Planning a trip? The Post Office Travel Credit Card is the perfect travel companion
0% foreign transaction fees on purchases abroad
0% interest on purchases for 6 months to spread the cost
No cash advance fees when you buy Post Office Travel Money1
Post Office Ltd (credit broker). Capital One (exclusive lender).
Get more from your Post Office Travel Credit Card wherever you take it:
Here are just some reasons:
0% on purchases for 6 months
Spread the cost of purchases with 0% interest for 6 months
No foreign transaction fees
Buy something abroad, even from the UK, and we won’t charge you a foreign transaction fee2
No cash advance fee
When you buy Post Office Travel Money with your Post Office Travel Credit Card. Cash advance fees still apply elsewhere1
Find out if you’re eligible for our Post Office Travel Credit Card with QuickCheck.
See if our Post Office Credit Card could suit you and check your eligibility
Get our best exchange rates online on over 60 currencies. Order online and collect from your nearest branch or choose home delivery
Go cashless with our Travel Money Card. Load up to 22 currencies, pay with contactless and manage everything with our app. Travel made simple and secure
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.
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.
You can use your credit card anywhere that accepts Mastercard® (providing you’ve got an eligible card).
If you buy something in a foreign currency, the Mastercard exchange rate will apply. But we won’t charge foreign transaction fees on top (sometimes called non-sterling transaction fees).
You can also buy Post Office Travel Money with zero cash advance fees. But you’ll still be charged a 3% cash advance if you withdraw money or buy foreign currency anywhere else using your card.
It depends on which card you use.
Post Office Travel Credit Card
No. You won’t pay a fee when you spend in a foreign currency. This also applies to online or phone payments made from the UK.
Your purchase is converted at the Mastercard exchange rate, with no extra foreign transaction fees.
Post Office Credit Card
Yes. A 2.99% foreign currency fee applies.
Before you pay, check which card you’re using.
When high living costs hit people’s pockets, it can be tempting to spend more on your credit cards. But it’s all too easy to slip into debt if you don’t manage your repayments.
Understanding and managing your credit score can help you make sounder financial decisions and increase your chances of getting a credit card, personal loan and even better interest rates. Here's our rundown of what you need to know.
Find out the steps involved in getting the right card for you, what you’ll need to apply and how to check if you’re eligible first without affecting your credit score.
Credit cards can be an easy and convenient way to spread the cost of a one-off purchase or for everyday expenses like online shopping or groceries.
The annual percentage rate (APR) is the cost of borrowing money over a year. You’ll see an APR quoted for all kinds of borrowing, including credit cards, mortgages and personal loans.
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.
1Post Office Travel Money purchased online or in-branch only. You will still be charged a 3% cash advance fee when you withdraw money or buy foreign currency with your credit card anywhere else.
2 Purchases in foreign currency will be exchanged at the Mastercard exchange rate with zero additional foreign transaction fees (sometimes referred to as non-sterling transaction fees).