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Halifax credit card review

Find out how Halifax has been rated in our latest customer satisfaction survey.

In this article
Halifax credit card highlights Halifax credit card: customer rating Halifax's ratings broken down
How we calculate Halifax's ratings Get top money-saving tips from Which?

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.

Credit Cards
Halifax review
Which? Customer Score
=13th out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Compare Halifax against 29 other credit card providers

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

3 out of 5

Application process

3 out of 5

Keeping you up to date with new deals

3 out of 5

Communication of changes to terms and conditions    

3 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

2 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

3 out of 5

Rewards and cash back

3 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

3 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

4 out of 5

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.

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