Fluid Credit Card review 2022

Want to clear existing card debt but don't have perfect credit? The Fluid card could help you get debt-free faster and more cheaply.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).


Minimum credit limit

Up to 48 days

Interest-free each billing period


Representative APR


Account fee


IssuerNewDay Ltd
Annual/monthly fees£0
Balance transfers0% for 9 months reverting to 34.94%
Balance transfer fee4%
Purchases interest-free periodUp to 48 days
Money transfers34.94%
Cash advances44.94%
Minimum credit limit£250
Maximum credit limitNot specified
Additional cards available1

Review by

Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

There are plenty of headline-grabbing, ultra-long balance transfer deals on the market, but the trouble is, they’re generally reserved for the very best credit scores.

Thankfully, options for “near-prime” credit are emerging and the Fluid Credit Card is one of them.

With this card you could enjoy 9 months where you’re not paying interest on any existing card debt that you bring across, but you will incur a relatively high transfer fee of 4%. However, once your grace period ends, the card then begins to charge fairly high and variable rates.

You can check your eligibility before applying, without affecting your credit score, and Newday states that you’ll get a response within 60 seconds.

If you have reasonable-but-not-fantastic credit and you’re paying interest on existing card debt, the Fluid card is a respectable option, albeit perhaps not one for the long-term. Provided you use the card responsibly and clear as much as possible of your debt during the 0% period, it could function well as a “stepping stone” product to cards with better rates.

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Pros and cons


  • Fast and straightforward application process, with a same-day decision.
  • You can get multiple cards for free and set a different spending limit on each of them.
  • No commission on non-sterling transactions.
  • Different credit card options available, with or without annual fee.


  • Credit card cashback is a premium feature.
  • Capital on Tap is only a lender, so you’ll need another bank for the rest of your financial needs.

Compare against other balance transfer credit cards for less-than-perfect credit

Table: sorted by length of 0% balance transfer offer, promoted deals first
1 - 4 of 4
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
Aqua Classic Balance Transfer Card
0% for 6 months reverting to 34.95%
3% (min. £3)
34.9% APR (variable)
Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
Capital One Balance Transfer Mastercard
0% for 6 months reverting to 34.94%
0% for 3 months reverting to 34.94% (subject to eligibility)
34.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
Fluid Credit Card
0% for 9 months reverting to 34.94%
34.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
Post Office Classic Card
0% for up to 12 months reverting to 34.94%
0% for up to 12 months reverting to 34.94%
34.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through Fluid's app, by logging in to your online banking or over the phone(0333 414 1090). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and damaging your credit score – making it harder and more expensive to borrow money in the future – and getting hit with a penalty fee (£12) as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Fluid Credit Card

First check your eligibility – you can do this on the Fluid site using its "FastCheck" service. This doesn't take long and it won't affect your credit rating, because it uses a "soft" credit search. If this indicates that your application would have a good chance of success, you can go ahead and apply. The folks over at Fluid will then request a "hard" search of your credit file – as any responsible lender would – which has a small, usually short-lived negative effect on your score.

You'll get a response "in minutes", and provided it's good news, your card should be with you within 14 days. Don't forget to sign the back and activate the card (call 0808 156 6590).

Frequently asked questions

What credit limit will I get with the Fluid Credit Card?

If NewDay Ltd is able to offer you this deal, the offer will specify a personalised credit limit based on NewDay Ltd's assessment of your situation. The minimum limit offered on this card is £250 and NewDay Ltd does not specify a maximum. Once you've had the card for a while and shown NewDay Ltd that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Fluid Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Fluid Credit Card is 5% (min. £4). For example, if you withdraw £50, you'll incur a fee of £4.00. Withdraw £250, and you'll incur a rather painful fee of £12.50.

The interest rate on this part of your balance will be 44.94%, which is 29% more than the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 48 days interest-free" grace period won't apply).

How much does it cost to use the Fluid Credit Card abroad?

Non-sterling transactions are subject to a 2.95% charge. For example, if you spend 200 euros (£176.01), it'll cost you around £5.19 in fees.

What is the minimum payment on the Fluid Credit Card?

Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt.

Can I transfer money from the Fluid Credit Card to a bank account?

Yes. That's what's known as a "money transfer" (rather than a "balance transfer") in credit card jargon. You can arrange this from your online banking or using NewDay Ltd's app. This part of your card balance will incur interest of 34.94%. The fee for a money transfer is 3% (min. £3).

Finder credit card ratings

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★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score credit builder credit cards to determine their value against similar products on the market. We look at a number of important factors, like interest rates, credit limits, features to help you track your credit, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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  1. Default Gravatar
    August 8, 2020

    Do fluid credit cards charge interest if you clear the balance each month

    • Avatarfinder Customer Care
      August 12, 2020

      Hi Deb,

      Thanks for your question. No, as with most credit cards, you shouldn’t be charged any interest on your Fluid credit card if you pay off your full balance on time each month. You’ll also have up to 48 interest free days on purchases, but will then be charged at quite a high interest rate, so it’s important to try to clear your balance on time.

      I hope this helps, but please let me know if you have any other questions.



  2. Default Gravatar
    May 5, 2019

    How do I apply for the credit card?

    • Avatarfinder Customer Care
      May 6, 2019

      Hello Ann,

      Thank you for your comment.

      To apply for the Fluid Credit Card, please visit their website and click Check Eligibility box before sending an application.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.


  3. Default Gravatar
    December 17, 2018

    Can I check if I’m eligible?

    • Avatarfinder Customer Care
      December 19, 2018

      Hi laura,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, you can check your eligibility by using the eligibility checker found on Fluid’s website. Checking your eligibility won’t affect your score.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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