Halifax credit card
Credit cards from Halifax

www.halifax.co.uk

As one of Britain 's biggest banks Halifax enjoys a high profile and a reputation for very competitive saving and credit rates. Halifax offers a range of credit cards with varying rates and benefits and it is well-worth having a careful look at all the options before choosing. Their flagship card is dubbed the Halifax One card and offers one of the lowest APR rates in the marketplace. It also boasts 0% on balance transfers and purchases for nine months. In addition the Halifax One card offers a cash-back scheme and travel accident cover, purchase protection and no annual fee.

For those customers owing large amounts of money owed on other cards Halifax have two Balance Transfer cards. They both offer a higher APR in exchange for a lower rate on transfers and repayments. They deliver a similar range of additional benefits (such as travel cover), although these differ depending on whether you choose the Classic or Platinum cards. Both cards are extremely competitive in terms of APR and represent good value in comparison with other popular cards. All cards can be applied for online, but you'll need to have a reasonably good credit record.

Halifax 's portfolio includes a variety of additional credit card options, which can loosely be divided into three categories: Firstly they offer a series of affinity cards which are tied to other retail companies or interests. These promise cash-back, special offers or a contribution in return for your use of the card. Secondly they offer two charity cards supporting well-known causes. If you take out a card they receive a one-off sum and a percentage of your spending. Lastly their lifestyle range offers you a snazzy looking card, where style defiantly triumphs over financial logic. All of these cards have much higher APR's than their standard cards. In fact, compared with the Halifax One card you might end up paying as much as double.

All in all Halifax offer a good deal with their One and Balance Transfer cards. However, you should weigh up all the variables before signing up for their Affinity , Charity and Lifestyle cards. All of Halifax 's credit cards and other financial products can be managed online with a central Internet account.

 

 

 

 

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