You asked about the Halifax Clarity Credit Card: here is how it works, what it costs and what makes it worth considering.
See eligibility & how to apply →
Below you’ll find the rates, fees and offers on this card, plus how it works day to day.
Paying your balance in full each month means you will not pay interest on purchases.
A card that fits the way you spend
Travel cardNo foreign feesNo annual fee
💳 Rates & fees
- Representative APR: 23.9% APR (variable); from 23.9% to 29.9%
- Foreign transaction fee: None on purchases
- Cash withdrawals abroad: No fee, but interest applies from the day of withdrawal
- Annual fee: None
⚙️ How it works
Your credit limit and rate are set by the issuer after checking your application. Pay at least the minimum each month; paying the full balance on time means you avoid interest on purchases. Introductory offers usually end after a set period.
🔍 Check your eligibility first
Many issuers offer an eligibility checker that uses a soft search, so you can see your chances of approval without affecting your credit score.
Halifax has said the brand is changing to Lloyds, so check the current product page before applying.