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Post Office Credit Card review: build credit and confidence

Check out the Post Office Credit Card review to find out if this card would suit your budget, needs, and objectives. The card may offer you a 0% introductory period for balance transfers and purchases.

Post Office Credit Card: boost your credit rating

Learn how to build your credit score with the help of a Post Office credit card. Source: The Mister Finance.
Learn how to build your credit score with the help of a Post Office credit card. Source: The Mister Finance.

This Post Office Credit Card review will show you how this card works and the details about the offers the bank may offer you.

Post Office Credit Card

How to apply for the Post Office Credit Card?

Check out how to apply for the Post Office Credit Card and enjoy the possibility of getting a 0% intro interest rate for up to twelve months.

In summary, you can get a 0% introductory period for balance transfers and purchases for up to 12 months.

Credit ScoreNot disclosed
APR19.9% to 34.9% (variable)
Annual FeeFees are subject to your individual circumstances
FeesCash advance fee: £3 or 3% of the value of each transaction;
Other fees are subject to your individual circumstances
Welcome bonusNone
RewardsNone

On the contrary, other fees may apply depending on your individual circumstances. 

How does the Post Office Credit Card work?

Post Office Credit Card is issued by Capital One. It is a Mastercard, which means you will get global acceptance when being approved for one.

Essentially, this card suits those who want to access a good credit limit and build credit ratings.

Of course, you must stay in control of your debt and maintain your account in good standing in order to establish good creditworthiness.

Also, the card gives you from £200 to £8,000. Even though the APRs vary from 19.9% to 34.9%, you may get an introductory offer of 0% interest for purchases or balance transfers.

In summary, fees, rates, and terms will vary according to your individual circumstances.

Additionally, Post Office features a QuickCheck, an easy and fast platform for you to check your eligibility for free within a few seconds.

The process doesn’t impact your credit score, and it is 100% safe.

Post Office Credit Card benefits

Use this card for everyday purchases. Source: Freepik.
Use this card for everyday purchases. Source: Freepik.

As mentioned before in this Post Office Credit Card review, Capital One features a card for those who want to build credit and need to access an affordable credit solution with global acceptance.

However, it is important to note that APRs are quite high. So, maintaining your account in good standing is essential to make this card a valuable credit builder tool.

Pros

  • You may get introductory offers of 0% interest on purchases or balances transfers for up to 12 months;
  • Credit limits range from £200 to £8,000;
  • It is a Mastercard, which means you will get global acceptance;
  • It features an amazing app with good customer service.

Cons

  • Introductory offers, fees, and other terms vary according to individual evaluations;
  • The card doesn’t offer rewards or bonuses. 

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

This credit card offers the possibility of building credit, so you don’t need to have a perfect credit score to apply for it.

Plus, you can check your eligibility before proceeding with an application.  

How to apply for a Post Office Credit Card?

Now, learn how to apply for the Post Office Credit Card to get a good offer for you!

Post Office Credit Card

How to apply for the Post Office Credit Card?

Check out how to apply for the Post Office Credit Card and enjoy the possibility of getting a 0% intro interest rate for up to twelve months.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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