Halifax CC or Barclaycard

edited 30 November -1 at 1:00AM in Credit Cards
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roadblock15roadblock15 Forumite
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edited 30 November -1 at 1:00AM in Credit Cards
I’m looking at applying for one or the other, in your opinions which is best - the Halifax Clarity or Barclaycard Platinum - for everyday purchasing - settling in full each month. Rarely go abroad, maybe once every 4 years.

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  • SnowTigerSnowTiger Forumite
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    I’m looking at applying for one or the other, in your opinions which is best - the Halifax Clarity or Barclaycard Platinum - for everyday purchasing - settling in full each month. Rarely go abroad, maybe once every 4 years.

    Barclaycard tends to offer more balance and money transfer offers if that's your thing.

    But if you only want a card for spending in the UK and pay the balance off every month there isn't much difference between Halifax and Barclaycard, other than customer service and the design of the cards.

    A NewDay card such as Aqua or Amazon might be a better option because they earn cashback or rewards.
  • guesswho2000guesswho2000 Forumite
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    SnowTiger wrote: »
    Barclaycard tends to offer more balance and money transfer offers if that's your thing.

    But if you only want a card for spending in the UK and pay the balance off every month there isn't much difference between Halifax and Barclaycard, other than customer service and the design of the cards.

    A NewDay card such as Aqua or Amazon might be a better option because they earn cashback or rewards.


    As per Snowtiger's said, not a lot of difference, though if you're planning to travel, don't want multiple cards and aren't interested in rewards, I'd pick the Clarity, solely for the lack of foreign use fees.
  • Craig1981Craig1981 Forumite
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    seems like Barclaycard platinum also offering zero fees transaction fees and withdrawals abroad until August 2022 now as well...

    I have Aqua card, never any issues with customer services, nice online portal. I use this solely for travel.
    They do have a REWARD card as said above - 0.5% cashback and free abroad transactions. Higher APR though, so if you unable to pay in full for whatever reason or emergency, not the card to have with the interest rate it holds
  • edited 1 September 2018 at 9:03AM
    coolttcooltt Forumite
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    edited 1 September 2018 at 9:03AM
    I’m looking at applying for one or the other, in your opinions which is best - the Halifax Clarity or Barclaycard Platinum - for everyday purchasing - settling in full each month. Rarely go abroad, maybe once every 4 years.


    Why people keep banging on about the Halifax and Barclaycard is beyond me.

    Creation Everyday Platinum functions in exactly the same way as both above but is much easier to get and more importantly the APR is significantly lower at 12.9%. It's rarely mentioned on this site but that's because they don't pay MSE to push it.


    Take a look and compare. Halifax Clarity 18.9%? don't make me laugh.
  • EveryWhereEveryWhere
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    cooltt wrote: »
    Why people keep banging on about the Halifax and Barclaycard is beyond me.

    Creation Everyday Platinum functions in exactly the same way as both above but is much easier to get and more importantly the APR is significantly lower at 12.9%. It's rarely mentioned on this site but that's because they don't pay MSE to push it.


    Take a look and compare. Halifax Clarity 18.9%? don't make me laugh.

    I agree. Though both Clarity and Platinum Travel have a higher ATM withdrawal limit.

    It's actually just 'Creation Everyday', There is no platinum variation.
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