Write a review

Post Office: Credit card reviews

Name: Credit card
Rating: 2.24 (109 reviews)

View other Post Office products

2.38

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)

Great service!

Customer service excellent. Always able to talk to someone straight away and customer service agents are very helpful. Reviewed on: 13th March 2022

Just great

Very easy to apply and fast acceptance. Highly recommended. Took a huge weight from my shoulders Reviewed on: 11th March 2022

So quick and easy

Got a decision very quickly with a sensible credit limit and got the card in days. I was very impressed with the service Reviewed on: 11th March 2022

Easy application

Very happy using post offices credit card Reviewed on: 11th March 2022

Great card

It's quick and simple to use and will definitely stick to it Reviewed on: 11th March 2022

Great credit card

Excellent customer service, good quick contact with customer services when scam suspected instant action to protect your card account. Reviewed on: 31st December 2021

Not up to date enough. Confusing.

Got accepted for a 0% 200 limit. Didn't advise me it's a £3 charge for cash withdrawals. Balances don't update for 2 days causing confusion. Available does not reflect spent amounts. So confusing. Reviewed on: 14th November 2021

Easy to join and great customer communication

Joining was a surprisingly smooth process, they offer a lot of financial advice and send you interesting content. They upped my limit within a few months of me using the service in a responsible manner. I had two credit cards with two other credit companies prior to having the Post Office Credit Card and I never got any communication from them nor did I get a higher credit limit, only messages I would receive were text messages to remind me of when payments were due so I simply cancelled those services. Post Office - team are personable and it feels like they like to engage and really care about your customers. Reviewed on: 15th June 2021

Mis lead with 0% Interest on purchases

I took out a Post office credit advertised as 0% interest on purchases, However the card is operated by Capita One, I foolishly didn't check the first couple of statements closely but I was charged interest! Paid the thing off immediately and complained , Capital One say I was never offered 0% on purchases , however that is the only reason I took the card out, BUNCH OFF RIP OFF CROOKS!! Reviewed on: 31st January 2021

Interest Free OFFer : Rip OFF!!

Beware! I was offered 0% on purchases from Post office Credits card Last August. Took the card out and started using in September. I foolishly didn't check the online statements until today (January) as monthly direct debit had been going out with minimum payment, Its through Capital One and they have been charging interest on purchases! Apparently Post office OFFRERED the 0% on purchases , but it didn't go through on the card, What A total Rip off. Just cleared the account in Full, but an unneccesry 3 months of interest n there. Check statements every month . Will never trust Capital one or Post Office ever again, The misleading offer has tucked me up good and proper! Reviewed on: 25th January 2021

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

British Airways credit card
from American Express 4.19 from 81 reviews
Clarity credit card
from Halifax 4.12 from 261 reviews
Credit card
from Nationwide 4.09 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