Creation

Creation Financial Services is a credit card provider

Creation provides a few different credit cards, including a no-fee everyday card. Its other cards offer various 0% interest options on balance transfers or purchases (or both).

It teams up with a number of brands outside financial services such as hotel chains and football clubs to offer deals appealing to certain audiences. Creation also provides the cards used by other financial services brands such as Asda Money.

Besides its credit card business, it offers personal loans. And introduces customers to a car warranty provider, as well as pet and life insurers.

Creation is privately owned, and its ultimate parent company is BNP Paribas Personal Finance.

Creation
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Credit cards

Ranked 31st of 34 providers reviewed.

Customer happiness 48%
Customer trust 42%
Complaints performance 58%
Transparency rating 34%
Fairer Finance score
Reviewed Spring 2019
46%

Credit cards

0% balance transfers

Creation

All Rounded

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 20 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 1.45%

Creation

20 month balance transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 20 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 1.45%

Creation

12 month balance transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 12 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 1.45%

0% purchases

Creation

All Rounded

4 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 20 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.45%
Number of days before interest is charged on purchases i 50 days

Creation

20 month balance transfer

2 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.45%
Number of days before interest is charged on purchases i 50 days

Creation

12 month balance transfer

2 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.45%
Number of days before interest is charged on purchases i 50 days

Foreign use

Creation

Everyday

4 stars
Representative APR i 12.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 0%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.02%

Creation

20 month balance transfer

2 stars
Representative APR i 18.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.45%

Creation

12 month balance transfer

2 stars
Representative APR i 18.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.45%

Creation

All Rounded

2 stars
Representative APR i 18.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.45%

Low rate

Creation

Everyday

4 stars
Representative APR i 12.90%
Representative cash transaction rate i 1.02%
Representative purchase rate i 1.02%
Risk based? i
Representative balance transfer rate i 1.02%
Representative money transfer rate i

Creation

All Rounded

3 stars
Representative APR i 18.90%
Representative cash transaction rate i 2.07%
Representative purchase rate i 1.45%
Risk based? i
Representative balance transfer rate i 1.45%
Representative money transfer rate i