reviews, last reviewed 2nd Apr 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

65%

18%

10%

Latest highest rating:

4

Great travel card. Great travel card. Low fees and currency conversion charges. Have used when abroad many times. Reviewed on: 2nd April 2025

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

If you're wondering whether the Halifax Clarity Credit Card is right for you, read our reviews from customers who already have the popular card. Our community reviews can help you to find out about the pros and cons of the Clarity card, which will help you make an informed decision about whether or not you should choose Halifax.

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Halifax Clarity Credit Card reviews (260)

Review of the Halifax, Clarity Credit Card:

Worst credit card service ever

I paid for flights through a company which at the time was operating, alerted Halifax of being a possible fraud, they didn’t help at the time, company went with my voucher money before going into solvency, now Halifax doesn’t help either because I should have advised them within 120 days of the transaction. I didn’t know the company went into solvency on time. Halifax has the worst service then it charges the highest interest on credit cards. I have 6 credit cards and they charge the highest. Reviewed on: 1st March 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

Best Bank for Credit Card

A great credit card and a great Bank. No issues and packed with reward. Its been over 10years and no complaints Reviewed on: 11th March 2023

When a perfect customer is left stung

Banked with Halifax for 22 years. Never had any issues. Due to taking a payment holiday on my personal loan my credit limit was reduced from to basically zero. After enquiring why ad I had never been over the limit or paid late. Always cleared my balance. I was told that it was due to my payment holiday on the loan. As a customer no due diligence or risk analysis was carried out as neither the loan or credit card are affected. But now due to a decrease in my limit my overall use of credit is hitting 90% from 25%. Its ridiculous I don't know how banks justify that. Its not helpful banking its a joke Reviewed on: 9th March 2023

Brilliant for travel

The Clarity Credit Card is insanely useful for international travel. Makes me feel safe & secure spending money abroad and the customer service is second to none. Reviewed on: 28th February 2023

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