Maximiles Credit Card review

This card is no longer available, but you can use our review to find alternatives.

The Maximiles Credit Card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

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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).

Up to 5,000 points

Intro bonus


Representative APR


Account fee

9 months

0% interest on balance transfers


IssuerCreation Financial Services
Representative APR17.9% APR (variable)
Annual/monthly fees£0
Loyalty schemeMaximiles points
IncentiveEarn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Purchases0% for 3 months reverting to 17.9%
Purchases interest-free period (days)50
Balance transfers0% for 9 months reverting to 17.9%

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Maximiles is an online rewards programme which you earn loyalty points for by completing online surveys and shopping at a wide range of retailers. You can then redeem them for a selection of rewards, from electronics to beauty products.

If you’re a bit of a (digital) shopaholic, this credit card can offer you monthly credit and a big boost to your Maximiles point balance, without any annual fee.

The introductory 0% for 3 months reverting to 17.9% on purchases makes shopping even more appealing, but don’t forget to clear your balance before the 0% period is over, as it will then start to accrue interest at the card’s standard rate.

However, even at that point you’ll be able to enjoy some flexibility – up to 50 interest-free days for each billing cycle, provided you pay off your bill in full every month.

If you’re considering transferring the balance you have on another credit card to this one, be aware there’s a balance transfer fee of 5% (min. £5). You won’t be charged any interest on your balance for the first 9 months.

As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Pros and cons


  • Three months to spread the cost of purchases
  • Earn points on day-to-day spending
  • Up to 5,000 points introductory bonus
  • No annual fee


  • Minimum annual income requirement of £9,600
  • Applicants with low credit scores are unlikely to be eligible
  • Relatively high balance transfer fee
  • You may be offered an opening credit limit as low as £100

Other reward cards

Table: sorted by representative APR, promoted deals first
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Rewards Offer Mastercard
2 points per £1 spent
1 point per £5 spent
19.9% APR (variable)
Check eligibility
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
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).
M&S Bank Shopping Plus Credit Card
1 point per £1 spent
1 point per £5 spent
21.9% APR (variable)
Check eligibility
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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
M&S Bank Credit Card Transfer Plus Offer Mastercard
1 point per £1 spent
1 point per £5 spent
21.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Santander All in One Credit Card
0.5% cashback
0.5% cashback
£3 per month
24.7% APR (variable)
Check eligibility
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
American Express Platinum Cashback Everyday Card
1% cashback
1% cashback
25.3% APR (variable)
Go to site
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership and an extra £20 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through Creation Financial Services's app, by logging in to your online banking or over the phone (0371 376 9214). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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 Maximiles Credit Card

Sorry – Creation Financial Services is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Frequently asked questions

What credit limit will I get with the Maximiles Credit Card?

If Creation Financial Services is able to offer you this deal, the offer will specify a personalised credit limit based on Creation Financial Services's assessment of your situation. The minimum limit offered on this card is £100 and Creation Financial Services does not specify a maximum. Once you've had the card for a while and shown Creation Financial Services that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Maximiles Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Maximiles Credit Card is 5% (min. £5). For example, if you withdraw £50, you'll incur a fee of £5.00. Withdraw £250, and you'll incur a rather painful fee of £12.50.

The interest rate on this part of your balance will be 22.9%, which is 28% more than the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 50 days interest-free" grace period won't apply).

How much does it cost to use the Maximiles Credit Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£170.05), it'll cost you around £5.08 in fees.

What is the minimum payment on the Maximiles Credit Card?

Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt.

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