The Creation Everyday Credit Card is no longer available. This page is kept as a record of what the card offered.

ClearScore is a credit broker, not a lender.

The Creation Everyday Credit Card was a fee-free travel credit card with an unusually simple fee structure. Its defining features were:

• No foreign transaction fees on purchases or ATM withdrawals abroad

• An APR of 12.9% variable on purchases, cash withdrawals and balance transfers

• No annual fee

Representative example (historical): Based on an assumed credit limit of £1,200 at a purchase rate of 12.9% p.a. (variable) with no annual fee, the representative APR is 12.9% variable.

The low cash withdrawal rate was its stand-out feature. Most credit cards, including travel-specific ones, charge a materially higher rate on cash advances, and that rate applies from the day of the withdrawal with no grace period. At 12.9%, the Creation Everyday's cash withdrawal rate was considerably lower than most alternatives, which reduced the cost of carrying a cash balance.

The card was issued by Creation Financial Services, a UK consumer finance company that also operated the IHG Rewards Club credit cards and a range of store card and retail finance products. The Creation Everyday and other Creation-managed card accounts, including the IHG Rewards cards, were fully closed and withdrawn from the market by 1 December 2025.

The current UK travel credit card market

The travel credit card market has shifted considerably since the Creation Everyday was active. A few trends worth knowing about:

Fee-free travel is more accessible than before. Several mainstream credit cards now offer fee-free overseas spending as a standard feature, rather than as a specialist travel product. The Barclaycard Rewards card, for example, charges no foreign transaction fees and also offers 0.25% cashback, with no interest on cash withdrawals provided the full balance is repaid each month. The Halifax Clarity (now migrated from Mastercard to Visa) similarly charges no fees on overseas spending or withdrawals, though interest on cash withdrawals begins immediately.

Digital banks have changed the landscape. App-based current accounts (Starling, Monzo, Chase and Revolut) now offer fee-free overseas spending as standard on their debit cards, often with no monthly fee. For many travellers these have reduced the need for a dedicated travel credit card, though credit cards retain the advantage of Section 75 consumer protection on purchases between £100 and £30,000.

Cash withdrawal rates remain high. Despite the broader market becoming more competitive on overseas spending fees, interest rates on credit card cash withdrawals have generally risen rather than fallen.

For a comparison of cards that charge no fees on overseas spending, see our guide to Best No-Foreign-Transaction-Fees Travel Credit Cards.

Details correct as of 11 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.