Creation All Rounded Credit Card review

Enjoy lengthy 0% deals on purchases and balance transfers with this deal from Creation.

  • Must read: All Rounded Credit Card by Creation discontinued

As of June 2019, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from Creation and to compare similar cards from other issuers.

If you’re looking to clear existing debt but you also need a card for forthcoming expenses, this card could save you money on both. You’ll enjoy 0% interest for 20 months, after which any outstanding balance will start to accrue interest at the card’s standard rate.

Don’t forget that although there’s no interest on balances transferred (at least initially), there is a balance transfer fee, of 3% (min. £3).

Our verdict

While it’s probably a bit of a stretch to call this an “all-rounder”, it’s certainly a respectable dual-purpose option for people who already have card debt, but might need to add to it before they can clear it.

Key details

IssuerCreation Financial Services
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 20 months reverting to 18.9%
Balance transfer fee3% (min. £3)
Purchases0% for 20 months reverting to 18.9%
Purchases interest-free periodUp to 50 days
Cash advances27.9%
Min. credit limit£100
Max credit limitNot specified
Additional cards available1
IncentiveReceive regular offers and discounts from top brands.
Annual/monthly fees£0
Balance transfer fee3% (min. £3)
Foreign usage charge (EU)2.99%
Foreign usage charge (rest of world)2.99%
Cash advance fee5% (min. £5)
Late payment fee£12
Duplicate statement fee£3
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
Minimum income£9,600
ResidencyMust be UK permanent resident with Bank or BS a/c, regular income source, provide landline tel no & valid email address.
AvailabilityAvailable to new customers
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

Compare Creation credit cards

Table: sorted by representative APR, promoted deals first
Updated September 19th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 3 months reverting to 17.9%
0% for 9 months reverting to 17.9%
£0
17.9% p.a. (variable)
Earn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free meet and greet signing sessions once card activated, 0% Season Ticket Offer - details throughout the season.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
10% discount in the Owls Megastore, 2 for 1 match ticket after the first three spends on your Owls Mastercard, away ticket priority and 0% Season Ticket Offer - details throughout the season..
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
22.9%
0% for 12 months reverting to 22.9%
£0
22.9% p.a. (variable)
1 IHG Rewards Club point for every £1 spent in the UK.
2 IHG Rewards Club points for every £1 spent at any IHG location in the UK.
2 IHG Rewards Club points for every £1 spent abroad.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
0% for 12 months reverting to 22.9%
£99 per annum
45.1% p.a. (variable)
2 IHG Rewards Club point for every £1 spent in the UK.
4 IHG Rewards Club points for every £1 spent at any IHG location in the UK.
4 IHG Rewards Club points for every £1 spent abroad.
Free night voucher at any IHG property if customer spends £10,000 per year. Free night voucher to be awarded on account anniversary.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £99 per annum, your representative rate is 45.1% APR (variable).

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How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Updated September 19th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 18 months reverting to 22.9%
N/A
£0
22.9% p.a. (variable)
Earn 1 Membership Rewards® point for every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
0% for 25 months reverting to 20.95%
0% for 25 months reverting to 20.95%
£0
20.9% p.a. (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 3 months reverting to 19.95%
0% for 28 months reverting to 19.95%
£0
19.9% p.a. (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 3 months reverting to 20.95%
0% for 20 months reverting to 20.95%
£0
20.9% p.a. (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 22 months reverting to 20.95%
0% for 3 months reverting to 20.95%
£0
20.9% p.a. (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).

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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0371 376 9214), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Creation All Rounded Credit Card

If you’ve compared cards and want to apply, Creation offers an eligibility checker so that you can find out your likelihood of getting approved for this card, without affecting your credit score. Completing the secure online application form takes about 15 minutes.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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