Best An Post Credit Cards
An Post Credit Cards are known for its long term 0% interest rates on purchases and balance transfers compared to other credit cards in the Irish market. The credit cards offer access to reward programs with the card network and money transfer facilities. Also as it is owned by An Post you have access travel services assistance. One thing to be aware of is the interest rates and fees are a bit higher than your average credit cards.
So if you are interested in getting a break from interest on your purchases or balance transfers, then focus on An Post cards, their introductory 0% interest rate offers are designed to help you avoid interest temporarily.
About An Post: An post is originally a post office (mails and parcels) network company that has restructured to include retail and financial services. An post provides financial technology services that provides to fill the gaps for a cashless society for its consumers. Please note that An post is trading as An Post Money for its financial services.
List of An Post Money Credit Cards
Personal Credit Cards
- An Post Money Classic Credit Card: Best for balance transfers
- An Post Money Flex Credit Card: Best for Instalment Payment
Compare An Post Money Credit Cards
A Closer Look into An Post Money Credit Cards
Personal Credit Card
An Post Money Flex Credit Card: Best for Instalment Payment
What we love about An Post Money Flex Credit Card: This credit card paves the way for long term introductory free interest rate offers. In addition to this other options like instalment payment to spread your payments over 12 months and money transfer of up to 95% of your credit limit. The card also offers 0% interest on purchases for 9 months but the offer does not apply if you use the instalment plan. Essentially with this credit card you have the option to put your purchases on instalment plan when you see the Mastercard instalment symbol.
Who this card is good for: This card is for high income earners. It is also people who want to make large purchases and want to pay it off within 9 month with no interest.
Alternatives: If you opt for instalment option you forfeit the 0% intro rates on purchases. in this case a Bank of Ireland Classic Credit card is a good alternative. Also If you are the type that doesn’t pay your off outstanding balance each month, this card may not be valuable in the long term after its offers has expired. A good alternative is AIB Click Visa Card has a similar zero annual fee, but much more lower interest rate and APR.
Read our full An Post Money Flex Credit Card review.
An Post Money Classic Credit Card: Best for Balance Transfers
What we like about An Post Money Classic Credit Card: We like their introductory offer which means you don’t pay interest on the balance transfers for 12 months, giving you enough time to pay down your balance. But remember tou’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates.
Who this card is good for: People that have a good credit history and looking for a break in paying interest on their existing credit card debt balances.
Alternatives: The Avant Money One Credit provides a reasonable alternative to the An Post Money Classic Credit card. With the One Credit you’ll get both 0% interest on balance transfer for 9 months and 0% interest on purchases for 3 months on one card.
What are the benefits of An Post Money Credit Cards?
Mastercard Priceless offers: As An Post Money credit card uses the Mastercard network, cardholders can access the priceless cities offer and experiences both in Ireland and around the world. They can enjoy hotel getaways, dining, golf and spa breaks and much more.
Flexible Money Transfers: Transfer from your credit card into your current account when you need it, wherever you are and for free
Instalment Payment: Spread the cost of larger transactions over 12 months at a great lower rate. Available with limited merchants where you see the Mastercard instalment symbol.
What are the credit limits of An Post Money Credit Cards?
Credit limits are determined by your individual situation at the time of application. Your financial circumstances are assessed and evaluated based on your ability to repay and your financial history
What are the interest rates on An Post Money Credit Card?
Money transfers interest is charged at the same rate with purchases.
Remember if you pay off your outstanding balance each month, you avoid any interest rate cost on your card.
How to qualify for An Post Money Credit Card?
To qualify for an An post credit card, you should be over 18 years old and resident in Ireland. In addition you should have a good credit history and have managed your finances well. Ensure you review your central credit register file and ensure that it is up to date and free of any errors or incorrect information that could affect your credit application.
What is eligibility check? and How to apply for An Post Credit Card?
If you happy with the features and benefits of An Post Flex credit card and wish to proceed to applying for the credit card, there are two ways to apply. You can apply online or call in to An post dedicated team. You will need to complete an eligibility check, This check carries out a soft credit check on your profile to see if you can be pre-approved for a credit card. Final approval is given when you provide all the required paperwork. To complete an eligibility check, you will need to provide a few details such as household monthly income, monthly debt repayments and rent or mortgage . your relationship status and number of dependants under 18.
How we analysed An Post Money Credit Cards?
We reviewed the An Post Money Credit Cards across the following criteria
- Interest rate/APR – We compared the interest rates and APR and other related fees to gives us an indication of the cost and value of the card.
- Annual fee – We looked at if the An Post Money credit cards charged an annual fee and compared the overall value proposition and benefit of the card against the annual fee of the card.
- Introductory offers – Checked to see if there were any incentives to get the cards and analysed if offers were worth it.
- Rewards – Also reviewed if the An Post Credit Cards had any customer loyalty program included
- Perks and benefits – Look out for travel insurance, financial management tools (for the business credit cards), luxury benefits and other extras.
Frequently Asked Questions
Lynda Unogu MBA IMC (CFA UK) PMP
Lynda holds an MBA from University College Dublin and worked previously in product roles within financial services and technology firms like Mastercard, Citi Bank and JP Morgan. She constantly seeks to apply her expertise in financial services to the field of personal finance with the goal of helping people navigate the complexities of the finance.