It's easy to check if you're eligible for a Halifax credit card.

    • Answer some straightforward questions.
    • We won't harm your credit score.
    • We’ll tell you how likely you are to be accepted.

    A high score doesn't guarantee you'll be accepted, and the rate and any promotional term that you could receive will depend on your individual circumstances. Your score is only valid at this time and if your circumstances change your likelihood of acceptance may be affected.

    What does this score mean?

    Based on the information you have provided, you are unlikely to be accepted for a Credit Card with us.

    We consider a number of factors when making a lending decision

    If you believe your credit rating is strong, you may want to check to confirm there are no errors on your credit file. On the other hand, if you are experiencing financial difficulties or would just like tips to get your credit score in better shape, visit our links below.

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are unlikely to be accepted for a Credit Card with us.

    We consider a number of factors when making a lending decision

    If you believe your credit rating is strong, you may want to check to confirm there are no errors on your credit file. On the other hand, if you are experiencing financial difficulties or would just like tips to get your credit score in better shape, visit our links below.

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are unlikely to be accepted for a Credit Card with us.

    We consider a number of factors when making a lending decision

    If you believe your credit rating is strong, you may want to check to confirm there are no errors on your credit file. On the other hand, if you are experiencing financial difficulties or would just like tips to get your credit score in better shape, visit our links below.

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are unlikely to be accepted for a Credit Card with us.

    We consider a number of factors when making a lending decision

    If you believe your credit rating is strong, you may want to check to confirm there are no errors on your credit file. On the other hand, if you are experiencing financial difficulties or would just like tips to get your credit score in better shape, visit our links below.

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are 50% likely to be accepted for a card.

    The results are based on the information available to us and is not a full representation of your credit score. If you feel that your Credit Score is higher, please feel free to apply.

    Before applying, please consider the following as they could influence your ability to get a card with us:

    • Have you missed a Credit Card, Loan or Mortgage payment in the past 6 months?
    • Are you registered on the electoral roll?
    • Have you applied for credit in the past 6 months?
    • What is your current level of financial commitment?

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are 60% likely to be accepted for a card.

    The results are based on the information available to us and is not a full representation of your credit score. If you feel that your Credit Score is higher, please feel free to apply.

    Before applying, please consider the following as they could influence your ability to get a card with us:

    • Have you missed a Credit Card, Loan or Mortgage payment in the past 6 months?
    • Are you registered on the electoral roll?
    • Have you applied for credit in the past 6 months?
    • What is your current level of financial commitment?

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are 70% likely to be accepted for a card.

    The results are based on the information available to us and is not a full representation of your credit score. If you feel that your Credit Score is higher, please feel free to apply.

    Before applying, please consider the following as they could influence your ability to get a card with us:

    • Have you missed a Credit Card, Loan or Mortgage payment in the past 6 months?
    • Are you registered on the electoral roll?
    • Have you applied for credit in the past 6 months?
    • What is your current level of financial commitment?

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you have provided, you are 80% likely to be accepted for a card.

    The results are based on the information available to us and is not a full representation of your credit score. If you feel that your Credit Score is higher, please feel free to apply.

    Before applying, please consider the following as they could influence your ability to get a card with us:

    • Have you missed a Credit Card, Loan or Mortgage payment in the past 6 months?
    • Are you registered on the electoral roll?
    • Have you applied for credit in the past 6 months?
    • What is your current level of financial commitment?

    Please be aware that whilst this soft search will not affect your credit profile if you proceed through a full application and are declined this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this score mean?

    Based on the information you gave us, you are very likely to be approved for one of our credit cards!

    Please remember that if you are approved for a card with us, the promotional offer, APR and Credit Limit you are offered will depend on your personal circumstances.

    This result is an estimate, and should you decide to apply, we will conduct a full credit check before making our final decision.

    Please be aware that this soft search will not affect your credit profile. Credit is provided subject to a full assessment of your circumstances, if you do decide to complete a full application and are declined as a result of the assessment please be aware this may affect your credit score and your chances of being approved for credit elsewhere.

    What does this mean?

    Based on the information you’ve input, we are unfortunately not in a position to offer you a Credit Card. We appreciate that this decision may be a disappointment, so we’d like to explain how the bank reaches its lending decisions and any steps you could take if you think our decision is unjustified.

    To help us reach a decision, we use a “credit scoring” system along with our lending rules which is explained in the PDF below.

    We've been unable to find any information about you.

    Unfortunately there has been an error when trying to retrieve information about you from the credit reference agency that we search.

    This may be for a number of reasons

    i) a technical error

    ii) inaccurate details provided;

    iii) inability to find you on the electoral register.

