What do Halifax credit cards offer?
Halifax has much to offer across its range of cards, which include competitive 0% deals on balance transfers and purchases.
The FlexiCard, which offers an APR of 6.4%, is one of the best in the market for low rate cards, while its Clarity card is a top pick for spending abroad.
- You can compare Halifax credit cards, plus hundreds of other deals, on Which? Money Compare.
Halifax credit card: customer rating
Halifax, the third-largest credit card provider in the UK, achieved an average customer score of 75% in our latest credit card satisfaction survey, securing a respectable seventh place.
Is Halifax a good credit card provider?
Our survey also reveals how Halifax customers rated the provider across 10 categories.
Find out in the table below how Halifax scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service and query handling.
| Halifax credit card satisfaction |
Star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Dealing with queries | |
| Dealing with complaints | |
| Ability to manage online | |
| Ability to manage by mobile app | |
| Ability to manage by telephone banking | |
| Charges for using your credit card abroad | |
Which Halifax credit card is best?
You can explore the best Halifax deals using Which? Money Compare.
How we calculate Halifax’s customer score and ratings
We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.
Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
Star ratings for each category are scored independently of the customer score.
These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.
Halifax credit card FAQs
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.
How many Halifax credit cards can I have?
Subject to eligibility, you can have a maximum of two credit cards from Halifax and up to five in total from Lloyds Banking Group, which includes Bank of Scotland and Lloyds Bank.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.
