In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements

fluid Credit Card review

  • Chris Lilly's headshot
fluid Credit Card
Representative example:
Representative 34.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 34.94% p.a. (variable).
Minimum credit limit
£250
Interest-free each billing period
Up to 48 days
Account fee
£0

Our verdict

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.

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.

Pros

  • 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.

Cons

  • 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.

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements

Details

Product Overview

Issuer NewDay Ltd
Network Mastercard
Annual/monthly fees £0
Balance transfers 34.94%
Balance transfer fee 3%
Purchases 34.94%
Purchases interest-free period Up to 48 days
Money transfers 34.94
Cash advances 44.94%
Minimum credit limit £250
Maximum credit limit Subject to status: £4,000
Additional cards available 1
Potential costs 7.9Great
Extras 6.2Standard
Overall Finder Score 7.1Great

Fees and charges

Minimum monthly payment Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; £5; or the outstanding balance.
Annual/monthly fees £0
Balance transfer fee 3%
Money transfer fee 3
Foreign usage charge (EU) 2.95%
Foreign usage charge (rest of world) 2.95%
Cash advance fee 3
Late payment fee 12
Duplicate statement fee £5
Exceeding limit fee £12
Additional card fee £0
Dormancy fee £0

Application Requirements

Minimum Age 18
Minimum income £0
Residency UK resident
Availability Available to new customers
Additional Criteria You must be employed or self-employed and must not have been declared bankrupt in the past 18 months or received a CCJ in the past year.

The fluid Credit Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

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

Table: sorted by length of 0% balance transfer offer, promoted deals first
20 of 68 results
Finder Score Balance transfers Purchases Annual/monthly fees Representative APR Incentive
Finder score
0% for 12 months
(3.49% fee)
24.9
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
Check eligibility More info
Compare product selection
Finder score
0% for 20 months
(2.99% fee)
24.9
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
Check eligibility More info
Compare product selection
Finder score
0% for 17 months
(3.49% fee)
24.9
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
Check eligibility More info
Compare product selection
Tesco Bank Low Fee Balance Transfer Credit Card image
Finder score
Finder score
0% for 18 months
(0.99% fee)
24.942
£0
24.9% APR (variable)
5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
Check eligibility More info
Compare product selection
Santander Everyday No Balance Transfer Fee Credit Card image
Finder score
Finder score
0% for 12 months
(0% fee)
24.9
£0
24.9% APR (variable)
Spend with your Santander Mastercard debit or credit card in the UK or abroad from 1 Jul to 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply.
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
Check eligibility More info
Compare product selection
Tesco Bank Balance Transfer and Purchases Credit Card image
Finder score
Not yet rated
Tesco Bank Balance Transfer and Purchases Credit Card
Finder score
Not yet rated
0% for 20 months
(2.75% fee)
24.942
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
More info
Compare product selection
M&S Bank Purchase Plus Credit Card image
Finder score
Not yet rated
M&S Bank Purchase Plus Credit Card
Existing Customers Only
Finder score
Not yet rated
0% for 12 months
(3.49% fee)
24.9
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
More info
Compare product selection
Halifax 0% Purchase and Balance Transfer Credit Card image
Finder score
Not yet rated
Halifax 0% Purchase and Balance Transfer Credit Card
Finder score
Not yet rated
0% for 17 months
(3.49% fee)
26.94
£0
26.9% APR (variable)
Representative example: Representative 26.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 26.94% p.a. (variable).
More info
Compare product selection
Lloyds Bank 0% Purchase and Balance Transfer image
Finder score
Not yet rated
Lloyds Bank 0% Purchase and Balance Transfer
Finder score
Not yet rated
0% for 18 months
(3.25% fee)
26.94
£0
26.9% APR (variable)
Representative example: Representative 26.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 26.94% p.a. (variable).
More info
Compare product selection
M&S Bank Rewards Credit Card image
Finder score
Not yet rated
M&S Bank Rewards Credit Card
Finder score
Not yet rated
0% for 9 months
(3.49% fee)
27.9
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).
More info
Compare product selection
MBNA Ltd Dual 0% Transfer and Purchase image
Finder score
Not yet rated
MBNA Ltd Dual 0% Transfer and Purchase
Finder score
Not yet rated
0% for 16 months
(3.49% fee)
27.94
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.94% p.a. (variable).
More info
Compare product selection
Virgin Money Balance Transfer Credit Card (13 Mths) image
Finder score
Not yet rated
Virgin Money Balance Transfer Credit Card (13 Mths)
Finder score
Not yet rated
0% for 13 months
(0% fee)
27.9
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).
More info
Compare product selection
Virgin Money Travel Credit Card image
Finder score
Not yet rated
Virgin Money Travel Credit Card
Finder score
Not yet rated
0% for 9 months
(2% fee)
27.9
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).
More info
Compare product selection
MBNA Ltd Long Balance Transfer Credit Card image
Finder score
Not yet rated
MBNA Ltd Long Balance Transfer Credit Card
Finder score
Not yet rated
0% for 18 months
(3.49% fee)
27.94
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.94% p.a. (variable).
More info
Compare product selection
Lloyds Bank Long 0% Balance Transfer Card image
Finder score
Not yet rated
Lloyds Bank Long 0% Balance Transfer Card
Finder score
Not yet rated
0% for 18 months
(3.49% fee)
27.94
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.94% p.a. (variable).
More info
Compare product selection
Virgin Money Balance Transfer Credit Card (18 Mths) image
Finder score
Not yet rated
Virgin Money Balance Transfer Credit Card (18 Mths)
Finder score
Not yet rated
0% for 18 months
(2.25% fee)
27.9
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).
More info
Compare product selection
Virgin Money All Round Credit Card (16m) image
Finder score
Not yet rated
Virgin Money All Round Credit Card (16m)
Finder score
Not yet rated
0% for 16 months
(3% fee)
27.9
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).
More info
Compare product selection
Lloyds Bank 0% Purchase and Balance Transfer image
Finder score
Not yet rated
Lloyds Bank 0% Purchase and Balance Transfer
Finder score
Not yet rated
0% for 14 months
(3.49% fee)
27.94
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.94% p.a. (variable).
More info
Compare product selection
Virgin Money Balance Transfer Credit Card (20 Mths) image
Finder score
Not yet rated
Virgin Money Balance Transfer Credit Card (20 Mths)
Finder score
Not yet rated
0% for 20 months
(2.5% fee)
27.9
£0
27.9% APR (variable)
Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).
More info
Compare product selection
M&S Bank Purchase Plus Credit Card image
Finder score
Not yet rated
M&S Bank Purchase Plus Credit Card
Finder score
Not yet rated
0% for 9 months
(3.49% fee)
28.9
£0
28.9% APR (variable)
Representative example: Representative 28.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 28.9% p.a. (variable).
More info
Compare product selection
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Showing 20 of 68 results

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends 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. Most of the data in Finder's comparison tables is provided by Defaqto.

Repayment options

You can make manual repayments through NewDay Ltd'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 offers you this deal, it will specify a personalised credit limit based on NewDay Ltd's assessment of your situation. The minimum limit offered on the card is £250, while the maximum is £4,000. Once you've had the card for a while and shown NewDay Ltd 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 3.

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 (£172.71), it'll cost you around £5.09 in fees.

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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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