Creation is a relatively new entrant to the UK credit card market spotting a gap that was opening up between the profiles of people that the high street banks were willing approve credit cards to, and the demand from customers in the UK market. In many cases Creation does offer slightly higher APR levels, but in return they will take on a slightly riskier customer than the high street banks. Their balance transfer offers and cash back offers are usually very close to what you would find on the high street, presenting a very competitive alternative.