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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)

Perfect card for travel

I only use my clarity card for travel, as there are no fees and it has a competitive exchange rate, its safer than carrying cash Reviewed on: 20th February 2023

Great credit card

I don’t use credit very often, just a small amount now and again to keep the card active. Easy to use Reviewed on: 16th February 2023

Great card for overseas

This sia great card for overseas spending with no fees. Reviewed on: 9th February 2023

Excellent card!

Excellent card that I always use for its fee free spending abroad, would definitely recommend! Reviewed on: 1st February 2023

Best exchange rate

I've had this card for atleast 10 years,I always pay it off in full so the charges are of no consequence to me but I go abroad often and its the best exchange rate, better than using cash and so convenient as most places accept Mastercard Reviewed on: 1st February 2023

Clarity excellence

This card is excellent. It can be used abroad with no charges. I have lost my card on a few occasions and I can freeze the card online which gives me peace of mind. I also find the new issue of cards to be prompt. Overall great customer service and reliability. Reviewed on: 1st February 2023

card

Excellent for overseas use as it applies no charges. Reviewed on: 28th January 2023

easy good

best for abroad so far best for abroad so far Reviewed on: 11th January 2023

Best 0% card for spending abroad

I use this card for holidays abroad and general spends. It's the best rate for overseas spends. Easy to use and clear app Reviewed on: 10th January 2023

Nightmare!

Just booked flights, villa, car hire and travel insurance and what a nightmare it was using my Halifax Clarity Card! Their security procedures are pants! In one day booking the above, my card was rejected 9 times. I had to ring customer services twice spending 20 minutes on the phone each time. I pay my credit card in full every month, so no problem on the credit front. Incredibly they've recently removed the ability to let them know you are travelling abroad. When you're increasing your security measures, why on earth would you remove this layer of extra security?? I want to let them know which country I'm travelling to so they don't block my purchases. I'm now looking for another credit card, this experience was too stressful and just not worth it. I'll be moving to a credit card with robust security procedures THAT DOESN'T BLOCK MY LEGITIMATE PURCHASES! Reviewed on: 3rd September 2022

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