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The Post Office credit card review

Find out how the Post Office has been rated for its overseas fees, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do Post Office credit cards offer? How does the Post Office compare to other providers? Is the Post Office a good credit card provider?
How does the Post Office credit card compare? How we calculate the Post Office's customer score and ratings Post Office credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) says credit card firms must offer payment help to support borrowers struggling financially because of the coronavirus outbreak.

Some credit card firms are also offering to increase limits and waive charges in a bid to help ease the financial hardship the pandemic has caused.

Keep up to date with the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do Post Office credit cards offer?

The Post Office offers two credit cards through Capital One: the Classic Credit Card and the Travel Credit Card.

The Classic Credit Card offers 0% on balance transfers for up to 18 months and 0% on purchases for up to 12 months. Or you could go for the Travel Credit Card, which offers fee-free overseas spending.

How does the Post Office compare to other providers?

The Post Office achieved a higher than average customer score of 74% in our latest credit card satisfaction survey, rising to joint 9th position. 

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Which? Customer Score
=9th out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is the Post Office a good credit card provider?

Our survey also reveals how Post Office Money customers rated the provider across 10 categories. 

Find out in the table below how the Post Office scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Post Office credit card satisfaction ratings


Star ratings

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

2 out of 5

Ability to manage by telephone banking -
Charges for using your credit card abroad

5 out of 5

How does the Post Office credit card compare?

You can explore the Post Office credit card and how it stacks up to other 0% balance transfer, 0% purchase, credit-builder and fee-free overseas deals using Which? Money Compare.

How we calculate the Post Office's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Post Office credit card FAQs


Does the Post Office offer an eligibility check?


Yes. The Post Office offers a tool called QuickCheck which can tell you if you’re eligible for a card before you apply.

The tool does a ‘soft search’ of your credit file, so it won’t impact your credit score.



Where are Post Office credit cards accepted?


Post Office credit cards are issued under the Mastercard network, so are accepted at millions of places in the UK and abroad.


Can I use my Post Office credit card abroad?


Yes, but it’s only fee-free on the Travel Credit Card deal. If you use the Classic Credit Card abroad you will pay a non-sterling foreign transaction fee on purchases.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.