    You can reset the form using the link above and try again to double check that the information you provide is entered correctly. However, should this error persist we would recommend that you read our useful guide on credit scoring (pdf) and try again another time. This won't prevent you from applying for a Halifax credit card.

    There has been an error when trying to check your credit profile.

    Unfortunately there has been an error when trying to retrieve information about you from the credit reference agency that we search.

    This may be for a number of reasons

    i) a technical error

    ii) inaccurate details provided;

    iii) inability to find you on the electoral register.

    You can reset the form using the link above and try again to double check that the information you provide is entered correctly. However, should this error persist we would recommend that you read our useful guide on credit scoring (pdf) and try again another time. This won't prevent you from applying for a Halifax credit card.

    Our longest balance transfer offer


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 43 months from account opening on balance transfers within the first 90 days.
    0% for 6 months from account opening on purchases.
    A representative rate of 18.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 43 months from account opening on balance transfers within the first 90 days.
    0% for 6 months from account opening on purchases.
    A representative rate of 21.9% APR (variable).


    What rate and term will I get if I'm accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 21 months from account opening on balance transfers within the first 90 days.
    0% for 6 months from account opening on purchases.
    A representative rate of 27.9% APR (variable).

    Balance Transfer & Purchase offer


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 26 months from account opening on balance transfers within the first 90 days.
    0% for 26 months from account opening on purchases.
    A representative rate of 18.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 26 months from account opening on balance transfers within the first 90 days.
    0% for 26 months from account opening on purchases.
    A representative rate of 21.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 18 months from account opening on balance transfers within the first 90 days.
    0% for 18 months from account opening on purchases.
    A representative rate of 25.9% APR (variable).

    0% balance transfer fee offer


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 26 months from account opening on balance transfers within the first 90 days.
    0% for 6 months from account opening on purchases.
    A representative rate of 18.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 13 months from account opening on balance transfers within the first 90 days.
    0% for 6 months from account opening on purchases.
    A representative rate of 21.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 13 months from account opening on balance transfers within the first 90 days.
    0% for 6 months from account opening on purchases.
    A representative rate of 25.9% APR (variable).

    Purchase Credit Card


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 13 months from account opening on balance transfers within the first 90 days.
    0% for 21 months from account opening on purchases.
    A representative rate of 18.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 13 months from account opening on balance transfers within the first 90 days.
    0% for 16 months from account opening on purchases.
    A representative rate of 21.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 6 months from account opening on balance transfers within the first 90 days.
    0% for 14 months from account opening on purchases.
    A representative rate of 25.9% APR (variable).

    Clarity Credit Card


    What rate will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate below:
    A representative rate of 18.9% APR (variable).


    What rate will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate below:
    A representative rate of 21.9% APR (variable).


    What rate will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate below:
    A representative rate of 25.9% APR (variable).


    What rate will I get if I’m accepted?

    You can check which rate and term you’ll be considered for in the Will I be accepted? section when you’re reviewing a specific credit card (excludes our Student credit card).

    BT Fee Offer


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 32 months from account opening on balance transfers within the first 90 days.
    0% for 12 months from account opening on purchases.
    A representative rate of 18.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 32 months from account opening on balance transfers within the first 90 days.
    0% for 12 months from account opening on purchases.
    A representative rate of 21.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 32 months from account opening on balance transfers within the first 90 days.
    0% for 12 months from account opening on purchases.
    A representative rate of 25.9% APR (variable).

    FlexiCard Credit Card


    What rate will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate below:
    A representative rate of 6.4% APR (variable).


    What rate will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate below:
    A representative rate of 10.9% APR (variable).


    What rate will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate below:
    A representative rate of 14.9% APR (variable).

    Purchase offer


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 6 months from account opening on balance transfers within the first 90 days.
    0% for 30 months from account opening on purchases.
    A representative rate of 18.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 6 months from account opening on balance transfers within the first 90 days.
    0% for 30 months from account opening on purchases.
    A representative rate of 21.9% APR (variable).


    What rate and term will I get if I’m accepted?

    Based on the information that you provided, you would be considered for the rate and term below:
    0% for 6 months from account opening on balance transfers within the first 90 days.
    0% for 18 months from account opening on purchases.
    A representative rate of 25.9% APR (variable).

    Our longest balance transfer offer

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    Balance Transfer & Purchase offer

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    0% balance transfer fee offer

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    Purchase Credit Card

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    Clarity Credit Card

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    BT Fee Offer

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    FlexiCard Credit Card

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    Purchase Offer

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