Creation Financial Services

Compare Creation credit cards for October 2021

Creation is fast becoming a popular card issuer, with competitive balance transfer deals and novel "football cards" characterised by fan-tailored perks.

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Compare Creation credit cards

Table: sorted by representative APR, promoted deals first
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
IHG Rewards Club Credit Card Mastercard
0% for 12 months
(3% fee)
22.9% APR (variable)
Receive 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 and 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).

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What is Creation?

Creation Financial Services has been established for more than 40 years, and has offices in Solihull and Belfast. It’s part of the French banking group BNP Paribas, and also offers personal loans and insurance policies.

Creation credit cards are part of the Mastercard network, so they’re accepted in more than 35 million locations worldwide.

What types of credit cards does Creation offer?

  • 0% balance transfer cards.

    If you already have a credit card with a balance outstanding, that doesn’t mean you can’t (or shouldn’t) switch to a new card. If you’re being charged interest on the outstanding balance, a card with 0% on balance transfers can allow you to transfer the balance and enjoy 0% interest on it for a specified period. You should aim to clear the balance before the 0% period expires, however, otherwise a higher rate will kick in. Expect to pay a transfer fee, which is normally around 2-3% of the balance.
    Learn more about 0% balance transfer cards

  • “All-round” low-rate cards.

    “All-round” or “balanced” credit cards are built for a variety of purposes, rather than just one. If you hold an existing credit card debt but also want to make purchases on a new card, for example, then an “all-rounder” could work well for you, as these cards normally come with a 0% period on both balance transfers and purchases (after which both will revert to a higher rate).
    Learn more about low rate cards

  • Rewards cards

    With a rewards card, you’ll be able to earn loyalty points, cashback or air miles while you spend, depending on the card. Before you apply for a rewards card, check out the earn rate (rewards per pound spent) and weigh it up against any fees plus interest that you’re going to be charged to see if it’s worthwhile. Creation’s Intercontinental Hotel Group (IHG) rewards cards allow users to earn IHG Rewards Club bonus points each time they use the cards. What’s more, purchases at IHG locations earn points at an even higher rate. So, if you’re a regular at IHG hotels, Creation’s IHG Rewards Club cards will be worth a closer look.
    Learn more about rewards cards

  • Football cards

    Enjoy a host of perks specifically tailored to fans, like 0% on season tickets, discounts at the team’s store, priority tickets, prize draws and access to meet-and-greet sessions. Oh, and naturally you’ll get a card in the club’s colours. Whilst these cards may seem like a novelty, the rates are actually competitive, even offering a 0% balance transfer deal. The only catch? The current range only covers a select few teams… Come on Ref!

What benefits can I expect from a Creation credit card?

  • 24/7 online account management. Creation’s online banking portal is the place to access a range of options and services attached to your card. But its telephone support is also available 24/7 if you need extra help.
  • Free personalised text alerts. These are designed to help you manage your spending, and will give reminders of details such as your remaining credit limit, and due payment dates.
  • Widely accepted. The Creation credit cards are part of the Mastercard international payments network. So you can use your card at more than 34 million places worldwide.

Applying for a Creation credit card

Creation doesn’t have high street branches, but it’s straightforward and quick to apply for a Creation credit card online.

Eligibility requirements

To qualify for a Creation credit card, you need to:

  • Be aged 18 or over
  • Have a minimum monthly income of £800 after tax and national insurance deductions
  • Be a permanent resident of the UK (including Channel Islands and Isle of Man)
  • Have a UK bank or building society account (including Channel Islands and Isle of Man)
  • Be able to provide at least one landline telephone number and a valid email address
  • You’ll also be expected to provide your address details for the past three years

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. If you have been made the subject of a CCJ you may not be accepted. You’re also unlikely to be offered a Creation card if you have declared bankruptcy.

Creation credit card customer reviews

Creation has received generally negative reviews from customers, according to review platform Trustpilot. It currently has a rating of 2.7 out of 5, based on more than 1,000 reviews (updated 12 March 2021).

Many customers highlighted poor customer service and difficulty accessing their accounts, as reasons for their negative reviews.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though 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, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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