Halifax credit cards

Best Halifax credit cards

Halifax is a banking chain in the UK and a division of Bank of Scotland, which is a subsidiary of Lloyds Banking Group. It is named after the town of Halifax in West Yorkshire where it was founded as a building society in 1853.

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

 

Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{::sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 the first time. Your scores help you understand which cards you have the strongest chance of getting. 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.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

Halifax

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Halifax

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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  • No rewards

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})

EXPLORE MORE CREDIT CARDS

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.

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.

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