Creation credit cards
Proudly part of BNP Paribas Personal Finance, a global bank, providing clear, simple and straightforward credit cards helping customers spread their payments in an affordable way through a range of credit cards
Compare Creation credit cards - Sorted by longest balance transfer
- Great for
- One low rate with no fees on Balance Transfers, Cash Withdrawals or spending abroad
- Free personalised text alerts to help you manage your spending
- But be aware that
- The APR is dependent on your personal circumstances
- You cannot transfer a balance from another Creation Financial Services Limited card
If you spend £1,200 at a purchase interest rate of 12.9% p.a. (variable) your representative rate will be 12.9% APR (variable).
Guide to Creation credit cards
Creation offers a wide range of credit cards, including football club credit cards, travel credit cards, balance transfer and purchase cards.
Football club cards cover a range of different teams, so you can pick the one you are a fan of, and they often entitle you to benefits such as access to tickets before they go on general sale. Many football cards also enable you to buy your season ticket on them interest-free for an introductory period. Always aim to clear your balance as soon as possible though, otherwise you could find yourself hit by steep interest charges.
Creation also provides travel credit cards, which enable you to collect points which you can put towards flights or car rental.
Creation credit cards are fully regulated by the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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 get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.
- Consider a different card
- Not eligible
- Your chances are good
- 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.
If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.
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 and independent, as well as offering exclusive deals you can't get anywhere else.
Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.