Variable APR range between 19.9% and 34.9%, depending on your personal circumstances
Get up to an £8,000 credit limit
You may be eligible for 0% on purchases or balance transfers for up to 12 months (2.9% transfer fee)1
Check you’re eligible without affecting your credit score
Post Office Ltd. (credit broker). Capital One (exclusive lender.)
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
Here are just some of the reasons to apply:
Interest free balance transfers
You may be eligible for 0% on balance transfers for up to 12 months (2.9% transfer fee)1
Spread the cost interest free
Get up to an £8,000 credit limit and spread the cost of purchases at 0% for up to 12 months1
Instant access
Get your virtual card as soon as you’re approved2
No cash advance fee
When you buy Post Office Travel Money with your Post Office Credit Card
Up to 55 days’ interest-free credit
When you pay your balance in full and on time each month
We’ve got your back
Customer support on web, app and phone
As ranked by Fairer Finance in 2025
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.
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.
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.
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.
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.
1 Fees and terms are subject to your individual circumstances and may differ from those displayed
2 To gain Instant Access to your card details, after approval you'll need to follow the instructions to complete some required ID checks