Write a review

Halifax: Clarity Credit Card reviews

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

View other Halifax products

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

Read all reviews See your review

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.

Already have the Clarity credit card? Please write your own review and share your experiences with Smart Money People, the UK's leading financial services review site.

Together, we can make financial services work better for everyone - but we need your help!

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

Great credit card and great customer service!

I have always had great customer service from Halifax, I really like the Clarity credit card for travel and any other service I've ever had from them has been great. Reviewed on: 2nd June 2020

Halifax covid 19 card "holiday"

My elderly Parents recieved an email asking if they wish to take a payment holiday because of the awful situation and they didn't know whether we between the family would get out and be able to pay their clarity card invoices as they would be on total lockdown. The last 2 months we have managed to get out and pay them in full yet Halifax have still charged interest even though they should not because they agreed to take a payment holiday. They payment holiday is being used by Halifax as an excuse to charge vulnerable people and of course charge interest which has not been accrued. Making money in such a way while making out it is somehow helping you is totally despicable and as such we will be getting legal advice. You should be ashamed Reviewed on: 26th May 2020

Good for spending abroad, bad for paying off early

This is a great credit card for spending while abroad at a really good rate. I was a big fan but then they changed the system for paying off the debt early (it would no longer reduce the direct debit charge, and I kept ending up in credit) and if you wanted to stop paying twice you had to cancel and restart the direct debit each time which is just a massive hassle. This wouldn't be such a problem if it weren't for the fact that ATM withdrawals start charging interest straight away, insentivising you to pay that debt back as soon as possible. Reviewed on: 16th May 2020

A great little credit card (especially abroad)

I love my Halifax Clarity credit card in the UK but it really comes into its own when I'm abroad. I can pay for things and withdraw money without worrying about hidden charges. I'm charged the same as I would be in Blighty! Happy days! Reviewed on: 10th May 2020

Foreign Holiday card

Clarity card is great for using abroad as you get the exchange rate on the day ad no charge for using it. Reviewed on: 30th April 2020

Great Card for abroad

This is a great card to use when travelling abroad, there is no fee when used as a credit card, never go anwhere without it Reviewed on: 28th April 2020

clarity

never ever a problem works every time Reviewed on: 28th April 2020

Great credit card for travelling

The Clarity Credit card has been incredibly useful while going overseas. It converts one currency into GBP so I'm not charged any fees, which has made my life a lot easier while travelling. Reviewed on: 27th April 2020

useful product

this is a unique credit card for going away. very good product. Reviewed on: 27th April 2020

Great for using abroad

Great card for using whilst on holiday - excellent rate and no additional charges. Reviewed on: 27th April 2020

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

123 Credit Card
from Santander 3.88 from 158 reviews
Credit builder card
from thimbl. 4.88 from 18 reviews
Credit Card
from first direct 4.07 from 26 reviews

There's still more to see!

Halifax has a range of products available. Check the ratings of each product to find the right one for you. 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