Credit Cards
Try our eligibility tool, Simple Check:
- See the Halifax credit cards you’re likely to be accepted for.
- See your estimated credit limit up front.
- It won’t affect your credit score.
What are you looking to do today?
-
Whether it’s the weekly shop, your household bills or any unexpected expenses you need to sort out, an everyday credit card could help you stay on top of your finances.
Why an everyday credit card might be useful:
- Usually comes with a low interest rate on purchases.
- Most credit card purchases (over £100 but not more than £30,000) are protected by Section 75 of the Consumer Credit Act.
- Handy for helping keep track of everyday spending.
-
With a balance transfer credit card, you could combine your existing card balances, so you’ll have one monthly repayment to think about. Balance transfer fees may apply.
Why a balance transfer card might be useful:
- If you’re looking to move other credit card and selected store card balances.
- Outgoings could be easier to manage with everything in one place.
- Usually have an introductory offer on balance transfers.
-
Help make planned purchases more affordable by spreading the cost with a large purchase credit card.
Why a large purchase credit card might be useful:
- Usually have an introductory offer on purchases for a fixed time.
- Most credit card purchases (over £100 but not more than £30,000) are protected by Section 75 of the Consumer Credit Act.
- Flexible way to budget for big-ticket items or services.
-
If you’re looking for a credit card you can also use at home and overseas, a travel credit card might suit your needs.
Why a travel credit card might be useful:
- Usually have one simple rate for all transactions wherever they’re made.
- Accepted widely overseas and in the UK.
- Most credit card purchases (over £100 but not more than £30,000) are protected by Section 75 of the Consumer Credit Act.
Simple Check
Simple Check makes it easier to find and compare which Halifax credit cards you’re eligible to apply for.
As the name suggests, it’s a straightforward credit card eligibility checker that shows you which cards you’re likely to be accepted for and your estimated credit limit. That’s it. Nice and simple.
Manage your Halifax credit card
If you’ve already got a credit card with us, you’ll find everything you need to look after it here.
Find out more about credit cards
A credit card can be very handy. The trick is learning how it works so you can use it wisely. Whether you’re thinking of applying for a Halifax credit card or you’re already a customer, our guides will help you find out more.
Set up our Mobile Banking app
Everyday banking on the go where you can:
- View account statement and search transactions
- View pending transactions
- Report a card as lost or stolen or temporarily freeze it
- View pin
- Sign in securely using fingerprint or Face ID with a compatible device
Frequently asked questions
-
Rather than display every credit card we offer, we’ll only show you cards you’re eligible to apply for. That way, you can make an informed choice about which cards will suit your needs.
-
A credit card can help you take control of your finances, but it needs to be the right option for your needs. Not all borrowing options are appropriate for all situations. For example, you may decide a credit card is not suitable with which to buy a car and may decide that a loan might be more suitable for you. However, if you need more flexibility over your monthly repayments, a credit card could provide that.
Learn more about the borrowing options available, including credit cards, loans, arranged overdrafts, and more, to help decide which is right for you.
-
This depends on what you want to use it for, and your individual circumstances. We’d suggest reading through everything on this page and on our website, so you understand exactly which credit card is right for you. You might find our credit cards help and guidance section useful.
-
A credit card is a plastic card, like your debit card, that can be used to pay for goods and services. However, with a credit card, you borrow the money when you spend on it, and then pay it back on a monthly basis. Interest will be added if you don’t clear your balance in full. Credit cards also offer better protection than debit cards on larger transactions.
-
No. It only does a ‘soft’ credit search that can’t be seen by other lenders, so they can’t use it when making a lending decision.
Mobile Banking app
Available to Online Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.