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Credit Cards

There are tons of reasons to get a credit card, from spreading the cost of a purchase to rebuilding your credit rating. Using the Post Office Classic Credit Card responsibly could boost your credit rating, providing you make your payments on time and remain under your credit limit. Not doing so could harm it.

Capital One is the exclusive lender and issuer of all new Post Office Credit Cards, for which Post Office acts as credit broker.

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Why should I apply for a Post Office Credit Card?

  • You may be eligible for 0% on balance transfers for up to 18 months (2.9% transfer fee)**
  • Globally accepted in over 70 million Mastercard locations
  • Shop online securely and with confidence
  • 24/7 customer support – on the web, app and phone

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Compare our credit cards

We know that everyone’s needs are different, but we also know that too much choice can be confusing. So we’ve got two credit cards to give you flexibility: the Classic Credit Card and the Travel Credit Card. You can compare them below:

Classic Credit Card

classic credit card
  • 19.9% to 34.9% (variable) range of APR depending on individual circumstances
  • £200 - £8,000 credit limit
  • You may be eligible for 0% on purchases for up to 12 months**
  • You may be eligible for 0% on balance transfers for up to 18 months (2.9% transfer fee)**
  • 34.9% APR representative variable

Travel Credit Card

travel credit card
  • 19.9% to 24.9% (variable) range of APR depending on individual circumstances
  • £500 - £6,000 credit limit
  • Globally accepted in over 70 million Mastercard® locations, online and offline
  • No foreign exchange fees when you spend abroad*
  • 24.9% APR representative variable

QuickCheck – Our credit card eligibility checker

Find out if you’re eligible for one of our Credit Cards using QuickCheck. Share some details with us and we will identify the best Post Office Credit Card for you.

Safe

Won’t affect your credit score

Decision

60 second response

Sure

100% certainty before you apply


Already have a Post Office Credit Card?

If you've got one of our cards, you can log into your online portal and perform loads of tasks, like checking your balance, credit limit, recent transactions and more.

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Credit Card FAQs

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Are you eligible for a Post Office Credit Card?

Check now

See if you’ll be accepted before you apply

Small print

Mastercard® and the Mastercard Symbol are registered trademarks of Mastercard International Incorporated.

Capital One® is a registered trademark of Capital One. Post Office Limited is an appointed representative of Capital One (Europe) Plc which is authorised and regulated by the Financial Conduct Authority. Capital One (Europe) Plc Registered Office: Trent House, Station Street, Nottingham NG2 3HX. Registered in England and Wales (No. 3879023). VAT Registration Number 690686101.

Capital One is the exclusive lender and issuer of all new Post Office Credit Cards, for which Post Office acts as credit broker. Post Office Limited is registered in England and Wales (No. 2154540). Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.”

 

*We don’t charge a non-Sterling transaction fee when you spend abroad. Cash withdrawal fees will apply.
 

**Fees and terms are subject to your individual circumstances and may differ from those displayed.