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Creation credit card review

Find out how Creation has been rated for its application process, customer service, mobile app and more in our latest customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do Creation credit cards offer?  How does Creation compare to other providers? Is Creation a good credit card provider?
Which Creation credit card is best? How we calculate Creation's customer score and ratings Creation credit card FAQs

Coronavirus (COVID-19) credit card update


A range of credit card providers are offering to increase limits as well as temporarily waive late payment charges and cash advance fees in a bid to help ease the financial hardship caused by the coronavirus outbreak.

You can find more of the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do Creation credit cards offer? 

Creation Financial Services is the company behind a range of reward credit cards like Asda Money and IHG.

It focuses on 0% balance transfers, 0% purchases and fee-free spending abroad on its own-brand suite of deals.

How does Creation compare to other providers?

Creation scored a below-average 66% in our latest credit card satisfaction survey leaving it near the bottom of the table in 21st place.

Credit Cards
Creation review
Which? Customer Score
21st out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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£1 for first month then £12.75/month unless cancelled

Is Creation a good credit card provider?

Our survey also reveals how Creation customers rated the provider across 10 categories. 

Find out in the table below how Creation scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service and query handling.

Creation credit card satisfaction


Star rating
Customer service -
Application process

5 out of 5

Clarity of statement

5 out of 5

Transparency of charges and penalties -
Dealing with queries -
Dealing with complaints -
Ability to manage online

3 out of 5

Ability to manage by mobile app -
Ability to manage by telephone banking -
Charges for using your credit card abroad -

Which Creation credit card is best?

You can explore the best Creation credit card deals using Which? Money Compare.

How we calculate Creation's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Creation credit card FAQs

Does Creation offer an eligibility check?


Creation allows you to see your chances of being accepted for one of its credit cards without impacting your credit score.


Where are Creation credit cards accepted?


Creation issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.


Can you use a Creation credit card on holiday?


You can use any Creation credit card overseas but only the Everday credit card offers fee-free spending.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.