Halifax credit card highlights
- Its Clarity card is among the best for overseas spending
- Competitive 0% deals on balance transfers and purchases
- APR on its FlexiCard is one of the lowest on the market
Halifax credit card: customer rating
Halifax, the third-largest credit card provider in the UK, achieved an average customer score of 69% in our credit card satisfaction survey.
The lender has a lot to offer across its range of cards, which include very competitive 0% deals on balance transfers and purchases. Its 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.
Visit the Which? Money Compare credit card comparison tables to find out how Halifax's cards compare.
Halifax's ratings broken down
| Halifax credit card satisfaction |
Star rating |
|---|---|
| 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 | |
| Dealing with complaints | |
| Rewards and cash back | |
| Ability to manage online | |
| Ability to manage by mobile app | |
| Ability to manage by telephone banking | |
| Charges for using your credit card abroad | |
How we calculate Halifax's 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 6,741 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 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.
