Comparing balance transfer credit cards online since 2002
The Post Office balance transfer credit card now comes with a shorter 0% deal on balance transfers.
The current Post Office balance transfer card offers UK customers 0% for up to 12 months on balance transfers, with a 2.9% balance transfer fee and the card has a representative 34.9% APR variable. The card also offers new customers 0% for up to 12 months on purchases.
If you apply for this card, then you may receive an even shorter 0% introductory offers, based on your own individual circumstances. You may also get a different APR interest rate, again based on your individual circumstances.
Post Office Credit Card Balance Transfer
Previously, the Post Office had offered customers a range of different credit cards. Bank of Ireland was the issuer of these previous balance transfer cards. Back in 2018, these cards had offered UK customers introductory deals as long as 0% for up to 35 months on balance transfers.
This new Post Office balance transfer card, however is unlikely to be first choice for UK customers looking for a 0% balance transfer offer. This is because of the very short 0% introductory offer, and also the higher than average standard APR interest rate.
Many other longer balance transfer offers are available to UK card customers looking for a 0% balance transfer. All of the following featured cards will allow a Post Office credit card balance transfer:-
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- 0% interest for up to 26 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for 3 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for 3 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% on balance transfers for 12 months from the date your account is opened
- 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
- 0% on purchases for 3 months from the date your account is opened
- Discounts on Virgin holidays, Virgin trains and Virgin experience days
- Contactless payments to quickly and securely pay for purchases up to £100
- Online card servicing
- Annual Fee: None
- You are a UK resident
- You have a bank or building society account
- You have a good credit history
- You are aged 18 or over
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for up to 18 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
The new Post Office balance transfer credit card is issued by Capital One. The Post Office act as a credit broker for these cards, and are not the issuer. As a result, you cannot make a transfer from any Capital One credit card to the Post Office card.
Jaja Balance Transfer
The Bank Of Ireland has made the decision to withdraw from the UK credit card market. As a result, customers with one of the older Post Office credit card were transferred over to a new credit card provider, Jaja.
This included all customers who held a Post Office Platinum card, as well the Post Office Matched credit card. The transfer to the new card provider took place back in October 2020.
As a result of this change of credit card issuer, all existing Post Office credit card customers received a new Jaja credit card. Customers were also required to register for, and use the Jaja online app to service their new card.
Any introductory 0% offers that customers had on their old Post Office credit cards were not affected. These Post Office credit card balance transfer introductory deals for customers continued until their scheduled expiry date.
Jaja is a relatively new card company within the UK credit card market. As a result, this has sometimes caused issues with making a Jaja balance transfer to some other UK credit cards. There are currently no Jaja balance transfer offers available on the Jaja credit card.
At the start of last year, Jaja notifyed customers who had previously held the Post Office credit card that their replacement Jaja credit card would be closing. Customers then had to find a new credit card to use for their day to day spending.
The Post Office credit card balance transfer offer on the Platinum card was the longest interest free balance transfer offer from the Post Office. The Post Office Matched credit card had offered customers equal length introductory offers on balance transfers and purchases. Neither of these cards are now available to new customers, in the UK.
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