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Ok, but really... In general: Creative Directors steer the ship. Art Directors (usually paired with copywriters) are the deck hands. As an art director, you can think of me as the day-to-day worker. We get a specific brief, and then generate ideas based on it. We draw and comp up rough ads.
There is no specific education needed to become a creative director in general, and requirements may vary from job to job. Many employers however, prefer to hire creative directors with knowledge of marketing techniques as well as knowledge of art and graphic design.