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Halifax Clarity or Chase Debit

We're off to Germany for a few days soon, which would be better for us to use to pay for things, our Halifax Clarity credit card, or Chase Debit card where we get 1% cashback?

I screwed up booking the hotel on my John Lewis card and got stung for over £14 in currency conversion fees (the hotel charged our card in Euros). Don't want to make the same mistake again.
Make £2026 in 2026
Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77,  Zopa CB £30, Misc £10.11,
Total £629.02  31%

Make £2025 in 2025  Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10

Make £2024 in 2024 Total £1410 70%
Make £2023 in 2023 Total: £2606.33 128.8%


Comments

  • 400ixl
    400ixl Posts: 4,482
    1,000 Posts Fourth Anniversary Name Dropper
    Forumite
    Exchange rates will be all but identical, the Clarity card is a credit card so will give you more protection, especially if the purchase is over £100.
  • Doshwaster
    Doshwaster Posts: 6,414
    Part of the Furniture 1,000 Posts Name Dropper
    Forumite
    Always wise to have a backup payment method so I would take both.

    Chase will be better for ATM withdrawals. Clarity for hotel or car hire deposits.  A credit card is always useful for emergencies.

  • Both would tick all the boxes.
  • Slinky
    Slinky Posts: 12,046
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forumite
    Both would tick all the boxes.

    But Chase gives 1% cashback which Halifax Clarity doesn't.......
    Make £2026 in 2026
    Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77,  Zopa CB £30, Misc £10.11,
    Total £629.02  31%

    Make £2025 in 2025  Total £2241.23/£2025 110.7%
    Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10

    Make £2024 in 2024 Total £1410 70%
    Make £2023 in 2023 Total: £2606.33 128.8%


  • Well spotted.

  • HogMan
    HogMan Posts: 205
    Eighth Anniversary 100 Posts Photogenic Combo Breaker
    Forumite
    I would use both.

    Use Chase for lower cost purchases or where protection isn't required.

    Use Halifax for remaining purchases or where funds may be ring fenced (deposits) such as car rental and hotels.


  • Slinky
    Slinky Posts: 12,046
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forumite
    HogMan said:
    I would use both.

    Use Chase for lower cost purchases or where protection isn't required.

    Use Halifax for remaining purchases or where funds may be ring fenced (deposits) such as car rental and hotels.



    I think that's what we concluded. Thanks.
    Make £2026 in 2026
    Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77,  Zopa CB £30, Misc £10.11,
    Total £629.02  31%

    Make £2025 in 2025  Total £2241.23/£2025 110.7%
    Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10

    Make £2024 in 2024 Total £1410 70%
    Make £2023 in 2023 Total: £2606.33 128.8%


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