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Post Office: Credit card reviews

Name: Credit card
Rating: 2.23 (110 reviews)

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2.32

Based on 110 reviews, last reviewed 8th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase 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

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... Read more Reviewed on: 8th November 2025

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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.

Post Office Credit card reviews (110)

Review of the Post Office, Credit card:

Corporate greed at its worst

Been a loyal customer for over a decade. Paid every month in full by DD. Booked and paid for return flights UK/Bangkok with card. Flew out on 11th Feb. Fell seriously ill on 17th. Advised to change flight date and return to UK ASAP. Contacted UK agent who demanded an admin fee of £1145 to change the date. Either pay up or stay in Thailand and face the consequences. ‘Blackmail’ at its cleverest, eh? Paid by PO CC and flew home next day. Next full week under strict GP medication and rest. Contacted Post Office CC Customer service. Told to send overview letter and docs to prove Flight change date etc. Did so and asked for the payment to be challenged and refunded. From that moment everything went downhill. Back and forth emails and telephone calls to no avail. Result...Post Office refuse my legitimate claim and threaten to impose more interest and late payment fees. Deal with the Bank of Ireland at your peril. Decency and what is right is not part of their system. By the way, I am 86 years of age and never, ever, owed a penny to anyone in my life. Reviewed on: 3rd June 2020

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

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

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