Large purchase credit cards
A large purchase credit card could help spread the cost of an expensive purchase, which might help make it a more manageable way to pay.
Features of large purchase credit cards
- Usually come with an introductory offer on purchases.
- Could be a useful way of funding planned bigger items or projects.
- Better purchase protection than you get with a debit card.
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.
What happens after the introductory offer ends?
Your interest will go to the standard rate for your credit card. This might be higher, unless you clear your balance in full before the introductory offer ends. Bear in mind, you’ll lose your introductory rate if you don’t make your minimum payment each month and stay within your credit limit.
Things to look out for
- The interest rate (APR) charged. This factors in interest and any fees automatically charged to your account, so is useful for comparing overall costs of credit cards.
- How long the introductory offer period is.
- 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
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Check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
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You won’t be charged for transactions you didn’t authorise, as long as you tell us if you spot anything odd, or if you lose your card.
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Make repayments through your bank, using your debit card, or set up a regular Direct Debit.
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Call us 24/7 (in most cases) if you need to talk to us about something on your account.
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Make secure payments wherever you see the contactless symbol. Add your card to your phone too, to make paying even quicker.
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Get your statements delivered online instead of through your letterbox.
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.
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.
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.