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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.
While Creative Directors do not often become Executive Creative Directors, the job pays $165K per year on average. A VP or Creative Director role is the most common promotion for Creative Directors moving up the ladder, and pay for the position tends to be around the $139K mark.