Offer terms and conditions

Representative 18.9% APR variable

+ 0% interest on balance transfers for 20 months, when made within 90 days of account opening. We’ll apply a fee of 3% (£3 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 incur interest at the standard rate then applicable. Promotional rate may be lost if at least the minimum payments are not made on time or the credit limit is exceeded.

** 0% on purchases is the reduced rate for 20 months from account opening date. If at the end of the 20 month promotional period you haven’t paid off the purchases in full, interest will become payable on the remaining balance at the standard rate for purchases (variable) for your account.

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 All Rounded Card is issued by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA.