Halifax Clarity Reward Credit Card - £5 back when spending £300 a month
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Halifax Clarity Reward Credit Card - £5 back when spending £300 a month

101
Found 2nd Apr 2015
Seeing as it seems Capital One (and Luma) are stopping cashback from next month on their credit cards, it seems worth it to remind everyone of this product.

For people who have a Halifax Reward account and are getting their free £5s each month, spending £300 in a month on a Clarity credit card (and pay it off in full to avoid interest!) gets a £5 reward on the card account.

This means an essential return of 1.7% on the spend.

Note: this used to be two seperate products, the Clarity Reward vs Clarity standard, now it's just one product, and the reward should automatically activate for current account holders.

11.2 - To be eligible for the reward set out in condition 11.1, you must, at the time you enter into this agreement:-

(a) hold a Halifax current account and pay in £1,000 or more each month;
(b) use our switching service to move your current account to a Halifax Current Account and agree to pay in £1,000 or more each month;
(c) open or hold a Halifax Ultimate Reward Current Account.
- siddhant4u

101 Comments

So do you need a current account to get this? I have a Clarity card but no current account.

I have a capital one cashback card I have had no information from them that the cashback is stopping where did you find this info please.

Do you have a link to this information ? Can't see it mentioned on the Halifax website.

Searcher2

So do you need a current account to get this? I have a Clarity card but … So do you need a current account to get this? I have a Clarity card but no current account.



I don't believe so. As the £5 gets applied to the next months statement.

Is there a limit to the amount of cheddar I can purchase per month. Or can I spend the full £300 on pre-sliced packs?

A good deal with tailored bonus rewards like 10% off at Morrisons; as well as great for using on holiday.
(I have made just under £40 in bonus credits).
A few conditions though.
halifax.co.uk/cre…rd/

I have a Capital One Luma cashback card and have had no notifications that it is stopping.... - Are you sure this is correct ?

thanks op you are right about the end of may capital one cashback is stopping and the cashback you have earned will be payed out in june.this is what the capital one call centre told me today.

DarrylJohn

I don't believe so. As the £5 gets applied to the next months statement.



It clearly states you must have a rewards or ultimate rewards current account to qualify.... I can't actually find a link to apply for a "reward" clarity card on the Halifax site though... anyone else?

"...open or hold a Halifax Ultimate Reward Current Account."

So you need their £15 a month current account to qualify.
Edited by: "dt_matthews" 2nd Apr 2015

allan1954

I have a capital one cashback card I have had no information from them … I have a capital one cashback card I have had no information from them that the cashback is stopping where did you find this info please.



happymanuk

I have a Capital One Luma cashback card and have had no notifications … I have a Capital One Luma cashback card and have had no notifications that it is stopping.... - Are you sure this is correct ?




same ? where did you get your info from, I can't find any info ?????????

Capital One just sending out letters now as got mine yesterday

I've got a standard reward current account and a clarity card and receive the £5 a month for spending £300 on the card

grother

I've got a standard reward current account and a clarity card and receive … I've got a standard reward current account and a clarity card and receive the £5 a month for spending £300 on the card


Thats very lucky then given their T&C's
Edited by: "dt_matthews" 2nd Apr 2015

had this card for 5 years.
free cash withdrawals abroad too. you just pay i think 12% apr. so if DD setup like i have you pay <1%. you get better exchange rate as well .

allan1954

I have a capital one cashback card I have had no information from them … I have a capital one cashback card I have had no information from them that the cashback is stopping where did you find this info please.

happymanuk

I have a Capital One Luma cashback card and have had no notifications … I have a Capital One Luma cashback card and have had no notifications that it is stopping.... - Are you sure this is correct ?

and me also no notification of no cash back although if you look on there website you can't get the cash back card but what about existing customers

carlo4

Capital One just sending out letters now as got mine yesterday

what does the letter say and when does it stop from?

just to make sure I'm understanding this correctly. I'd get £5 for my reward current account and £5 for the rewards clarity credit card, totalling £10 a month? or just the £5? Thank you.

adhkarzf

just to make sure I'm understanding this correctly. I'd get £5 for my … just to make sure I'm understanding this correctly. I'd get £5 for my reward current account and £5 for the rewards clarity credit card, totalling £10 a month? or just the £5? Thank you.


