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 credit cards

  • Usually come with a low rate on purchases.
  • Could be a handy way to budget everyday spends, like food shopping, fuel and regular bills.
  • Can be added to smartphones and digital wallets 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.


No need to take your card

Using contactless and digital wallets means you don’t even need your card with you.


Peace of mind

Most credit card purchases of £100-£30,000 are covered by Section 75 of the Consumer Credit Act 1974 if something goes wrong.


Better budgeting

Instead of using different cards for different things, having everything in one place might help you stay on top of your monthly budget.

Things to look out for

  • Only borrow what you can afford to pay back each month.
  • Make sure the credit card limit suits your needs.
  • Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.

Everything you'd expect - as standard


Looking for a new credit card?

Want to transfer a balance, help manage your everyday spends or spread the cost of a big-ticket item? Or maybe a travel credit card might suit your needs.

Large purchase credit cards
Balance transfer credit cards
Travel credit cards


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.

Activate your new card
Report your card lost or stolen
Get a second credit card
Ways to pay

More existing customer help


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.

APR, interest rates and fees
Top tips for managing your card

Credit cards help and guidance


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.


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.


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.