Fluid Credit Card: Help Your Finances Flow with Smart Balance Transfers
The Fluid Credit Card is designed to help you cut the cost of your monthly credit card bill by offering 0% interest on balance transfers for 9 months, giving you more time to clear your debt and get back on track.
The Fluid Credit Card is specifically designed for UK residents who want to take control of their credit card debt and reduce the burden of high interest charges. When you're struggling with a credit card balance where most of your monthly repayments go towards interest rather than reducing the principal amount, Fluid offers a practical solution. By transferring your existing balance to a Fluid card, you can take advantage of a 9-month interest-free period on the transferred amount, allowing more of your repayments to go towards clearing your debt and helping you get back on track financially.
Save Money with 0% Balance Transfers
The cornerstone benefit of the Fluid Credit Card is its 0% interest rate on balance transfers for the first 9 months from account opening. This promotional offer allows you to transfer balances from other credit cards where you're currently paying interest, and benefit from a substantial period without any interest charges accruing on the transferred amount. A 3% balance transfer fee applies to any amounts transferred, but this is typically far less than the interest you would pay on a standard credit card over the same period. This feature can save you hundreds of pounds in interest charges, particularly if you have a significant balance on high-APR credit cards.
Check Your Eligibility Without Affecting Your Credit Score
Before committing to a full application, you can use Fluid's FastCheck eligibility checker to see whether you're likely to be approved for the card. This quick and easy process takes just 60 seconds and uses a soft credit search, which means it won't appear on your credit file and won't affect your credit rating. This feature is particularly valuable as it allows you to make an informed decision about applying without the risk of a hard credit check impacting your score unnecessarily. The FastCheck tool gives you confidence and transparency, helping you avoid unsuccessful applications that could harm your creditworthiness.
Calculate Your Potential Savings
Fluid provides an interactive calculator on their website that helps you understand exactly how much you could save by transferring your balance. By entering your current balance, your existing interest rate, and your planned monthly repayment amount, you can see a clear illustration of the potential interest savings compared to keeping your balance on your current card. This transparency helps you make an informed decision about whether a balance transfer to Fluid is the right financial move for your circumstances. The calculator demonstrates how the 0% promotional period allows more of your money to go towards reducing your actual debt rather than servicing interest charges.
Flexible Account Management
Managing your Fluid Credit Card is straightforward thanks to the comprehensive Online Account Manager, accessible 24/7 from any device. Through this secure portal, you can view your statements, track your balance and transactions, make payments, set up and manage Direct Debits for automatic payments, and update your personal details as needed. The online platform also offers free text alerts to keep you informed about important account activity, helping you stay on top of your finances. You can also access online credit health tools that provide insights into your creditworthiness and offer guidance on improving your financial position over time.
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Making Balance Transfers Simple
To take advantage of the 0% balance transfer offer, you must request the transfer within the first 60 days of opening your Fluid account. The balance transfer process is straightforward and can be initiated through the Online Account Manager or by contacting Fluid's customer service team. You'll need to provide details of the credit cards you wish to transfer balances from, including account numbers and the amounts you want to transfer. The maximum balance you can transfer cannot exceed 90% of your credit limit (including the 3% balance transfer fee), ensuring you maintain some available credit on your Fluid card.
Additional Features:
Important Information
Representative Example: Representative 34.9% APR (variable). Interest rate for purchases: 34.94% p.a. (variable), based on an assumed credit limit of £1,200. The APR and credit limit applicable to your account will depend on our assessment of your application.
Balance Transfer Offer: 0% interest on balance transfers for 9 months from account opening (3% fee applies). Introductory balance transfer offers must be made within the first 60 days of account opening for new customers. After the promotional period ends, your standard purchase rate will apply to any remaining balance.
Eligibility: Credit only available to UK residents aged 18 and over, subject to status. Terms and conditions apply.
Important Warning: If you don't make repayments on time or stay within your credit limit, you will pay extra charges, forfeit the 0% offer, and getting credit in the future may be harder and more expensive. Only borrow what you can afford to repay.
NewDay Ltd provides credit for the Fluid card. Fluid is a registered trade mark of NewDay Cards Ltd. NewDay Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 690292).