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Creation closes the two IHG One Rewards UK credit cards for good

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Creation Financial Services and IHG are officially parting ways, which spells the end for Creation’s IHG One Rewards credit cards.

Whilst the two cards have been closed to new applicants since the end of 2021, existing cardholders were able to continue earning IHG One Rewards points on transactions (unless, of course, your account was suspended.)

More importantly, existing cardholders were able to keep receiving free elite status in IHG One Rewards and picking up a voucher for a free night each year for spending £10,000.

Creation closes the two IHG One Rewards UK credit cards for good

Creation has now given notice that it will close the IHG One Rewards credit cards on 28th June. Anyone with an IHG card will be moved to the generic Creation credit card, which appears to have no benefits whatsoever.

Whilst you will still be charged your annual card fee between now and 28th June, Creation says it will automatically process pro-rata refunds by the end of July 2023.

In the meantime, your existing card will continue to work until 27th June. You need to spend £10,000 by this date to trigger your final annual free night voucher, which will be difficult for many.

How can you keep your IHG One Rewards status for 2024?

If you are concerned about losing your IHG One Rewards status, remember that InterContinental Ambassador comes with IHG One Rewards Platinum Elite status.

It will cost you $200 per year to join but this includes a ‘buy one get one free’ weekend stay voucher valid at InterContinental hotels plus extra benefits on future InterContinental stays.

What should you do to replace your IHG credit card?

I don’t know of any plans to launch a replacement IHG credit card – we’ve not heard anything from IHG or from our regular chats with key issuers. That said, we had a request from a surprising source for our advertising rates a couple of weeks ago so who knows?

Creation closes the two IHG One Rewards UK credit cards for good

There are two other ways to earn IHG One Rewards points from UK credit cards:

HSBC Premier

The two HSBC Premier credit cards let you transfer points into IHG, but this is a terrible deal. HSBC transfer rates into airlines are good value but the two hotel partners, IHG and Wyndham, are a terrible deal.

Here is our review of the free HSBC Premier Mastercard and here is our review of the paid-for HSBC Premier World Elite Mastercard. Both reviews explain how the IHG transfers work.

Remember that you need a HSBC Premier current account to apply for these credit cards, which requires a £75,000 salary or a substantial savings commitment to the bank.

Virgin Atlantic

Not everyone knows that Virgin Points can be transferred into IHG One Rewards. The rate isn’t great (1:1) and indeed is worse than their other deal with Hilton Honors (2:3).

The free Virgin Atlantic Reward Mastercard earns 0.75 Virgin Points (so 0.75 IHG points) per £1 spent – review here. The paid-for Virgin Atlantic Reward+ Mastercard earns 1.5 Virgin Points (so 1.5 IHG ponts) per £1 spent – review here.

Remember that you will get better value using Virgin Points for flights. In fact, any redemption via Virgin Red – even for Greggs sausage rolls – would get you 0.5p per Virgin Point which is better value than transferring to IHG One Rewards.

And if you want a total change ….

If you’re looking for another non-Amex card then Barclaycard is currently offering 50,000 Avios on their Avios Plus Mastercard. There is also an offer of 10,000 Avios on the free Barclaycard Avios card. You can apply here.

Want to earn more points from credit cards? – June 2023 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 13th June, the sign-up bonus on The Platinum Card is doubled to 60,000 Membership Rewards points – and you get £200 to spend at Amex Travel too! Apply here.

SPECIAL OFFER: Until 13th June, the sign-up bonus on the Virgin Atlantic Reward+ card is doubled to 30,000 Virgin Points. Apply here.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

60,000 points AND a £200 Amex Travel voucher until 13th June! Read our full review

Virgin Atlantic Reward+ Mastercard

30,000 points bonus (to 13th June) and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

40,000 points bonus and a £200 Amex Travel credit every year Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback and no annual fee Read our full review

Comments (107)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Dani says:

    Appalling bad company. Had numerous purchases blocked on “security concerns”. This was after using ID, password, passcode and 2FA. Lots of questions to allow transaction to proceed. Security is obviously important but it has to be properly thought out, sensible and does actually enhance safety of the account. Absolutely no reason to go with their own card in future.
    Statements missing renewal date and spend towards £10K free night.

    • ToryatSea says:

      I have had many of those “security concerns” too and then when you call you just sit on hold for ages. Will be very happy to cancel my creation card. Very poor service from them. IHG should never have worked with them

  • Christian says:

    I’m so pleased and like to think that my complaint (along with all the others) currently progressing slowly through the Ombudsman played a small part in the decision

    • QFFlyer says:

      Same. I find it ironic that they’ve decided to close the card to all now, but with an offer and terms that would probably have satisfied the majority of those who have complaints with FOS right now. What a waste of resources, but such is life.

      • Kowalski says:

        I don’t trust them to deliver on the annual free night voucher and pro-rata refunds of the annual fee.

  • Dug says:

    As others have said, the card was frustrating to use due to never knowing whether it would process the transaction or time out due to the inconsistency of its authorisation processes. Will use until the 27th June and then cancel. Good article on the alternatives.

  • Nick says:

    Coincidentally, almost immediately after reading this original post last week, my IHG card was blocked. I can’t access it via the App or website, which is normal < but poor practice as I can't even see what transactions are outstanding.

    The App suggests 0371 376 9236 but no one ever picks up (after several calls Friday, Saturday & Monday).
    This number (on the website) 0121 712 5703 is no longer connected.

    Is this a way to accelerate the removal of IHG members from Creation's services?

    • Chris says:

      They don’t reply to messages on the “contact us” page either, so I’ve lodged a complaint. Guess what? They haven’t responded!

  • Nick says:

    So after a week of trying to get hold of anyone at Creation, I feel that there’s nothing left but a complaint to

    I’ve received a statement balance by Text, but no way to verify if the latest payment was or wasn’t fraudulent ☹️

    What’s the worst .. My card is blocked, and they are dropping the card in June anyway.

    Anyone got good advice on alternate cards? I’ll loop back through this thread for options.

  • Eric Joseph says:

    My anniversary month is November. I have already reached my £10K target. Does anyone know how soon my free Anniversary Night will be awarded following closure of my card? I no longer see a need to hold onto the card, and I was hoping to use\ the free night for a holiday planned this September.

  • PaulS says:

    Somewhat disappointed that there has been no comment from IHG – I was informed by creation that this was ending and when I contacted IHG , well I might as well have talked to the wall.
    For a global brand you would think they would have their ducks in a row with a replacement or at least some form of communication – IHG’s loss if I don’t get points I don’t spend In their hotels

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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