Compare Post Office Money credit cards

Compare credit cards from Post Office Money

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
Post Office Money® Travel Credit Card Mastercard		24.93%	24.93%	£0	24.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Post Office Money® Classic Credit Card Mastercard		34.94%	34.94%	£0	34.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...

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Post Office Money credit cards are part of the Mastercard network, so they’re accepted in more than 70 million locations worldwide. They also come with 24/7 customer support.

What types of credit cards are available from Post Office Money?

Riding on its long-standing reputation, the Post Office brand has now been stamped on all manner of services. It previously worked with Bank of Ireland to provide credit cards, but its new cards are issued by Capital One (best known for catering to those with fair-to-poor credit scores). As such, Post Office Money is acting as a broker, rather than a direct lender.

Post Office Money offers two types of credit card:

• A versatile credit-builder

  The Post Office Money Classic card is a “credit builder” card, and targeted at those with a limited or damaged credit record. It’s intended to offer ongoing credit while helping cardholders to improve their credit scores. These cards are typically easier to get approved for but come with lower credit limits and higher interest rates. With the Classic card, you can be approved for a credit limit between £200 and £8,000, and receive a variable APR between 19.9% and 34.9%, depending on your personal circumstances. The representative variable APR is 34.9%. You may also be eligible for 0% on purchases for up to 12 months, as well as 0% on balance transfers for up to 18 months.

  Discover and compare credit building cards

• A travel credit card

  Designed (as the name would suggest) for regular travellers, the Post Office Money Travel card lets you spend money abroad without being charged a foreign exchange fee (most credit cards hit you with a 2.5%-3% currency conversion fee). It offers slightly restricted credit limits compared to the Classic card, with limits from £500 up to £6,000. If you’re approved, you’ll receive a variable APR between 19.9% and 24.9%, with the representative APR at 24.9%.

  Discover and compare travel credit cards

You can check your eligibility for both cards, without affecting your credit score, by using the Post Office eligibility checker.

The benefits of banking with Post Office Money

Post Office Money offer many benefits for credit card customers. Here are some of the highlights:

• Security and fraud protection

  All Post Office Money credit cards use MasterCard® SecureCode™ which gives you an extra layer of protection for online transactions. MasterCard® SecureCode™ allows you to add a personal security password to your existing Post Office Money credit card which you then use to validate each online transaction. This helps to protect you from unauthorised use when shopping online.

• Global acceptance

  Due to the Post Office Money cards being provided through Mastercard they are accepted in a huge number of locations worldwide. Additionally, with a Platinum Card you can shop abroad at no extra fee.

• Mobile App

  Have your finances available to you at all times through the Credit Card Mobile Servicing App. From here you can check your balance, make a payment or set up a direct debit. As long as you have a device that can access either the Apple App Store or the Google Store then you can download the app and access your finances on the go.

How to apply for a Post Office Money credit card

The quickest way to apply for a Post Office Money card is online. You simply fill out the online form providing personal information such as name, address, income and work status.

Eligibility requirements

There are basic eligibility requirements you will most likely need to meet to be accepted for a Post Office Money credit card. The eligibility requirements are as follows:

• You are aged 18 years or over.
• You have a permanent UK home address.
• You have a current UK bank or building society account.
• You don’t already have a Post Office Money credit card.
• You are employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits.
• You don’t have any outstanding County Court Judgements.

Post Office Money have a range of cards with a number of different requirements, so you will need to check your eligibility against each card when you apply (as they may differ). When you do apply, use the QuickCheck eligibility checker to see if you are eligible in a couple of minutes, without affecting your credit score.

Frequently asked questions

• How can I pay my bill?

  The main ways to pay your bill are by direct debit, debit card, internet banking, at your bank or by cheque.

• Can I manage my account online and over the phone?

  Yes, there are three ways you can manage your account; through our mobile app, online and over the phone.

• What is contactless payment?

  Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

• Can I view and download my statements online?

  Yes you can view and download your statement online. You can also opt out of receiving paper statements.

• Can I get help if I get into financial difficulty?

  If you do get into financial difficulty, it’s important that you let the Post Office Money Customer Service Team know as soon as possible so they can take steps to help. You can call them on 0345 607 6500.

• How is interest calculated?

  Your credit card may have different rates of interest for purchases, balance transfers and cash withdrawals. You’ll find details of your specific interest rates in your terms and conditions.

  Interest is calculated as a percentage of the amount you borrow. The longer it takes you to pay off your balance, the more interest you will have to pay.

• I have a Post Office Mastercard credit card, how can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.