Post Office Money® Classic Credit Card

3.8

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

0% for up to 12 months, then 34.94% (variable) p.a.

Balance Transfers

0% for 12 months, then 34.94% (variable) p.a. (2.90% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.8

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

The Post Office Money® Classic credit card offers an APR of 34.95% variable and provides 0% interest on purchases and balance transfers for up to 12 months. It may be suitable for individuals seeking an introductory interest free period to manage spending and existing debt.

Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

Issuer	Post Office Money®
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	You may be eligible for 0% on purchases and balance transfers for up to 12 months (2.9% transfer fee)
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£0
Purchases	0% for up to 12 months, then 34.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 12 months, then 34.94% (variable) p.a. (2.90% fee)
Balance Transfer Fee	2.90%
Cash Advances	34.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 200.00
Maximum Credit Limit	Subject To Status: £8,000

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	2.75%
Foreign Usage World	2.75%