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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.



Won’t affect your credit score

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60 second response

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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

What is credit?

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.

What is a credit limit?

A credit limit is the maximum amount that you can owe on a credit card. Your spending (including balance transfers and cash withdrawals) and any charges, interest or fees that are added must not exceed this credit limit. If it does, you may be charged an overlimit fee.

What is QuickCheck?

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.

What do I need to apply for a credit card?

In order to apply for a credit card, you 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.

How long does it take to receive my card?

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

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

What happens when I have completed my application?

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.

How do I service my credit card?

You can register to view your card and your Credit Card status online. Once you’ve got your credit card, you can set up your online servicing very simply. Just follow this link.

  • Check your balance
  • Check your credit limit
  • Check what you’ve got to spend
  • Check when you need to make payments by
  • Check answers to commonly-asked questions
  • And if we don’t have the answer, or you need to chat to us about anything else, we’ve got secure, one-to-one messaging

If you’re not near a computer, you could download our app – providing the same services from your smartphone or tablet.

How do I cancel my credit card?

You won’t be able to cancel your card using your online servicing account or our app as we need to run through a few details.

So if you want to close your account, please give us a call and we’ll take you through all the steps.

How does the Credit Card app work?

Our app is available on iOS and Android and you can download it from their respective app stores. You’ll get a 6-digit passcode that you need to enter to log in. Once you’ve done so, you can do the following:

  • Check your balance
  • Check your credit limit
  • Check what you’ve been spending (recent transactions)
  • Check what’s due to Post Office and when
  • Make a payment to your credit card
  • And a range of other services can also be accessed via the app

How do cash advance fees work?

When you take a cash out of a hole in the wall, there’s a fee of £3 or 3% of the value of the withdrawal (whichever is the larger sum). Once the withdrawal appears on your account, we’ll charge you interest at your cash rate.


Cash advance fees are not limited to cash withdrawals at cashpoints. Cash advance fees also apply to other transactions such as gambling websites, buying foreign currency at a bureau the change and cash withdrawals when abroad.

Credit cards and cash can seem a little complex, so it’s important to read the terms and conditions of your credit agreement very closely

I’ve forgotten my PIN. What should I do?

If you’ve got the credit card app, you can get a reminder of your PIN. You’ll need to enter the CVV code from the back of your card – so it’s a good idea to memorise this too!

If you don’t have the app or want to contact us directly, you can send us a secure message on your Online Servicing and we’ll send a reminder by post. This will take 3-5 business days – so if you need your PIN in a hurry, the quickest way of getting a reminder is to install the app.

Where can I use my card?

Well, in short, almost anywhere. There are 74 million locations worldwide where you can use Mastercard® (providing you’ve got an eligible card) and you can use it online too.

You can also withdraw cash but be aware that there are fees associated with doing so – be sure you understand these before going to a cash point.

What do I do if my card is lost or stolen?

You’ll want to act as soon as you discover that your card has been lost or stolen, and the quickest way to report this is by using the Post Office app. Once you’ve opened it, the ‘My Card’ area will show you the link to follow.

You can also call us. This is also a quick way to report your missing card.

Don’t use the secure messaging service on the app or online portal as it can take our customer service representatives as long as 2 working days to respond.

What is onetime Passcode?

A one-time password is a security measure to ensure it’s definitely you that’s making a transaction. We’ll send you a text or give you an automated call to give you a unique code to use.

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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.