Halifax Clarity Credit Card
Best for: Fee-free spending and cash withdrawals abroad on a Mastercard
Pros
- Cheap, simple and widely accepted abroad
- No annual fee to keep as a dedicated travel card
- Lower representative APR than many UK rewards cards
Cons
- No rewards or cashback at all
- Interest accrues on cash withdrawals until repaid
- Nothing to recommend it for spending at home
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Halifax Clarity has been a fixture in UK travel wallets for over a decade: no annual fee, no foreign transaction fees and no ATM fees from Halifax anywhere in the world. It earns no rewards, so it is a pure travel tool — but because it runs on Mastercard it works where Amex is refused, and its exchange rate is the network rate with nothing added.
Halifax Clarity Credit Card at a glance
| Issuer | Halifax |
| Card network | Mastercard |
| Annual fee | £0 |
| Rewards rate | None |
| Welcome bonus | None |
| 0% intro period | None |
| Representative APR | 23.9% (variable) |
| Non-sterling transaction fee | None |
| Credit needed | Good |
| Airport lounge access | No |
| Best for | Fee-free spending and cash withdrawals abroad |
Rewards & perks
- No foreign transaction fees on purchases anywhere
- No cash withdrawal fee abroad (interest applies from the withdrawal date unless repaid quickly)
- Mastercard acceptance worldwide
Pros
- Cheap, simple and widely accepted abroad
- No annual fee to keep as a dedicated travel card
- Lower representative APR than many UK rewards cards
Cons
- No rewards or cashback at all
- Interest accrues on cash withdrawals until repaid
- Nothing to recommend it for spending at home
Who should apply
- UK residents aged 18+ with a good credit record
- Frequent travellers who want a Mastercard backup to an Amex
- Anyone who withdraws cash abroad regularly
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Halifax site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar UK cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
HalifaxClarity 5215 6642 4283 6904 VALID THRU 11/29SAM RIVERA Halifax Clarity Credit CardFee-free spending and cash withdrawals abroad |
None | None | None | None | Good | |
BarclaycardRewards Visa 4388 9936 5990 6007 VALID THRU 11/30RILEY CHEN Barclaycard Rewards VisaEveryday spending at home and abroad with no foreign fees |
None | 0.25% cashback on all eligible purchases | None | None | Good (Experian “good” band or… |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.