The Post Office Credit Card offers a flexible interest rate ranging from 19.9% to 34.9% APR (variable), making it accessible for many customers. Credit limits can start at £200 and stretch up to £8,000, depending on your individual circumstances.

Applicants may qualify for up to 12 months of 0% interest on purchases, plus 0% for up to 12 months on balance transfers, though balance transfers incur a 2.9% fee. The eligibility checker lets you see if you could be accepted before you apply and without impacting your credit rating.

Step-by-step: How to Apply

• Check your eligibility online without affecting your credit score.
• Complete the simple application form with your details.
• Receive a decision in under 60 seconds in most cases.
• If approved, your PIN will arrive first, followed by your card in 7-10 days.
• Activate your card and start using it for purchases or balance transfers.

Pros of the Post Office Credit Card

The card’s 0% interest offers on both purchases and balance transfers are attractive for managing new spending and consolidating debts efficiently. Flexible credit limits mean it can suit diverse financial situations, and the QuickCheck tool provides reassurance before applying.

Cons of the Post Office Credit Card

The balance transfer comes with a 2.9% fee, which may reduce the benefit for some users. The high maximum APR of 34.9% means rates are not fixed and may be less favourable for applicants with lower credit scores.

Verdict

Overall, the Post Office Credit Card stands out with speed, flexibility and strong introductory offers. It is a competitive choice if you want certainty in your application process and tailored credit limits.