Post Office Credit Card
APR from 19.9%-34.9%, £8,000 credit limit, up to 12 months 0% on purchases/balance transfers. Fast eligibility check. Apply in minutes.
The Post Office Credit Card is an appealing choice for those seeking flexibility with credit. Offering a variable APR between 19.9% and 34.9%, your personal rate will depend on your circumstances. Applicants could enjoy a credit limit of up to £8,000, giving ample room for bigger purchases or balance transfers. There are even introductory 0% offers for up to 12 months on purchases or balance transfers, making it easier to manage costs.
Applying is refreshingly straightforward. Start by using the QuickCheck eligibility tool—this won’t impact your credit score and gives a decision in just 60 seconds. If eligible, you’ll proceed to complete the standard online application, providing personal details, addresses from the past two years, and financial information, including existing cards for balance transfers if needed. On approval, you can access a virtual card instantly after ID verification.
Key Advantages
First, the introductory 0% period is valuable for those needing to pay off purchases or existing card balances with no interest—potentially saving you money each month. The card also offers a high potential credit limit, giving flexibility for both planned and unexpected expenses. Customer support is available via several channels for added peace of mind.
Drawbacks to Consider
The highest APR, at 34.9%, may be costly if you don’t qualify for the lower end of the range. Additionally, the attractive 0% offer only lasts up to 12 months; after that, standard interest rates apply, so plan repayments carefully. There is a 2.9% transfer fee for balance transfers, which should be factored into your calculations.
Our Verdict
The Post Office Credit Card combines solid introductory offers with generous credit limits, making it suitable for balance transfers or spreading the cost of purchases. While the highest APR is less competitive, those eligible for the lower rate and who pay off balances within the 0% period will benefit most. It’s a strong, straightforward card if you need flexibility and clarity during your credit journey.