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Everyday spending credit cards
Putting your day-to-day expenses on an everyday credit card could help you keep track of them all more easily.
Features of everyday spending cards:
- Usually come with a low rate on card purchases.
- Could help you budget for everyday spending, like food shopping, fuel and regular bills.
- Can be added to a smartphone or digital wallet for contactless spending.
Will I be accepted?
See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.
Standard account features
- Manage your account online: using your computer, tablet or phone, you can check balances, recent transactions and statements, make payments, request transfers and more.
- Complete fraud protection: you won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card.
- Lots of payment options: you can make your monthly payments in a number of ways, including bank transfer, debit card and regular Direct Debit payments.
- UK call centres: our UK based contact centres are just a phone call away. We’re here to help with essential services.
- Contactless cards: make small payments securely and quickly, wherever you see the contactless symbol. You can also add your card details to a compatible mobile device, ready to use online and at checkouts.
- Paperless statements: monthly statements will be delivered online, instead of by post. We’ll let you know by email when a new statement is ready to view online.
Check if you're eligible
Important documents
Draft credit card account Terms and conditions (PDF, 375KB)
Full terms and conditions specific to you will be issued once you've been accepted for a credit card.
Let’s take a closer look
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Rather than display all of the credit cards we offer, we’ll only show you the ones you’re eligible to apply for. Provide a few basic details and our eligibility checker will do the rest, giving you a clearer idea of the credit limit and interest rate you could get. It also means you’re less likely to be declined, or offered a different rate when you submit a full credit application.
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We’ll show you the interest rate and credit limit you could get when you use our eligibility checker. This check takes about five minutes to complete, and won’t affect your credit score. We offer interest rates and a credit limit based on your personal circumstances. By using the eligibility checker, you’ll only see the cards you’re eligible to apply for and are more likely to be accepted for.
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When applying for a credit card, it’s important to make sure the one you choose suits your needs.
Everyday spending cards don’t do anything flashy – but they can help you manage your household budget.
They usually come with a low interest rate on card purchases and be handy for things like paying regular bills, the weekly shop, or to cover any unplanned expenses.
However, an everyday credit card might not suit everyone. If your main reason for taking out a card is to complete a balance transfer, then it might be worth looking at balance transfer credit cards. If you’re planning to use a credit card for slightly more expensive things, it might be worth looking at a large purchase credit card.
There are also other types of credit cards available that may be more suitable for your needs. Do your homework about what each card offers to find the one that’s right for you.
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You can apply for a credit card if:
- You’re 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’re not unemployed or a student.
- You’ve not been declined for a Halifax credit card within the last 30 days.
You’ll need to complete an eligibility check first, then we’ll show you the credit cards, interest rates and credit limit we could offer you.
This check takes about five minutes to complete, and won’t affect your credit score. We’ll just need some basic details from you, including your name, address, and some information about your income and outgoings.
Once you’ve found the card you want to apply for, simply follow the instructions to complete a full credit application.
Check your eligibility or find out more about how to apply for a credit card.
Already have a credit card with Halifax?
Visit the customer hub to find out about flexible ways to help manage your credit card.
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