Post Office Credit Card
Post Office (Bank of Ireland UK) · Cashback · Statement Credit
This comprehensive guide covers the Post Office Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Post Office Credit Card from Post Office (Bank of Ireland UK) offers cashback rewards credited directly to your statement at 1%. This card has no annual fee.
Best for: General Online, Grocery, Dining, Travel
Reward Examples
Spend £1,000 on General online → earn £5 (1%) · 0.5% cashback on all spending
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 1% 0.5% cashback on all spending
Important Notes
- No foreign transaction fees — popular travel companion card.
- Uses Mastercard exchange rate with no additional loading.
- No annual fee.
- Purchase protection and fraud protection included.
- Cashback is paid annually on card anniversary.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Post Office Credit Card vs Similar Cards
- American Express Platinum Cashback Everyday — 5% top rate · £0
- American Express Platinum Cashback — 5% top rate · £25
- Aqua Advance — 1% top rate · £0
Maximize Your Rewards
To earn the highest rewards, use the Post Office Credit Card for its bonus categories: General Online, Grocery, Dining, Travel, Fuel.