Fluid credit card review

2 min Read Published: 30 Apr 2024

Fluid credit card reviewIf you would benefit from a card with an interest-free balance transfer period but have a less-the-perfect credit score, the Fluid credit card could be a good option.

The Fluid credit card doesn't enjoy the same extended introductory period as some cards in the balance transfer category, but could help improve your credit profile if used responsibly.

Key facts about the Fluid credit card

  • Best for: those with slightly impaired credit
  • Introductory offer: Interest-free for 9 months on balance transfers
  • Representative APR: 34.90% variable
  • Fees: No annual fee, 3% balance transfer fee
  • Perks: No specific bonuses
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Pros of the Fluid credit card

  • It's one of the few balance transfer cards available to those with slightly impaired credit and could help you pay off existing debt over the introductory interest-free period
  • You can make unlimited balance transfers during the first 60 days after opening the account, although the minimum transfer is £100 and you can only transfer up to 90% of your credit limit

Cons of the Fluid credit card

  • The 3% balance transfer fee is high compared with some of its competitors
  • It has a relatively high APR of 34.90% (variable) when the introductory period comes to an end, as well as for purchases
  • The credit limit is subject to status and could be as low as £250
  • You cannot transfer balances from store cards, any other card provided by NewDay, American Express, Pre Paid, Cashplus or Business credit cards

How to manage your payments on the Fluid credit card

Cardholders can manage their account through the Fluid Online Account Manager or over the phone

How to find out which credit card is best for you

Money to the Masses has partnered with Creditec* to help find the best credit card for you. By entering a few basic details, you will be able to see a tailored list of the best credit cards based on your individual circumstances. You can sort your results by the feature that interests you most, such as by card type, total fees or cashback offered. On top of this, the credit cards that have been pre-approved for you will be highlighted, meaning you can be more confident that you will be accepted if you apply. (Pre-approval does not guarantee acceptance and is still subject to additional lender checks). Your details will be used to conduct a soft credit search often referred to as an eligibility check, which means your credit score will not be affected. Click on this link to get started*.

How to apply for the Fluid credit card

The first step is to complete the Fluid eligibility checker which does not leave a footprint on your credit report. If successful, you will be guided through to the online application process, with an almost instant response

Alternatives to the Fluid credit card

Capital One Balance Transfer credit card 

MBNA 0% Transfers and Purchases credit card

Sainsbury's Dual Offer credit card


If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.