Creation Balance Transfer Credit Card

If you're looking for a great balance transfer rate, then take a look at the Creation Balance Transfer Card

  • Enjoy 0% interest on any balances that you transfer for 12 months, when made within 90 days of account opening*
  • You can also take advantage of 0% interest on purchases for 3 months, when made within 90 days of account opening**
  • We like to give you more, so you will also receive regular offers and discounts from top brands
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Our application process is…

 Quick - instantly find out if you’re eligible to apply
 Simple – 3 step application process
 Safe – protect your credit score with our eligibility check

Helping to make life easier

Manage your account 24/7

Whether you're at home or abroad, you'll be able to stay in control of your account whenever's convenient for you

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Using your card at home and abroad

Accessing your money when you're travelling couldn't be easier

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Consumer Protection

Using a credit card allows you to benefit from built-in statutory protection. If you make a single-item purchase of £100 to £30,000, it means that you won’t be on your own if things go wrong with your product or the retailer

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UK-based call centre

Whether you're looking to apply for one of our great products or just have a question, we're here to help.^

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Offer terms and conditions

* 0% interest on balance transfers for 12 months, when made within 90 days of account opening We’ll apply a fee of 5% (£5 minimum) per balance that you transfer, however we are unable to transfer balances from other Creation accounts that you may have.

If at the end of the 0% period you haven’t paid off the amount of the balance transfer in time, interest will become payable on the remaining amount at your standard Balance Transfer rate. Minimum value for Balance Transfer is £50. All other transactions during the promotional period will be charged interest at the standard rate then applicable. 0% may be lost if at least the minimum payments are not made on time or the credit limit is exceeded.

** 0% interest on all Purchases for 3 months made within the first 90 days of account opening This offer excludes Cash Advances, ATM withdrawals, Balance Transfers and Insurances. For any of these purchases that aren’t paid off in full after the 3 month 0% period, we’ll apply your standard purchase interest rate.

Subject to status. Actual credit limit offered will be based on your individual circumstances. Applicants for credit must be 18 years or over, a UK resident, and have a personal minimum income (after any deductions for tax and National Insurance) of £800 per month (or £184.62 per week).  This may include: salary, pension, Disability Living Allowance, Carer’s Allowance, court agreed Child Maintenance or rental income. The Creation Balance Transfer Card is issued by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA.