Founded in the West Yorkshire town it is named after, Halifax started life in 1853 as a building society. By 1913 it had become the UK’s largest, a position it maintained for more than 80 years until it demutualised in 1997. It merged with Bank of Scotland in 2001, forming HBOS, which was then taken over by Lloyds Banking Group in 2009.
Even though it’s now part of one of the largest banking groups in the world, it operates as a separate brand, offering a range of banking services – including a substantial range of credit cards.
How do Halifax credit cards compare?
Halifax has a wide range of credit cards, though many of them have similar features. Most of them offer significant interest-free periods on both purchases and balance transfers, but as a rule of thumb, the longer the 0% interest period, the higher the transaction fee. Consider the features of each option carefully to work out which one is the best for your needs:
- The 0% Purchase and Balance Transfer card: This card gets you a massive 20 months interest fee on both balance transfers and purchases. Balance transfers command a 3% fee, and must be made within 90 days of opening the account. This is a good all-round card for people who can afford the fee
- Our Longest 0% Balance Transfer: Offering a whopping interest-free period of 29 months, this card is great for balance transfers. There’s a 3% fee per transfer, and transactions must be made within three months of opening the account. Purchases are also 0% for three months. This card is best for people who have debts on other credit cards and want to give themselves as long as possible to pay them off
- Low-Fee 0% Balance Transfer: Another balance transfer card, this one offers 1% fees on balance transfers made within three months of opening the account. The interest-free period is 25 months, and there is 0% on purchases for 12 months. This card is good for people who have outstanding debts which they think they can pay off a little sooner
- No-Fee 0% Balance Transfer: This balance transfer card has a shorter interest-free period at 15 months, but there are no fees and you get 0% interest on purchases for six months. This card is best for people who have outstanding debts on other cards they can pay off in short order
- Clarity credit card: This is a credit card for overseas spending, which features no fees on using the card or making withdrawals anywhere in the world. Interest charges apply, as do local ATM fees. It’s good for people who travel frequently and do not have outstanding debts to pay off
- Flexicard: This low-rate card comes with few other frills beyond a much lower representative APR (9.9% vs 19.9% for other cards). Remember that you’re not guaranteed to be offered the listed APR. This card is best for people who want a credit card for occasional extra spending – and who don’t mind not paying off their balance in full every month
Compare Halifax credit cards - Sorted by APR