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
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    0% fee applies on each balance transfer made in the first 90 days
    But be aware that
    3% fee applies on balance transfers made after the first 90 days
    The APR you get is subject to status, so may vary
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 6.45% p.a. (variable) your representative rate will be 6.4% APR (variable).

  2. Exclusive

    You won't get this card on any other comparison site

    Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    No fee to transfer a balance
    No fee to use anywhere worldwide
    But be aware that
    The APR is 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% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    2.46% effective fee applies on each balance transfer made in the first 90 days (3.0% fee applies, but is reduced to 2.46% by a refund)
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The refund applies for balance transfers in the first 90 days from account opening, after which a 3% fee applies for each balance transfer
    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% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    3% fee applies, but is reduced to 1.13% by a refund for balances transferred within the first 90 days of account opening
    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% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    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% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    No fee to transfer a balance
    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% p.a. (variable) your representative rate will be 18.9% APR (variable).

Guide to Halifax credit cards

Halifax offers a range of cards with interest-free periods on purchases and balance transfers as well as long-term, low-rate credit cards, student credit cards and cards with low charges for overseas use.

The bank became part of the Lloyds Banking Group following the merger of Lloyds TSB and HBOS in 2009.

Read more

Interest rates vary across the range of Halifax credit cards, and the rate you will be offered will depend on your individual circumstances.

Halifax credit cards are fully regulated by the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

 

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 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're 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
9.5/10
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.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

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 and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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