Creation credit cards

As well as offering insurance and loans, Creation has also been a credit card provider for more than 40 years. If you are not too familiar with the brand, that’s because it is the card company working behind more nationally-recognised partners by supplying their store cards. Examples of these retail partners include M & Co, USC and Quiz.

Compare Creation credit cards - Sorted by longest balance transfer

    • Provider/Product name Balance Transfer Card

      Creation

      Balance Transfer Card

    • Balance transfer 0% 12 months 5%fee
    • Purchases 0% 3 months
    • Rewards Rewards
    • Representative APR (variable) 18.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Offers from MasterCard and Creation's retail partners each month
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot transfer a balance from another Sygma Bank UK card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

    • Provider/Product name Purchase Card

      Creation

      Purchase Card

    • Balance transfer 0% 6 months 5%fee
    • Purchases 0% 9 months
    • Rewards Rewards
    • Representative APR (variable) 18.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Online account management
    Retail discounts with top brands
    But be aware that
    You cannot transfer a balance from another Sygma Bank UK card
    The APR is dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Guide to Creation credit cards

If you are making a large purchase and want to spread the cost, you may want to consider the Creation purchase card. You will not pay a penny of interest for nine months, allowing you to pay back only what you borrowed. You can also benefit from 0% interest on balance transfers for six months (when made within 60 days of opening the account.) So, if you have existing debt which you need some time to pay off, this would allow you to avoid amassing interest. However, you would have to ensure you had paid off your balance by the end of the 0% period, as the representative APR kicks in at a hefty 18.9% (variable).

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Football club credit cards

If you are a football fan and want to support your team, Creation also issues football club credit cards. There are a number of teams to choose from but, if for example you were a Fulham supporter, you could enjoy 0% interest of your Fulham season ticket for nine months. You would also get away match ticket priority before general sale of tickets as well as a host of other benefits.

Store cards

You may not realise it but you could already have a Creation card sitting in your wallet. This is because the company issues a raft of retailers by supplies a range of store cards. Partners include brands such as Currys, DFS, PC World and many others. However, the benefit of these store cards is that you are not restricted to the brand you sign up to. You just need to look out for the ‘Duet’ logo and you will then have the choice of shopping at 8,000 stores nationwide at retailers such as Selfridges & Co, Sainsbury’s and Ernest Jones.

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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