Post Office Credit Cards

When it comes to credit cards, the Post Office offers its Platinum card which is one of the best for overseas use. This is because it charges 0% in foreign exchange fees and also makes no charge for cash advances made on the card from any Post Office branch. The Platinum card also offers 0% interest on balances transfers for 22 months for a 0% fee, and 0% on purchases for three months. After that, the card has a representative APR of 17.8% (variable).

Compare Post Office Credit Cards - Sorted by APR

  1. Great for
    0% interest on purchases for 27 months
    0% interest on balance transfers for 16 months - 2.98% fee applies
    But be aware that
    You must make a transaction within 3 months of account opening to qualify for 0% on purchases for the first 27 months otherwise 0% will apply for the first 16 months
    You must earn over £8,000 a year and must not currently hold another Post Office Card
    The APR is dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  2. Great for
    0% interest on balance transfers for 37 months
    2.98% Balance Transfer Fee applies, but is reduced to 2.49% by a refund within 90 days of the balance transfer transaction date
    No cash fee to buy travel money at the Post Office
    But be aware that
    You must earn over £8,000 a year
    The APR and length of the promotional offer are dependent on your personal circumstances
    Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Guide to Post Office credit cards

Post Office credit cards are provided by Bank of Ireland UK, as Post Office Limited is a credit broker and not a lender.

A range of cards is available, including balance transfer cards and cards for purchases. Some Post Office cards are often popular with people planning on using their cards overseas, as they don’t charge fees on purchases you make when you are abroad.

You can your manage Post Office cards on the go using the Post Office’s credit card mobile app.

You will not qualify for a card if you already hold a Post Office credit card or if you have been declined for the card in the last six months.

Post Office credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.


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