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0% APR Cards · Ireland

An Post Money Flex Credit Card

4.3 / 5 editorial rating

Best for: spreading the cost of a large purchase over 9 months at 0%

Reviewed by the CreditCardCompare editorial team · Fees and rates checked — confirm on the issuer's site before you apply

Annual feeNo annual fee
IssuerAn Post Money (issued by Bankinter S.A., trading as Avant Money)
NetworkMastercard
Purchase APR22.9% APR representative (va…
Foreign transaction fee2.65% of the transaction val…
Credit neededAged 18 or over; resident of…

Pros

  • Longest 0% purchase period we found (9 months)
  • Low-rate money transfer option
  • No annual fee or current account needed

Cons

  • 22.9% APR after the offer
  • 2.65% FX fee
  • Promotional rates can be lost if you pay late or go over your limit
Check current offer on issuer site Compare Ireland cards

Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

The An Post Money Flex Credit Card gives you 0% on purchases for 9 months and money transfers to your bank account at 5.9% for 24 months. The typical APR after the offer is 22.9% variable.

An Post Money Flex Credit Card at a glance

IssuerAn Post Money (issued by Bankinter S.A., trading as Avant Money)
Card networkMastercard
Annual feeNone
Rewards rateNone
Welcome bonusSee issuer for the current offer
Intro APR0% on purchases for 9 months; money transfers at 5.9% for 24 months
Regular APR22.9% APR representative (variable) after the offer; your standard rate depends on your profile
Foreign transaction fee2.65% of the transaction value on non-euro transactions
Credit neededAged 18 or over; resident of the Republic of Ireland; no An Post Money current account needed
Best forSpreading the cost of a large purchase over 9 months at 0%

Key features

  • 0% on purchases for 9 months
  • Money transfers to your bank account at 5.9% for 24 months
  • Up to 3 additional cardholders at no charge
  • No annual fee; €30 government stamp duty applies
  • Keep the offer by paying the minimum on time and staying within your limit

Pros

  • Longest 0% purchase period we found (9 months)
  • Low-rate money transfer option
  • No annual fee or current account needed

Cons

  • 22.9% APR after the offer
  • 2.65% FX fee
  • Promotional rates can be lost if you pay late or go over your limit

Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.

Sources: anpost.com · anpost.com

How it compares with similar Ireland cards

CardAnnual feeRewardsIntro APRForeign feeCredit neededRating
An Post Money Flex Credit CardSpreading the cost of a large purchase over 9 months at 0%
 None None 0% on purchases for 9 months; money transfers at 5.9% for 24… 2.65% of the transaction v… Aged 18 or over; resident of t… 4.3
Bank of Ireland Classic Credit CardA mainstream bank card with a 0% start on purchases or balance transfers
 None None (Mastercard Priceless offers) 0% on purchases for 6 months or 0% on balance transfers for… 2.25% cross-border handlin… Aged 18 or over; minimum incom… 4.1
Revolut Credit CardRevolut users who want an app-managed card with a 0% start and a mid-range APR
 None RevPoints on spending (earn rate depends on your Revolut plan; see iss… 0% on purchases and balance transfers for up to 6 months if… See issuer (depends on you… Aged 18 or over; Irish residen… 4.1

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