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Fluid credit cards

Thinking of taking out a Fluid credit card? Read our guide on which kinds of credit cards they offer.

Thinking of taking out a Fluid credit card? Read our guide on which kinds of credit cards they offer.

Who is Fluid?

Fluid - part of the NewDay Group - is a credit card provider that aims to give its customers the chance to get on track with their credit card payments. 

It offers 0% interest on balance transfers for the first nine months, which may help people who want to clear their existing debt and manage their credit more effectively.

Which is the best Fluid credit card for me?

Fluid offers a balance transfer credit card. Whether this is right for you depends on your individual circumstances and what you want to use a credit card for.  

The card has an initial credit limit of £250-4,000. You can transfer balances up to a maximum of 90% of your credit limit (including the 3% fee for each transfer). You need to make sure you make your payments on time and stay within your credit limit, or you’ll lose the 0% rate.

The typical APR is 34.9% variable. But be aware that this a representative rate only. The actual rate you’re offered will depend on your individual circumstances. 

A few other key features include:

Transfer multiple balances 

With a Fluid credit card, you can transfer multiple balances of £100 or more from UK credit cards – excluding store cards, NewDay, American Express, Pre Paid, Cashplus or business credit cards. There’s a fee of 3% of the amount of each balance you’re transferring. 

To take advantage of the 0% interest offer, transfers must be made within 60 days of qualifying, and your total transfer value mustn’t exceed 90% of your available credit. 

You can also use your Fluid card to make purchases and withdraw cash. However, interest will be charged on these transactions from the date that they’re added to your account until the card’s balance is repaid in full. 

For that reason, Fluid recommends its credit card as a way of managing existing debt more effectively, rather than making new purchases.

Why choose Fluid?

The Fluid credit card offers:

Flexible repayment options

You can make minimum monthly repayments or Boosted payments - to help you clear your balance faster. Or you can pay the full outstanding balance.

Easy online management 

With Fluid’s Online Account Manager tool you can see your transactions, make payments, view your PIN and update your details. 

Are there any charges?

Charges for using your Fluid credit card include:

  • 3% fee for each balance transfer (minimum £100)
  • Money transfer fee of up to 3% (minimum £3)
  • Cash transaction fee of 5% (minimum £4)
  • Foreign transaction fee of 2.95% (plus the cash transaction fee for cash withdrawals abroad)
  • Late or returned payment fee of £12
  • Overlimit fee of £12
  • £5 charge for paper statements (up to a maximum of £10 per request)

Why compare credit cards with Compare the Market?

Compare credit cards from 19 providers[1]

See your credit card eligibility in less than 4 minutes[1]

Check your eligibility without harming your credit score

[1] Correct as of June 2024.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

How well is Fluid reviewed on Trustpilot?

In March 2024, Fluid was rated 4.1 on Trustpilot. The score 4.1 corresponds with the star label ‘Great’.

See Fluid’s current Trustpilot rating

Frequently asked questions

How long does it take to get a Fluid credit card?

Once you've been approved, your credit card will arrive within 14 days.

Can I get a Fluid credit card with bad credit?

Possibly, yes.

Fluid will take a close look at your circumstances to decide if you’re eligible for its card, even if you’ve been refused credit elsewhere. It’s always a good idea to see if you can improve your credit score before taking on more debt, though.

How to contact Fluid

For general customer enquiries, you can call Fluid on (+44) 0333 414 1090, 9am-6pm, Monday to Friday, and 9am-4pm Saturdays.

How do I apply for a Fluid credit card?

You can apply for a credit card online via Fluid’s website. You can also use our handy eligibility checker to see what cards you’re likely to be eligible for without harming your credit score.