Rep. APR
23.9%
Variable
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
No rewards programme.
No non-sterling transaction fee on purchases.
UK residents 18+, subject to status. Interest is charged on cash withdrawals from day one, so clear the balance straight away.
The Halifax Clarity is a no-fee Visa card that suits frequent travellers who want to spend abroad without paying over the odds on the exchange rate. We measured it as practically nothing off the real exchange rate, which matches the best cards we have seen. The 23.9% APR is cheaper to borrow on than most fee-free cards, where the typical rate sits at 27.9%. The genuine catch is cash withdrawals: interest runs from the day you take the money out, so I would treat this as a card for purchases only and pay the balance in full each month.
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