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Credit Cards

Creation

Purchases Credit Card

Creation Purchases credit card

Provider website

Available to those who are:

- UK resident
- Aged 25 or over
- Be in full-time employment
- Have a household income of £20,000 or more.

- Please check the full criteria before applying.

0% purchases for 13 months

0% balance transfers for 9 months (2.9% fee)

Creation select brand discounts

Representative Example: 17.9% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. The Creation card is issued by Sygma Bank UK. Principal place of business in the UK: Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA.

What's on offer?

Main summary of this credit card's rates, rewards and services.

Purchases:	Balance transfers:	Rewards:	Cardholder services:
0% for 13 months 17.9% p.a. variable thereafter	0% for 9 months 19.9% p.a. variable thereafter 2.9% transfer fee (£3 min) Must be transferred within 60 days	Select discounts	Online Account Management

Further details

A closer look at the rates, rewards and services of this credit card.

Please ensure you read the full terms and conditions and the summary box on the provider's website before applying for any product.

Please see below for more important information relating to the content of this page.

Application criteria

	Detail
Only apply if you are:	- UK resident - Aged 25 or over - Be in full-time employment - Have a household income of £20,000 or more. - Hold a UK bank or building society account. - Able to provide a landline telephone number and valid email address.

Interest rates

	Detail	Additional
Representative APR (variable)	17.9% APR	17.9% APR variable, 20.9% APR variable or 23.9% APR variable depending upon individual circumstances. Based on a £1,200 credit limit.
Introductory Purchases	0% for 13 months	-
Introductory Balance Transfers	0% for 9 months	Must be transferred within 60 days of account opening to qualify.
Standard Purchases	17.9% p.a. variable	Rates 17.9%, 20.9% or 23.9% p.a. variable.
Standard Balance Transfers	19.9% p.a. variable	Rates 19.9%, 22.9% or 25.9% p.a. variable.
Standard Cash Advances	22.9% p.a. variable	Rates 22.9%, 25.9% or 28.9% p.a. variable.

Fees and charges

	Detail	Additional
Balance Transfer fee	2.9% (£3 min)	-
Cash Advance fee	3% (£5 min)	-
Foreign fee	2.99%	This fee is charged for transactions made in non-sterling currency.
Annual fee	None	-
Default charges	£12	This charge is made for late payments, returned payments and exceeding the credit limit.

Repayment details

	Detail	Additional
Credit limit	£100 min	Credit limit is subject to status.
Interest free period	Up to 50 days	On standard purchases when you pay your balance in full every month by the due date. Any interest free period only applies to any other transactions notified to you by the card issuer.
Minimum monthly payment	1% (£5 min)	1% of the Principal amount owing and any outstanding Interest, charges and fees or £5, whichever is greater.
Allocation of payments	Payments will be allocated to pay balances relating to higher interest rates first. Where fees and charges are payable the payment will be allocated to the interest rate applicable to these fees and charges, again relating to the higher interest rate first.

Rewards and discounts

	Detail
Select discounts	Select discounts with top brands

Cardholder services

	Offered	Additional
Online account management		-
Fraud Monitoring		-
Identity Protection		-
Credit Report Access		-
3D Secure		-
Contactless Payments		-
Purchase Protection Insurance		-
Purchase Delivery Insurance		-
Travel Insurance		-
Travel Accident Insurance		-
Travel Inconvenience Insurance		-
Assistance Abroad		-
Emergency Card Replacement		-

Go to provider website

Please read the following notice:

This page is part of an advertisement of this product.

The information on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.

While we make every effort to ensure and maintain current and accurate information on this site and the content on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.

You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.

We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.

Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.

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