Credit card companies: Halifax credit card review


Customer score

=12th out of 32 credit card providers


Halifax credit card

Halifax, the third largest credit card provider in the UK, gets around average for customer score in our credit card satisfaction survey. The lender has a lot to offer across its range of cards, though - with a market leading 0% balance transfer deal (40 months) and a top rate (6.4% APR) for its Low Rate Credit Card. It contends less well for rewards and cashback. 

Halifax credit card highlights

  • Top balance transfer card
  • It's 'Clarity' cards make no additional charge for overseas spending
  • 'Low Rate' credit card charges one of the best available rates (6.4% APR)

Visit the Which? Money Compare credit card comparison tables to find out how they compare.

Halifax credit card satisfaction
Customer service 
Application process 
Keeping you up to date with new deals 
Communication of changes to terms and conditions 
Clarity of statement 
Transparency of charges and penalties 
Dealing with queries and complaints 
Rewards and cash back 
Ability to manage online 
Ability to manage by telephone banking 
Charges for using your credit card abroad 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category.
  • Where no stars are given, we received too few responses in our survey to award a score.

How we calculate these ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,191 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

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Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.