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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
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 we calculate the Post Office's customer score and ratings Post Office credit card FAQs

What do Post Office credit cards offer?

The Post Office offers the Classic Credit Card, with credit provided by Capital One.

The Classic Credit Card offers 0% on balance transfers and purchases for up to 12 months and can help you build your credit rating.

Representative example: assumed borrowing of £1,200 for one year, at a purchase rate of 34.94% (variable), representative 34.9% (variable). Credit is subject to status and terms apply. 

How does the Post Office compare to other providers?

The Post Office received a below-average score of 69% in our latest credit card survey customer satisfaction survey. It came 22nd out of 26 providers we analysed this year.

Credit Cards
Post Office review
Which? customer score
=22nd out of 26 credit card providers
The Which? rating for customer satisfaction is 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 use fees, customer service, query handling and complaint resolution.

Post Office credit card customer satisfaction category Star rating
Customer service -
Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges -
Charges for using your card abroad -
Dealing with complaints and resolving problems -
Dealing with queries -
Ability to manage account online -
Ability to manage account by telephone -
Mobile app on a smartphone or tablet -


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.

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 credit card brands searched for online. 

Customer scores are based on an online survey of the public in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

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

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 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.


How can you cancel a Post Office credit card?


You will need to call the Post Office if you wish to cancel your card.

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.