Write a review

Post Office: Credit card reviews

Name: Credit card
Rating: 2.24 (109 reviews)

View other Post Office products

2.40

Based on 109 reviews, last reviewed 4th Aug 2025

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

21%

60%

Latest highest rating:

5

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 ... Read more Reviewed on: 4th August 2025

Latest lowest rating:

1

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

Read all reviews Write a review

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.

Review Post Office: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Post Office Credit card reviews (109)

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

Good notifications, communication, fair

Good notifications, communication, fair interest and easy to apply Reviewed on: 30th May 2024

As a basic credit card it's fine, I am trying to re...

As a basic credit card it's fine, I am trying to re build my credit score and got accepted with a very low limit. Use this and pay it back on time and it's seems fine. No perks or rewards obviously, so as a starter/rebuilding credit card its a good option. Reviewed on: 27th April 2024

Prior to credit card arrival , I tried contacting cu...

Prior to credit card arrival , I tried contacting customer service , what a waste of time !!! No one answers the phone and cuts you off . You never speak to anyone , The post Office and Capital One have the same problem, based on this I wouldn’t recommend to anyone . Reviewed on: 6th April 2024

Do you have a different Post Office product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Platinum Cashback Credit Card
from American Express 4.50 from 69 reviews
Credit Card
from American Express 4.46 from 122 reviews
Credit card
from Nationwide 4.10 from 197 reviews

Want to see more from Post Office?

Pet Insurance
from Post Office 5.00 from 1 reviews
Business Banking
from Post Office 5.00 from 6 reviews
Personal Loan
from Post Office 4.06 from 176 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub