Halifax credit cards

Review to follow.

You pay 0% on balance transfers for the first 13 months with this card, which has a typical APR of 16.9% once the introductory period is up. You must transfer your balance within 90 days of opening the card account, or you will not be eligible for the 0% rate. You should bear in mind that there is a 3% handling fee for balance transfers. The card also offers 0% on purchases for the first three months. However, remember that if you don't pay off any purchases within the three-month introductory period, your repayments will be use to pay down your balance transfer debt first, leaving interest accumulating on your purchases. While 16.9% is the typical APR, you could be offered a higher rate of either 19.9% or 21.9% depending on your credit history, which could make the card much less competitive. Halifax says that two thirds of its customers are offered the 16.9% rate. There is a choice of five card colours: black, pink, white, red or blue. You can manage your card online, and the card gives you protection against online fraud when buying items on the internet. You are more likely to be accepted for this card if you have a very good credit rating and have not defaulted on payments in the past.

This card offers 0% on purchases and balance transfers for the first 10 months, making it a good deal for those who want to use it both for spending and to transfer debts over from another card. However, there are longer ‘dual' introductory offers available of up to 12 months, so this isn't the best combined deal currently around. There is a 3% handling fee to pay on balance transfers and after the introductory period is up, the card has a typical variable APR of 15.9% on both purchases and balance transfers. The APR may be higher if you don't have an excellent credit history, so you could be charged either 19.9% or 21.9% on purchases and balance transfers depending on your individual circumstances. If you are planning on moving a balance from another card, you must do so within 90 days of opening the Halifax card to qualify for the 0% rate. Don't use the card to withdraw cash, as you will be charged interest at a steep 27.95% on any money taken out from a cash machine. The card does not charge an annual fee. You get the choice of five different card colours when you apply.

You can only apply for this card if you have a Halifax current account which you pay £1,000 or more into each month, or if you hold a Halifax Ultimate Reward Current Account. If you aren't already a current account or Ultimate Reward Account holder, you can switch your existing current account over or open an Ultimate Reward Current Account to qualify for the offer. The card offers 0% on balance transfers for nine months, but there are longer 0% introductory periods available elsewhere. Transfers are subject to a 3% handling fee and the 0% offer excludes balance transfers from existing Bank of Scotland or Halifax cards. The card, which has no annual fee, is likely to be better suited to those looking to make purchases, as it charges 0% on these for the first 12 months. This is two months longer than the 10 months offered by the Halifax All in One card. After this, the APR is 15.9%. This is only a ‘typical' APR, so you could pay a much higher 19.9% or 21.9% depending on your credit history and individual circumstances. According to Halifax, however, two thirds of customers are offered the 15.9% APR. You must be aged 18 or over to be apply for this card.

This card has a low typical APR of 6.9% on both balance transfers and purchases, and there is no balance transfer fee if you want to move debts across from another card. However, this APR is only ‘typical' so you might get charged a higher rate of up to 12.9% depending on your individual circumstances, which would make it much less competitive. If you don't always pay off your credit card bill, but you have a good credit rating and are likely to be offered the 6.9% APR, then this could be the right deal for you. While the card isn't offering an introductory 0% deal, it does mean that you don't have to remember to move your money from card to card every few months, as you've got a good deal for the long term. However, the rate is not fixed, so you should keep a close eye on it and move your balance if it becomes uncompetitive in future. The card gives you cover against online fraud when buying items on the internet, and you can choose from five different card colours when you apply. You can manage your card online too. You must be at least 18 to apply for this card and should have a minimum income of £10,000. The card has no annual fee.

This is a great card if you’re looking for a credit card to use abroad. Most credit cards levy overseas’ usage fees but the Clarity card has no such fees. This means you won’t be charged for making a balance transfer, using your card abroad or withdrawing cash from an ATM. The interest rate is also much lower than average at 12.9% (the average is around 18%). However, it’s important to note that 12.9% is a ‘typical’ rate so it only has to be offered to 66% of successful applicants. You may therefore find that if you are accepted for this card, you’ll be charged a higher rate of interest: either 17.9% or 21.9%. This will depend on your credit score. As a Halifax Reward or Ultimate Reward current account customer, you stand to benefit even more. If you spend more than £300 on your card in any one month, you’ll receive a £5 reward. And that’s in addition to the £5 monthly reward you get on your current account. So you could net £120 a year from having these two products.