Halifax credit cards

Halifax offers a range of credit cards designed to suit individual needs. Whether you’re looking to transfer a balance, get an interest-free deal on purchases or you’re after one low rate to spread the cost of a large purchase. And because Halifax credit cards are provided under the MasterCard banner, you can be sure that your card will be accepted in around 24million locations worldwide.

Compare Halifax credit cards - Sorted by APR

  1. Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  2. Great for
    Pre-Approval – Halifax current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    Saving on balance transfer costs – 3% fee applies, but is reduced to 2.45% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  3. Great for
    Offers the lowest fee on a long 0% balance transfer card
    3% fee applies, but is reduced to just 1.5% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  4. Great for
    Pre-Approval – Halifax current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    3% transfer fee applies, but is reduced to an effective of 0.8% fee by a refund
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

    • Provider/Product name Purchase Credit Card

      Halifax

      Purchase Credit Card

    • Balance transfer 0% 6 months 3%fee
    • Purchases 0% 17 months
    • Rewards No rewards
    • Representative APR (variable) 16.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.95% (variable) your representative APR will be 16.9% (variable).

  5. Exclusive

    You won’t get this offer on any other comparison site

    Great for
    No fee to transfer a balance
    No fee to use anywhere worldwide
    But be aware that
    Interest rates range from 12.9% - 21.9%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.95% (variable) your representative APR will be 12.9% (variable).

    • Provider/Product name Student Credit Card

      Halifax

      Student Credit Card

    • Balance transfer 19.95% 3%fee
    • Purchases 19.95%
    • Rewards No rewards
    • Representative APR (variable) 19.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    An adjustable credit limit
    But be aware that
    It is only available to students

    Representative Example:

    If you spend £1,000 at a purchase interest rate of 19.95% (variable) your representative APR will be 19.9% (variable).

Guide to Halifax credit cards

Halifax became part of the Lloyds Banking Group following the merger of Lloyds TSB and HBOS in 2009 and remains one of the UK’s best known banking brands, being a leading provider of mortgage and savings products.

It can also add credit cards to its product portfolio as it offers a range of cards with interest-free periods on purchases and balance transfers as well as long-term, low-rate credit cards and student credit cards.

The Halifax All-In-One credit card offers a long 15-month interest free period on both purchases and balance transfers.

Read more

However, if you have larger balance to transfer that you don’t think you’ll be able to pay off by time the interest free period ends then you may be better opting for Halifax’s Clarity credit card which offers one low rate for the lifetime of the card.

There are no fees and you won’t be charged for using the card abroad or withdrawing cash – you should be aware, however, that any cash withdrawals or foreign transactions could be subject to a higher annual percentage rate (APR).

Interest rates

Interest rates vary across the range of Halifax credit cards, but if you take out a balance transfer credit card, a purchase credit card or an All In One credit card then you can expect your representative APR to be somewhere between 16.5% and 18.95% (variable).

If you take out the low rate Clarity credit card then you’ll be paying somewhere in the region of 12.9% APR (variable).

However, there is a way that you can avoid paying any interest at all, and that is by making sure you clear the full balance at the end of each month. And although this is not always practical, it remains the best way to use a credit card to ensure you don’t get bogged down with interest repayments.

Is a Halifax credit card right for me?

With the range of Halifax credit cards available, there should be a card that fits your needs – though you should always shop around. You should also be aware that there is a good chance that you will only be accepted if you have an excellent credit rating.

So, if you are in any doubt, you should first use MoneySupermarket’s Smart Search tool as this will give you an indication of what cards you are likely to be accepted for without leaving a footprint on your credit file.

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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