Fluid Credit Card review July 2020

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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).


Representative APR


Account fee

Up to 48 days

Interest-free each billing period


IssuerNewDay Ltd
Annual/monthly fees£0
Balance transfers0% for 9 months reverting to 34.94%
Balance transfer fee4% for 9 months reverting to 5%
Purchases interest-free periodUp to 48 days
Money transfers34.94%
Cash advances44.94%
Min credit limit£300
Max credit limitNot specified
Additional cards available1

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. 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.

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

Table: sorted by length of 0% balance transfer offer, promoted deals first
Data indicated here is updated daily
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Rep. APR Incentive Link
Fluid Mastercard
0% for 9 months reverting to 34.94%
4% for 9 months reverting to 5%
34.9% (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 APR shown represents 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

When it comes to repayments, you can make manual repayments online or over the phone (0333 414 1090), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates 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).

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
    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.


  2. 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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