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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.28 (263 reviews)

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4.17

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

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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.

Halifax Clarity credit card reviews (263)

Review of the Halifax, Clarity credit card:

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

Fantastic customer service

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

Well done

I have to say Halifax are a great company for all my banking but I particularly like the Clarity credit card. Great card for all my travel needs. Thanks Reviewed on: 2nd March 2022

Best overseas credit card

I use it all the time to pay for meals and other purchases when I'm abroad. The fees are minimal. Reviewed on: 19th February 2022

Easy to use credit card

Easy to use credit card with no extra overseas charges. Reviewed on: 30th January 2022

Card that does not let you down

Useful when travelling abroad as the exchange rate applied appears fair with no hidden extras. Reviewed on: 18th January 2022

Great clarity card

Been using this card abroad for many years, always a comforting backup and easy to use in all shops, bars, and restaurants. Knowing the low/no fees is superb. Reviewed on: 13th January 2022

Great card for using abroad

I have had this card for over 12 years, I take it everywhere with me as it has free transactions abroad. Plus when I have had to make a claim after there was an issue with a cancelled holiday during the pandemic I was refunded by Halifax straight away Reviewed on: 12th January 2022

Great credit card

Love the Halifax Clarity Credit card; it's great for overseas spending as it offers a competitive exchange rate. I also love that I can track my spend straight away on the Halifax app and check pending transactions! Reviewed on: 12th January 2022

Great card for foreign use

Had this card for years as it's perfect for using abroad and at home. Never had any issues with customer service from Halifax. Reviewed on: 12th January 2022

Great for travelling abroad

Great for travelling abroad. Very friendly customer service and good app. Reviewed on: 6th January 2022

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