Guide to Post Office credit cards
Post Office credit cards are provided by Capital One, 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.
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