Post Office credit card review
What do Post Office credit cards offer?
Post Office offers the Classic Credit Card, with credit provided by Capital One.
The Classic Credit Card offers 0% on balance transfers (with a 2.9% transfer fee) and purchases for up to 12 months, and can help you build your credit rating.
You'll be given a credit limit between £200 and £8,000, and the APR you get will depend on your circumstances, ranging from 19.9% to 34.9% (variable).
How does Post Office compare with other providers?
The Post Office managed a customer score of 67% in our latest credit card provider customer satisfaction survey. This was slightly better than average and meant it came joint 18th out of 31 providers, alongside Bank of Scotland and First Direct.
- Find out more: visit our best credit card providers guide to read the full survey results and compare the Post Office's customer score with other companies
Is Post Office a good credit card provider?
Our survey also reveals how Post Office customers rated it across five categories:
| Customer satisfaction category | Post Office star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Post Office to find out more about our research.
Your Post Office credit card questions answered
Grace, our credit card expert, answers the top questions people have about Post Office credit cards.
Does the Post Office offer an eligibility check?
Yes. The Post Office offers a tool called QuickCheck, which can tell you if you're eligible for a card before you apply.
The tool does a 'soft search' of your credit file, so it won't impact your credit score.
Can you use a Post Office credit card abroad?
Post Office credit cards are issued under the Mastercard network, so are accepted at millions of places in the UK and abroad.
However, you may want to avoid using a Post Office credit card abroad as it will typically charge foreign transaction fees.
How can you cancel a Post Office credit card?
You will need to call the Post Office if you wish to cancel your card.
How we review the Post Office
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.