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Post Office credit card

Post Office 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 12 months (2.9% transfer fee)* 

Representative example

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable 

Why should I apply for a Post Office Credit Card?

Just some of the reasons to get a Post Office Credit Card:

Interest free balance transfers

You may be eligible for 0% on balance transfers for up to 12 months (2.9% transfer fee)*

Spread the cost interest free

Get up to £8000 credit limit* and spread the cost of purchases at 0% for up to 12 months*

We’ve got your back

Customer support – on the web, app and phone

Illustration of a hand holding a mobile device with screen facing us with a credit card on screen

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 

  • Won’t affect your credit score

  • Get a decision in 60 seconds

  • Be certain you’ll be accepted before you apply

Existing customers

If you've already got one of our cards, you can log into your online portal to check your balance, credit limit and recent transactions

Common credit card questions

  • Well, to put it simply, credit is an arrangement where you buy goods or services now but you agree to pay later. Credit comes in many different shapes and sizes including mortgages, loans, overdrafts and credit cards. In most cases, you'll have to pay an agreed amount back every month with interest. Whatever credit you choose, it's important to keep up with your monthly repayments.

    Our credit card could help you build your credit score. As long as you always make your monthly payments on time and stay within your credit limit your credit score will improve. Not doing so could harm it.

  • A balance transfer credit card lets you move an existing balance from one credit card to another. They usually come with lower interest rates than regular credit cards, and can offer 0% interest for a fixed number of months when you first get the card.

    Our credit card can be a way to make a balance transfer and can help you save money and pay your balance off sooner, because a lower interest rate means you’ll pay back more of what you actually owe. Especially if you can pay off your balance before the 0% interest offer ends.

    Just make sure to always pay at least the minimum payment each month to keep your account up to date. And if you can pay more than the minimum, that’s even better as it’ll help you clear your balance quicker. But lenders need to know that you’ll repay what you owe in a way that you can afford.

  • QuickCheck is a free and easy-to-use tool to check your eligibility for a credit card before you apply. You answer a few questions and then, within 60 seconds, you’ll get a guaranteed ‘yes’ or ‘no’ before you apply. This is a great way to find out whether you can get credit without impacting your credit rating, as it uses what’s known as a ‘soft search check’ and can’t be seen on your credit report by anyone other than you and the credit reference agency who provide your score. So it won’t be visible to any other lenders or anyone else you’re applying to. 

  • In order to apply for a Post Office Credit Card, you need to be at least 18 years old and live in the UK. You will also need to have a few bits of information to hand. This will include your addresses for the previous two years, details about your employment and income, and any other credit cards you have if you want to transfer your balance. Find out more about applying for a credit card.

  • From the date you are accepted it will take between 7-10 working days before you’ll have your credit card.

    Your PIN will arrive first and separately from your credit card.

  • If you’ve been accepted straight away then we’ll tell you that. The same goes if you’ve been declined. But some applications take longer to consider and, in those cases, we’ll be in touch within 7-10 business days with details.

  • Read all credit card FAQs

Need some help?

Credit cards help and support

Find answers to common questions about credit cards, and details of how to manage your account online:

Visit our credit cards support page

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: 100 Wood Street, London EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

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