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

  1. 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 and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Creation Financial Services Limited card

    Representative Example:

    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

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 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'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.

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 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.


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