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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 credit card customer satisfaction survey.

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

What do Creation credit cards offer? 

Creation Financial Services is the company behind a range of reward credit cards like IHG and Maximiles, which also come with 0% balance transfer offers.

How does Creation compare to other providers?

Creation scored a below-average 67% in our latest credit card satisfaction survey leaving it near the bottom of the table in joint 23rd place.

Credit Cards
Creation review
Which? Customer Score
=23rd out of 30 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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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, query handling and complaint resolution.

Creation credit card satisfaction ratings


Star ratings

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer service

3 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

3 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

2 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

1 out of 5

Which reward credit card is best?

You can see the top five reward credit card deals listed below.

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 6,537 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?


Yes, Creation allows you to see your chances of being accepted for one of its credit cards before you apply 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.


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.