You DO get £5/month for this card PLUS £5/month for depositing £750/month into the current account, I have 2 x cards (mine & wifey) plus 1 x account which equates to £180 per annum free money.

cliosport65

and me also no notification of no cash back although if you look on there … and me also no notification of no cash back although if you look on there website you can't get the cash back card but what about existing customers

existing customer ending in may what you earned up to may payed out in june bill.

mel1408

You DO get £5/month for this card PLUS £5/month for depositing £750/month … You DO get £5/month for this card PLUS £5/month for depositing £750/month into the current account, I have 2 x cards (mine & wifey) plus 1 x account which equates to £180 per annum free money.

I do not seem to be able to find this offer.



I have just opened a Clarity card by telephone. The clarity card is sometimes referred to as the reward / ultimate but there is only one card----the 'Clarity'. It requires £1,000 p.m. to be paid in rather than the £750 required for the Reward current account. The reward was confirmed at £5 p.m. providing £300 spent in previous month.
Edited by: "brush52" 2nd Apr 2015

I assume you mean the Ultimate Reward Current Account requires £1000 deposit per month?

Original Poster

dt_matthews

I assume you mean the Ultimate Reward Current Account requires £1000 … I assume you mean the Ultimate Reward Current Account requires £1000 deposit per month?


No, there's no deposit requirement to hold an Ultimate, because you pay for it. The free Reward account requires the monthly deposit.

http://i.dailymail.co.uk/i/pix/2011/05/21/article-0-0C300C3C00000578-861_468x339.jpg

allan1954

existing customer ending in may what you earned up to may payed out in … existing customer ending in may what you earned up to may payed out in june bill.



I'd Better find another card then

Santander 123 is much more rewarding if you buy shopping and petrol on it each month then pay it off by dd.

Does anyone have a link to the Clarity Reward credit card?

All I can see is the Clarity credit card...

evostick47

Santander 123 is much more rewarding if you buy shopping and petrol on it … Santander 123 is much more rewarding if you buy shopping and petrol on it each month then pay it off by dd.


Probably not for anyone who buys things online or withdraws cash abroad

I already have a credit card with Halifax. If I apply is this likely to mean I get my application declined?
Edited by: "anewman" 2nd Apr 2015

I get £10 a month for using this with the ultimate reward. So it costs me £5pm for travel & phone insurance. Then the clarity one works well for use abroad aswell.

I have this with a reward account it's great, £5 from both accounts so £10 a month for free!

anewman

Probably not for anyone who buys things online or withdraws cash abroadI … Probably not for anyone who buys things online or withdraws cash abroadI already have a credit card with Halifax. If I apply is this likely to mean I get my application declined?



You can have more than one credit card with Halifax, nice lady told me this when I got my Clarity, they're very helpful on the phone, I'd ring unless there's online cashback to consider.

Hmmm I never knew Capitalone are ditching their cashback! Had that for years too, looks like I wont be using it very much from now on.

I use my Capitalone card to pay for everything just because of the cashback (even the council tax). I also have the Halifax card which is good but being limited to £5 cashback. Incidentally another big perk of the Halifax card is that it's great for travelling, you can take cash out from machines abroad without transaction charges, you only pay the interest which works out cheap if you pay it off when you return to the UK, you get the Mastercard exchange rate which has always been better than exchanging cash anywhere I've been.

happymanuk

I have a Capital One Luma cashback card and have had no notifications … I have a Capital One Luma cashback card and have had no notifications that it is stopping.... - Are you sure this is correct ?



Yep me too, where did you hear it was stopping??

Annoying about the capital one end of cashback I've got a 4% luma card and 1% normal cashback capital one card. I guess I earn about £25 on the 1% card per year and maybe £50 on the 4% card so about £75 in total. I already have this clarity reward card so will just have to switch to it and cancel the capital one cards I guess. Is the £5 automatic or do you have to check with Halifax to ensure its correctly set up?

I'll stick with my 1.25% across all expenditure on my Amex Platinum card.

That'll do nicely, sir.
Edited by: "wingman0401" 2nd Apr 2015

allan1954

I have a capital one cashback card I have had no information from them … I have a capital one cashback card I have had no information from them that the cashback is stopping where did you find this info please.


just received a letter from capitol one to confirm the cashback will end 31.05.2015.

wingman0401

I'll stick with my 1.25% across all expenditure on my Amex Platinum card. … I'll stick with my 1.25% across all expenditure on my Amex Platinum card. That'll do nicely, sir.



Had one of those, in my experience it's not accepted widely enough to be of good use as a day to day credit card.

adam1314

just received a letter from capitol one to confirm the cashback will end … just received a letter from capitol one to confirm the cashback will end 31.05.2015.



Also just rang them to confirm.... yes it will end and they will not have any other products that will have cashback!

Edited by: "madmal" 2nd Apr 2015

Is this the card which also has no fees for using on European/foreign websites?
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