Choose a Halifax credit card

To get started, check your eligibility with our tool, Simple Check. You'll see all our cards that you can apply for.

Check now

About our credit card options

Compare the different types of Halifax credit cards.

Rewards credit cards

Get cashback or choose a card that also has additional travel benefits.

Cashback credit cards

Earn cashback on eligible card purchases.

More on Cashback credit cards

World Elite Mastercard®

Earn cashback on eligible card purchases plus additional travel benefits. A monthly fee applies

Find out more More on World Elite Mastercard®

Everyday spending credit cards

A card for shopping, bills and any other day-to-day spends. Usually come with a low interest rate on card purchases.


Everyday credit cards

Balance transfer credit cards

Move existing credit or store card balances to a single credit card. Usually come with an introductory interest rate offer.

Balance transfer credit cards

Large purchases credit cards

Spread payments of larger purchases instead of paying up front. Usually come with an introductory interest rate on purchases.

Large purchases credit cards

Travel credit cards

A credit card you can use at home and overseas.

One interest rate on everything.

Travel credit cards

Check your eligibility to get started

You'll see:

  • the credit cards you’re likely to be accepted for
  • your estimated credit limit.
  • It doesn't affect your credit score. Credit is available subject to status.


Check now

Frequently asked questions

  • Rather than show every credit card we offer, by checking your eligibility first, we’ll only show you the cards you can apply for. You’ll also see what credit limit and interest rate you’re likely to get before you apply. This means you’re less likely to be declined or given a different offer when you make a full application.

    Check your eligibility without affecting your credit score. 

  • You can apply for a Halifax credit card if:

    • You are a UK resident, aged 18 or over, with a regular annual income.
    • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
    • You are not unemployed or a student.
    • You have not been declined for a Halifax credit card within the last 30 days.

    When you check your eligibility, you’ll need a few bits of basic information to hand. This includes things like your addresses for the last 3 years, bank details, annual income, spending commitments, and a few other details.

    Learn more about how to apply for a credit card.

  • The interest rate and credit limit you’re offered will depend on a few factors. These can include your spending history, income, spending commitments, how you’ve managed credit in the past, and more. All this will be determined during the eligibility and application process.

    You can do an eligibility check to see your estimated credit limit and interest rates before you apply. The eligibility check won’t affect your credit score and will take a few minutes.

  • 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.

    Each type of credit card we offer is suitable for a different purpose. For example, our travel credit cards might be suitable for your spending at home and abroad, but a balance transfer card could help you to bring other credit and store card balances into one place.

    Read through everything on this page and take a look at our guide on how to choose a credit card to learn more about which card might be right for you.

  • 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. If you go ahead and apply for a credit card then we will perform a full credit check. This could impact your credit score. Credit is available subject to status.

  • Some of the top tips for using a credit card include:

    • Borrow only what you can afford.
    • Don't go over your credit limit.
    • Know the cost of borrowing.
    • Check statements carefully.
    • Keep your card and PIN safe.
    • Make payments on time.

    See our managing a credit card guide to read more about these tips and the best ways to manage a credit card.

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.


More about our app

QR code to download our Mobile Banking app

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

Download app

More about our app

Help & guidance

Learn more about how credit cards work, get help with your account and find out what support we offer. 

Existing customers

If you’ve already got a credit card with us, you’ll find everything you need to look after it here.

Activate your new card

How to pay your bill

Make a change to your account

Report your card lost or stolen

Credit card interest calculator

More existing customer help

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Help with money worries

Help me manage my money

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF 60KB)