Halifax credit card review
What do Halifax credit cards offer?
Halifax is one of the largest credit card providers in the UK and offers balance transfer, cashback, 0% purchase, travel and low-rate deals.
Two Halifax credit card deals impressed our experts to become Which? Best Buys.
The Halifax Clarity card, which can cut the cost of spending abroad, is a top pick for travel credit cards. It charges no fees for foreign transactions or cash withdrawals, although interest will apply if you don't clear the balance each month. The card has a representative APR of 23.9% (variable) and uses the Mastercard exchange rate.
There's also the Halifax Low Rate credit card which offers a low 10.9% representative APR. Low-rate cards offer a cheap rate of borrowing for as long as you have the card, which might be suitable if you struggle to keep up with time-limited offers.
- Find out more: best credit card deals
How does Halifax compare with other providers?
Halifax achieved a provider customer score of 72% in our latest credit card satisfaction survey, placing it joint seventh out of 31 providers, alongside Barclaycard and Nationwide.
- Find out more: visit the best credit card providers guide to read the full survey results and check how Halifax's score compares to rivals
Is Halifax a good credit card provider?
Our survey also reveals how Halifax customers rated it across the following five categories:
| Customer satisfaction category | Halifax star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges | |
| Ability to manage account online or via mobile app |
Table notes: Star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Halifax to find out more about our research.
Your Halifax credit card questions answered
Grace, our credit card expert, answers the top questions people have about Halifax credit cards.
Does Halifax offer an eligibility check?
Yes. You can use the Halifax eligibility tool to see how likely you are to be accepted for a Halifax credit card. It does a 'soft search' of your credit file, which won't affect your credit score.
Where are Halifax credit cards accepted?
Halifax uses the Mastercard network for its credit cards, so you will be able to use them to pay in millions of places in the UK and abroad.
Can I have more than one Halifax credit card?
You can have a maximum of two credit cards with Halifax.
How we review Halifax
Here's some more information about our research and the terms we use in this review.
Which? Best Buys
To become a Which? Best Buy, a credit card has to meet a range of category-specific benchmarks set by our analysts. For example, we look at the size of the balance transfer fee as well as the 0% period on balance transfer credit cards.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and doesn't constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.