Write a review

Halifax: Clarity Credit Card reviews

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

View other Halifax products

4.11

Based on 260 reviews, last reviewed 2nd Apr 2025

50% decrease in 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

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 (260)

Review of the Halifax, Clarity Credit Card:

Credit card for overseas spending

I use this card for holiday spending in Europe. There is no transaction fee and you always get the best exchange rate. I also received a special offer of almost a year's interest free credit on purchases. Reviewed on: 11th April 2018

Great travel card.

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

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 block on the card if you try to use it abroad, pretending that ‘fraudulent activity has been detected’ In that you’ve attempted to buy something. It worked fine for a day and a half. Then the next three transactions were stopped. I managed to buy a coffee this morning but it wouldn’t let me buy my lunch! You try the (un)help(ful) 24/7 messaging service and they don’t answer. They did the next day to tell me to ring a UK number. I’m in the US, for God’s sake, and they want me to phone, at vast expense, then hang on listening to rubbish music until they can deign to answer me… and we all know that they’ll be ‘experiencing higher call volumes than normal’ don’t we? All that to tell them my date of birth, postcode and the last three transactions on the account!! And then they might consider letting me use the thing for a day or so before blocking it again. They’re hopeless. Get a Nationwide or Coop card instead, there’s never been any problem with them. There are, I presume, other cards that have a zero fee foreign transaction thingie as well. DON’T GET A HALIFAX CLARITY CARD! Reviewed on: 8th March 2025

Perfect for Travelling

The Halifax Clarity credit card offers zero commission purchases in foreign currencies making it great for travelling. Reviewed on: 2nd March 2025

This credit card works well for overseas travel.

This credit card works well for overseas travel. It is easy and hassle free. Charges are kept to a minimum on cash withdrawals only making it easy to budget. Reviewed on: 26th February 2025

Credit card is excellent as you don’t get charged fe...

Credit card is excellent as you don’t get charged fees for using it abroad. Easy to use app and never have any issues using the card, would recommend! The customer service chat on the app is also great if you ever do have any issues Reviewed on: 5th December 2024

Handy while on holiday paying for more expensive items.

Handy while on holiday paying for more expensive items. Reviewed on: 9th October 2024

Card blocked whilst abroad.

Card blocked whilst abroad. After 3 days not resolved. Debacle. Many times unsuccessful calls and no way to use ebanking app to help. Reviewed on: 20th September 2024

Avoid Halifax!!

I have been a loyal customer of Halifax for many years, but my recent experience has left me deeply disappointed and frustrated. If you are unfortunate enough to encounter contactless fraud, do not expect them to help you, even if you have strong, objective evidence that it wasn't you. Their lack of proper investigation, poor customer service, and refusal to acknowledge the possibility of fraud is embarrassing for a bank. I urge anyone considering Halifax to think twice and avoid them at all costs. They sent my new credit card to my old address, sent letters to outdated email addresses which they shouldn't even store due to GDPR, and repeatedly addressed me by the wrong name. Reviewed on: 2nd August 2024

Using Halifax Clarity credit card aboard.

Using Halifax Clarity credit card aboard. No issues at all and easy to withdraw funds with no interest charges attached. Customer service is very good and efficient too, when I had to call them about a transaction. Reviewed on: 2nd June 2024

A useful card when travelling

It's really useful to have it as an option when travelling abroad. Reviewed on: 24th May 2024

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

Credit Card
from ASDA Money 2.29 from 94 reviews
Bip Credit Card
from NewDay 4.90 from 2284 reviews
PayPal Credit
from PayPal 4.92 from 30760 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