The Post Office Credit Card caters to a broad range of customers, offering flexibility with APRs from 19.9% to 34.9% (variable), and credit limits stretching from £200 up to £8,000. Aside from its appealing introductory 0% offers on purchases and balance transfers (subject to a 2.9% fee), applicants can check if they’re eligible without impacting their credit score. Decisions are made in as little as 60 seconds, making this card a practical choice for those seeking transparency and speed.

How to Apply: Step by Step

First, use the eligibility checker on the provider’s website to see if you qualify without any effect on your credit score. Next, gather essential details like your last two years’ addresses and your employment information. Fill out the online application form and submit your information. If eligible, you’ll receive an almost instant decision. Accepted applicants usually get their PIN first, then the card within 7-10 working days.

Main Pros

This credit card stands out for its 0% interest offers for up to 12 months on both purchases and balance transfers. Another key benefit is the rapid eligibility decision and application process, which greatly streamlines acceptance, especially for applicants who value speed and efficiency.

Main Cons

The standard variable APR can range on the higher side for those with weaker credit histories, reducing overall card appeal for some users. Additionally, while 0% offers and balance transfers are valuable, the 2.9% transfer fee may add up for larger balances, so compare with alternatives if you intend significant transfers.

Our Verdict

For applicants seeking a reliable, well-backed credit card with strong support and fast decisions, the Post Office Credit Card is attractive. Its focus on up-front eligibility, competitive promotional rates, and generous credit limits makes it a worthy contender—provided you qualify for one of the better APRs on offer.