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. Promotional rate 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. Promotional rate may be lost if at least the minimum payments are not made on time or the credit limit is exceeded.

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.