Large purchase credit cards

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.

When introductory interest rates expire, the standard interest rates will apply to any balances you haven’t repaid, potentially increasing your borrowing costs.

It’s important to know that you could lose your introductory rate if you don’t make at least the minimum payment on time each month, or you go over your credit limit. Making the monthly minimum payment probably won’t be enough to clear your balance before any offers expire, especially if you’ve used your card for other things, so pay more whenever you can.

Things to look out for:

• The Annual Percentage Rate (APR) is usually based on the card purchase interest rate, accounting for standard account costs, such as annual fees. As well as giving you an idea about the annual cost of borrowing, the APR is also a quick way to compare credit products.
• The lowest and longest lasting introductory interest rates are usually offered on one transaction type, e.g. card purchases, so think about the main reason you need a credit card.
• You can use a purchase credit card to make transfers and other types of transaction, but higher interest rates might apply. You could avoid paying interest by repaying your balance in full every month.
• Only borrow what you can realistically afford to repay. Will you be able to make payments, even if your circumstances changed?

When applying for a credit card, it’s important to make sure the one you choose suits your needs.

Large purchase credit cards often come with an introductory interest rate on card purchases, and can be a flexible way to spread your costs. However, if you use your card to make other types of transaction, the interest rates and other costs could be higher.

A large purchase 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 to manage your everyday spending, such as regular bills, expenses or even unexpected costs, it might be worth looking at everyday purchase credit cards.

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.

How to choose a credit card

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.