Halifax Credit Cards

Whether you are looking for a credit card to make everyday purchases, to make a balance transfer or just a simple to use credit card, you can use the table below to find the card that is right for you.

All our credit card deals

Credit cardsBalance transfer Purchase offer Representative exampleApply

All in One CardAll in One Credit Card
An amazing 15 months interest free on both balance transfers and purchases for the majority of our customers*

Sort order 3

0% up to
15 months*
3% fee

 

Sort order 6

0% up to
15 months*

 

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

apply now for a Halifax All in One Card

Find out more

Clarity cardClarity Credit Card
One simple rate and no usage fees. Which means we won't charge you for transferring a balance, withdrawing cash, or even for using it abroad.

Sort order 2

No fee

 

Sort order 2

NA

Representative 12.9% APR (variable)
Purchase rate 12.92% pa (variable)
With an example credit limit of £1,200

apply now for the Clarity card

Find out more

17 Month Balance Transfer Card17 Month Balance Transfer Credit Card
A simple, straight forward, 17 month balance transfer offer that could help you save money on any current balances you have with other providers.

Sort order 4

0%
17 months
3% fee

Sort order 3

0%
3 months

Representative 16.9% APR (variable)
Purchase rate 16.94% pa (variable)
With an example credit limit of £1,200

Apply now for the Halifax 17 Month Balance Transfer Credit Card

Find out more

20 Month Balance Transfer Card20 Month Balance Transfer Credit Card
A great 20 month balance transfer offer for customers who earn a minimum annual income of £20,000

Sort order 5

0%
20 months
3% fee

Sort order 4

0%
3 months

Representative 16.9% APR (variable)
Purchase rate 16.94% pa (variable)
With an example credit limit of £1,200

Apply now for the Halifax 20 Month Balance Transfer Card

Find out more

22 Month Balance Transfer Card22 Month Balance Transfer Credit Card
Our longest EVER balance transfer offer for customers who earn a minimum annual income of £20,000

Sort order 6

0%
22 months
3.5% fee

Sort order 5

0%
3 months

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 22 Month Balance Transfer Credit Card

Find out more

Student cardStudent Credit Card
Flexible credit limit and free text reminders when payment is due.

Sort order 1

NA

Sort order 1

NA

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

apply now for a Student Card

Find out more

Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.

* All in One Credit Card - The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

We don’t charge a cash advance fee for the Clarity Card but some independent cash machine providers may charge fees for their service.

Help & guidance

Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance
  4. Sign into your Marriott Rewards Account

Balance transfers and purchase offers

Credit cardsBalance transfer Purchase offer Representative exampleApply

All in One CardAll in One Credit Card
An amazing 15 months interest free on both balance transfers and purchases for the majority of our customers*

Sort order 1

0% up to
15 months*
3% fee

 

Sort order 4

0% up to
15 months*

 

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

apply now for a Halifax All in One Card

Find out more

17 Month Balance Transfer Card17 Month Balance Transfer Credit Card
A simple, straight forward, 17 month balance transfer offer that could help you save money on any current balances you have with other providers.

Sort order 2

0%
17 months
3% fee

Sort order 1

0%
3 months

Representative 16.9% APR (variable)
Purchase rate 16.94% pa (variable)
With an example credit limit of £1,200

Apply now for the Halifax 17 Month Balance Transfer Credit Card

Find out more

20 Month Balance Transfer Card20 Month Balance Transfer Credit Card
A great 20 month balance transfer offer for customers who earn a minimum annual income of £20,000

Sort order 3

0%
20 months
3% fee

Sort order 2

0%
3 months

Representative 16.9% APR (variable)
Purchase rate 16.94% pa (variable)
With an example credit limit of £1,200

Apply now for the Halifax 20 Month Balance Transfer Card

Find out more

22 Month Balance Transfer Card22 Month Balance Transfer Credit Card
Our longest EVER balance transfer offer for customers who earn a minimum annual income of £20,000

Sort order 4

0%
22 months
3.5% fee

Sort order 3

0%
3 months

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 22 Month Balance Transfer Credit Card

Find out more

Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.

* All in One Credit Card - The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

Help & guidance

 Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance
  4. Sign into your Marriott Rewards Account

Low rate and no fee credit cards

Credit cardsBalance transfer Purchase offer Representative exampleApply

Clarity cardClarity Credit Card
One simple rate and no usage fees. Which means we won't charge you for transferring a balance, withdrawing cash, or even for using it abroad.

Sort order 2

No fee

 

Sort order 2

NA

Representative 12.9% APR (variable)
Purchase rate 12.92% pa (variable)
With an example credit limit of £1,200

apply now for the Clarity card

Find out more

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

We don’t charge a cash advance fee for the Clarity Card but some independent cash machine providers may charge fees for their service.

Help & guidance

 Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance
  4. Sign into your Marriott Rewards Account

Other credit cards

Credit cardsBalance transfer Purchase offer Representative exampleApply

Student cardStudent Credit Card
Flexible credit limit and free text reminders when payment is due.

Sort order 1

NA

Sort order 1

NA

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

apply now for a Student Card

Find out more

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

Help & guidance

 Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance
  4. Sign into your Marriott Rewards Account

Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised and Regulated by the Financial Services Authority.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

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