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Halifax: Clarity Credit Card reviews

Name: Clarity Credit Card
Rating: 4.27 (261 reviews)

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4.12

Based on 261 reviews, last reviewed 20th 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

the credit card is easy to use the credit card is easy to use, but more rewards would be better Reviewed on: 20th 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 (261)

Review of the Halifax, Clarity Credit Card:

Top Card

This card is one of the best on the market, You get £5 a month cashback if you spend £300 or over, and also can take this card abroad, and it has no fee on purchases if you use it in any country Reviewed on: 18th December 2016

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

Try 1 hour waiting time

Your account would be robbed of all moneys if you were trying to report a transaction by phone the waiting time is shocking, and when I finally got through to lodge a complaint it wasn't worth waiting for the service provider to log details, I have been with this provider for years but I will be changing companies as soon as I can. (Halifax Mastercard wake up and smell the coffee) Reviewed on: 2nd September 2022

NEW SECURITY PROCEDURES A NIGHTMARE!

Hi, I've been booking a holiday this week and had nothing but trouble with my Halifax Clarity Card being declined. I've been booking flights, car hire, travel insurance etc. I had to ring Halifax customer services twice because payments weren't going through online. I was told they were having technical issues. Their security authorisation is ill-conceived and slow. If your card is declined for a large purchase, they send a text 5 minutes afterward asking if it was you making the purchase. After responding 'yes', it takes another 5 mins to receive a text saying try again in another 10 mins! Nightmare, cannot recommend this card at all. Reviewed on: 26th August 2022

Best for foreign currency transfers and withdrawaling cash abroad

Great card for paying in a different currency and withdrawing cash abroad all with no charge! Reviewed on: 13th August 2022

Poor customer service

Advertise the product as a travel card. Been on holiday spending on the usual meals etc for 3 days then go to use it to hire a car (not unusual on holiday) and card is blocked. No notification or communication from Halifax. Ring up to investigate to be put through to fraud. Been waiting over an hour to get through. Why advertise as a travel card when they block it after a small number of transactions. Goodness knows how much the phone call has cost. Avoid if you want to enjoy your holiday Reviewed on: 20th July 2022

Always use clarity credit card abroad

The only card I take abroad for the lack of transaction fee and good value for non-sterling transactions Reviewed on: 18th July 2022

Mortgage, Personal and Business Accounts

I have decided to move my Mortgage, Personal and Business Accounts from Halifax after 27 years as I will not do business with a company that promotes an ideology that pretends to be inclusive, but is designed to coerce its staff and customers. The promotion of displaying pronouns was illiberal enough, but the Halifax Twitter feed insulting customers and telling them to quit the bank demonstrates that Halifax's judgement cannot be trusted. Reviewed on: 29th June 2022

Fantastic customer service

Halifax provided fantastic customer services after I was a victim of online fraud Reviewed on: 11th March 2022

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