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Post Office: Credit card reviews

Name: Credit card
Rating: 2.24 (112 reviews)

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2.30

Based on 112 reviews, last reviewed 20th Feb 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

21%

60%

Latest highest rating:

5

Cap1 manage the card very well. Cap1 manage the card very well. The app is very useful and I had no issues obtaining the credit limit I needed. Reviewed on: 20th February 2026

Latest lowest rating:

1

Post Office Credit card con Applied for a post office credit card, stated I would get interest free for 6 months on balance transfer, Just got my first statement from capital one... Read more Reviewed on: 20th February 2026

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About this product

Capital One is the exclusive lender and issuer of all new Post Office credit cards, for which Post Office acts as credit broker.

With a Post Office credit card, you may be eligible for interest free balance transfers and the ability to spread the cost of purchases at 0% interest.

Post Office credit card reviews help you find out what it’s really like to be a customer. If you’ve used Post Office before, you can also leave a review and share your experience.

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Post Office Credit card reviews (112)

Post Office Credit card con

Applied for a post office credit card, stated I would get interest free for 6 months on balance transfer, Just got my first statement from capital one and they charged me over £20 interest, besides a transfer fee of almost £40 (which was not the problem). Spoke to capital one, they stated the card is not eligible for interest free period. Why would one transfer a balance, pay a transfer fee and the interest, which is more than the interest on the card I transferred from. It’s now gone for a dispute resolution. To be honest the post office is still offering interest free on balance transfers for upto 12 months, but it appears capital one have not been told of this promotion. I feel I’ve been scammed and will endeavour to clear it very soon and then close the account. The post office should be ashamed, of what they are doing. How many other people have been scammed in this way and just accepted it, due to their financial situation. Reviewed on: 20th February 2026

Cap1 manage the card very well.

Cap1 manage the card very well. The app is very useful and I had no issues obtaining the credit limit I needed. Reviewed on: 20th February 2026

Credit card put into credit!!

Their credit card cannot be linked to my Apple Pay wallet. The physical card has to be used. Feels very 1970’s. Because I pay by DD they always take a payment and occasionally put my credit card into credit - who the hell does that! Reviewed on: 8th November 2025

Trustworthy

Post Office credit card gave me a chance to build my credit when others wouldn’t. The application was quick, and I was approved with a sensible limit that increased over time. The app is really handy – I can check my balance, get alerts, and make payments easily. I’ve found everything to be clear and transparent, with helpful reminders so I never miss a payment. It’s helped me take control of my finances and improve my credit score. While it doesn’t come with flashy perks, it does exactly what I needed: a reliable card to rebuild my credit. I’d recommend it to anyone starting out or rebuilding their credit history. Reviewed on: 4th August 2025

App is easy to navigate, good customer service , pro...

App is easy to navigate, good customer service , prompt with response snd professional Reviewed on: 15th July 2025

Excellent services

I got the card a month ago. They provide excellent services, discounts on bus as well. Reviewed on: 15th June 2025

Unable to open any account with them

Unable to open any account with them Reviewed on: 23rd April 2025

Very helpful and efficient also available 24 hours a...

Very helpful and efficient also available 24 hours a day Reviewed on: 19th April 2025

Customer service is so bad trying to change address...

Customer service is so bad trying to change address no email, no phone,you have to do it by post & royal mail are so bad at getting post delivered Reviewed on: 9th October 2024

Very easy to communicate with and an easy to use...

Very easy to communicate with and an easy to use app Reviewed on: 23rd August 2024

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