Apply for a Post Office Credit Card in the UK
Editor, Credit Cards: Michelle Blackmore
Last Updated: August 27, 2025
In This Article
The Post Office Credit Card UK, issued by Capital One, is a popular choice among UK consumers. This guide covers everything you need to know, from how the card works to its requirements, benefits, and how to apply.
How does the Post Office Credit Card UK work?
This credit card is designed to provide convenience for everyday spending and financial management. It operates like most standard credit cards:
- Everyday Purchases Use the card for in-store or online transactions or spreading payments over time.
- Balance Transfers: Transfer balances from other cards to potentially benefit from lower interest rates.
- Interest-Free Periods: Enjoy up to 56 days of interest-free credit on purchases if the full balance is repaid each month.
Payments are flexible, with options to pay the full balance or minimum payment by the due date. Additional fees may apply for cash advances or late payments.
What are the requirements to apply?
To apply, you’ll need to meet the following eligibility criteria:
- Be at least 18 years old.
- Be a UK resident with a permanent address.
- Have a regular source of income.
- Possess a good credit history with no recent defaults or bankruptcies.
You’ll also need to provide proof of identity (e.g., passport or driver’s license) and address (e.g., utility bill or bank statement).
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Is the Post Office Credit Card a travel card?
The Post Office Credit Card is not specifically a travel card, but the Post Office offers a Travel Money Card, which is designed for international use. The Travel Money Card is a prepaid card that allows you to load multiple currencies, making it a convenient option for overseas spending.
Key features of the Travel Money Card include:
- No fees on foreign transactions when spending in a supported currency.
- The ability to load up to 23 currencies, including Euros, US Dollars, and more.
- Locking in exchange rates when you load money onto the card, protecting you from currency fluctuations.
- Easy reloading through the Post Office app or website.
What are the Post Office Credit Card benefits?
The card provides a range of features, including:
- Balance Transfer Offers: Competitive rates for transferring balances from other cards.
- Interest-Free Periods: Up to 56 days on purchases when you pay in full.
- Convenient Management: Online and mobile banking for easy account monitoring and payments.
- Flexibility: Choose repayment amounts to suit your financial situation. Terms apply so read these carefully.
Is a Post Office Credit Card good for bad credit?
This card is a flexible option for individuals seeking a credit card for bad credit or those with no credit history. It caters to a wide range of credit profiles, from those rebuilding their credit to individuals with strong credit scores. The representative APR ranges from 19.9% to 34.9%, with the rate you’re offered depending on your creditworthiness. This makes it a potential choice for those looking to improve or establish their credit.
How do I apply for a Post Office Credit Card in the UK?
Applying is straightforward. Follow these steps:
- Check Eligibility: Use an online eligibility checker to see if you qualify without affecting your credit score
- Complete the Application: Fill out the application, providing personal, financial, and employment details.
- Submit Supporting Documents: Provide proof of identity and address, if requested.
- Await Approval: The application is reviewed, and you’ll typically receive a decision within a few days.
If approved, your card will usually be delivered by post along with activation instructions.
Can I use the Post Office credit card abroad?
Yes, you can use the Post Office Credit Card abroad, but it charges fees on non-sterling transactions. If you travel frequently, you might benefit more from a travel credit card designed specifically for international use, offering features like no foreign transaction fees or additional travel perks.
It’s important to note that cash withdrawals abroad may also incur additional fees and interest. For a more cost-effective option, the Post Office offers a Travel Money Card, a prepaid card designed for overseas spending with no transaction fees in supported currencies.
Compare both options to decide which best suits your travel needs.
What is the credit card limit?
Credit limits typically range from £200 to £8,000. The exact limit is tailored to each applicant and depends on several factors, including:
- Income level
- Credit history
- Existing financial obligations
Your specific credit limit will be determined during the application process and communicated to you upon approval.
What is the APR?
The Annual Percentage Rate (APR) for the Post Office Credit Card is currently advertised as 34.9% APR (variable). This assumes a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable). Most accepted customers will receive this representative rate, but your exact rate may vary depending on your creditworthiness.
Balance transfer rates and promotional offers can also differ, so it’s important to review the latest terms and conditions provided during your application to fully understand the costs associated with the card.
Can I use it as a balance transfer credit card?
Yes, the Post Office credit card offers balance transfer options, allowing you to consolidate existing credit card debts. Balance transfer promotions may include 0% interest for an introductory period, subject to a transfer fee. Always review the terms before proceeding.
Conclusion: Should you apply for a Post Office Credit Card?
The Post Office Credit Card UK provides practical features for managing everyday spending and consolidating balances. Its flexibility and balance transfer options may make it a good fit for individuals seeking a straightforward credit card. However, it’s essential to carefully review the card’s terms, including its interest rates and fees, to ensure it meets your financial needs. Comparing UK credit cards can help you determine if it’s the best option for you.