Halifax Credit Cards

In the January 2026 economy, navigating credit is about more than just perks—it’s about protection. While we still highlight the best of Halifax for travel and rewards, it is vital to note that the average UK credit card interest rate (APR) has reached 24.66%, the highest in over three decades. This surge makes balance transfer tools an essential resource for those looking to shield their finances from high-interest debt while they pay down balances.

Best Halifax Card for Overseas Travel: Halifax Clarity Credit Card

The Halifax Clarity Credit Card remains a stalwart travel card to use abroad since you can use it overseas without paying a fee on foreign transactions. This applies to both purchases (e.g., at a restaurant) and cash withdrawals from ATMs.

This doesn't mean ATM withdrawals don't cost you anything, though. Some ATMs will charge their own fee for use of the machine, which is not related to Halifax. While ATM withdrawals won't incur a fee from Halifax, they will be charged interest, however. Interest charges on cash transactions start accruing immediately, so you can limit this cost by going online to pay back any ATM withdrawals as soon as possible. The 23.9% variable interest rate on cash withdrawals is quite a bit lower than average, however, making it a solid travel card.

Best Halifax Balance Transfer Deals

Halifax historically offered competitive balance transfer and purchase promotions in the UK—but offers change constantly so we'll direct you to Halifax to see their latest offers, as they change from time to time.

Halifax is now not among the top cards, but the competitive ceiling has risen. In early 2026, the longest 0% balance transfer windows—offered by providers like TSB and Barclaycard—now stretch between 36 and 38 months. In this context, Halifax’s current maximum of 25 months serves as a reliable, mid-length option for those who don't need three full years to clear their debt.

Good to know:

Halifax No Fee Balance Transfer

This Halifax Credit Card "0% Balance Transfer Fee Offer is for people who don't want to pay a fee on balance transfers and who can manage with a shorter 0% promotional period. New purchases also benefit from a period of time without interest on purchases. As is common with many balance transfer cards, applicants with a weaker credit history may get a shorter 0% interest balance transfer period. In either case, there is no fee when you initially transfer the balance. This offer applies to balance transferred in the first 90 days.

However, Halifax is no longer the market leader for duration; in 2026, competitors like Barclaycard and NatWest offer no-fee transfers for up to 12 to 15 months.

Halifax Low Fee Balance Transfer

We also quite like the features of Halifax's low fee balance transfer, which is more suited to those who want a slightly longer 0% promotional period on transferred balances. The initial balance transfer fee is generally competitive and less than the fee on the longest balance transfers (e.g. 1%). The card comes with another perk: 0% on purchases for longer than you'll get on many competing balance transfer cards (e.g. 12 months). Transfers must be made within 90 days of the account opening to get the promotional offer. This card can be an efficient way to handle both existing debt and upcoming purchases.

In the current 2026 market, this low-fee option typically carries a fee between 0.99% and 1.5%, providing a cost-effective way to move debt without the higher ~3.5% fees found on 'extra-long' promotional cards.

Halifax Purchase and Balance Transfer Card

The Halifax Purchases Credit Card sports one of the longest 0% purchases promotional offers, aimed at those needing as long as possible to spread out the cost of any upcoming purchases. Halifax often has a market leading offer in this category (e.g. 17 months), however those with weaker credit files may only receive a shorter no-interest promotional period or the Classic Credit Card.

Best Halifax Card for Rewards: Halifax Cashback Credit Card

The Halifax Cashback Credit Card pays you cashback on your spending. Cardholders earn 0.25% cashback on your first £4,000 of purchases per calendar year, then 0.5% cashback thereafter. There's no cap on the amount of cashback you can earn, and there's a welcome bonus of £20 cashback if you make card purchases of £1m000 within the first 90 days of account opening.

While cards like the Amex Platinum Cashback Everyday offer higher potential yields (0.5% to 1% ongoing, plus a 5% intro rate), the Halifax card’s trump card in 2026 is its status as a Mastercard. This ensures significantly wider acceptance at smaller UK retailers and overseas compared to American Express.

What You Need to Know About Halifax Credit Cards

Halifax consistently offers some of the best credit card deals in the market, whether your priority is a balance transfer, paying no interest on purchases or paying no fees overseas with a travel card. There are some important facts to be aware of, however, to get the most out of a Halifax card.

Pay On Time

For instance, you must always pay on time and stay within your credit limit in order to keep any 0% promotional periods. In the case of purchases or balance transfer cards, losing your promotional period would mean your interest rate pops up from 0% to the stated interest rate (usually 19.9% or higher). Also, it's good to know that you may not receive the full promotional period for which you apply. Like many banks, Halifax might approve your for a higher interest rate and/or a shorter 0% promotional period.

You Still Make Monthly Payments

Remember that "no interest" doesn’t mean "no monthly payments." You will still be required to make monthly payments on purchases and balance transfers, in order to reduce your balances. However we'd like to stress the benefit of paying MORE than the minimum each month. Ideally, balances on a 0 interest card are paid off in full before the promotional period comes to and end. To calculate the size of the monthly payments needed to accomplish this, divide the balance by the months of 0% interest remaining.

Use the Eligibility Checker

Halifax is one of the UK credit card companies offering free soft eligibility checks to potential applicants to find out your odds of being accepted. The Halifax eligibility check performs a soft credit search that will not leave a mark on your credit file for other lenders to see. (You, however, will see all soft searches when you check your own file.)

This is a great tool but is not offered by all banks—a definite perk. Additionally, those loyal to Halifax will be pleased to hear that you can take out a second credit card, subject to conditions discussed below. However, while you can hold two Halifax credit cards under some conditions, you cannot transfer a balance from one Halifax credit card to another.

What if I Already have a Halifax Card?

Halifax permits you to have a second credit card, which is handy useful because different cards serve different needs. For example, you may need one card to manage existing outstanding balances but want another for upcoming holiday abroad purchases (fee free). You can apply for a second Halifax Credit Card, as long as you satisfy the following conditions:

Comparing Halifax Credit Cards to Other Similar Cards

If you want to know if any of the cards mentioned above are right for you, it can help to know what other similar cards are available. Below, we highlight a few cards that offer similar functionality, in order to help you make an informed decision.

For Travel: Barclaycard Rewards Credit Card

The Barclayard Rewards Credit Card is another good choice for people to use when travelling because it doesn't charge FX fees on purchases—but it's less desirable for any ATM withdrawals due to the cash fees. Plus cardholders get 0.25% back on purchases. While this is less than the best rewards cards, it is at least something for a travel card.

Bottom Line: If you need a no transaction fee travel card, the Barclaycard Rewards card is another solid option for purchases abroad.