Fluid credit cards
Fluid offers a range of credit cards to suit different needs, whether you’re looking for a great deal on your balance transfer or a low fee when transferring your balance. You can also transfer money to your current account interest-free (4% fee applies). Plus, Fluid offers Apply with Confidence so you can check if you’re likely to be accepted before completing your application!
- Credit Cards
- Balance Transfer
- Credit Building
- Money Transfers
|Provider||Balance transfer intro period & rate||Purchases intro period & rate||Rewards||Representative APR||Likelihood of acceptance||Actions|
Fluid Balance Transfer
29 months of 0.0% interest on transfers
3 months 0% interest on purchases
Can I get this card?Check now
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Pay no interest on your transferred balance for 29 months (2.9% fee)
Your guide to credit cards
Benefits of Fluid credit cards
Take a look at the list below to make sure you get the most out of them if you choose to become a Fluid customer.
- Fluid offers Eligibility Checking technology that allows you to pre-apply to check whether you’re likely to be accepted for a Fluid card before you apply in full
- Fraud protection 24/7
- Pay on the go with quick and secure contactless payments for up to £20
- Access your statement and manage your account easily and securely online when you register with Online Card Services
Use our free Card Matcher tool, which uses similar technology to Fluid’s Eligibility Checking technology, allowing you to check the likelihood of getting accepted before applying for a card.
- Contact Fluid
Drawbacks of Fluid credit cards
Fluid credit cards are powered by MBNA, so you won’t be able to transfer a balance from another MBNA account.
Established in 2006, Fluid is a fast growing business continuously looking for ways to improve and deliver great value to their customers.
Fluid uses the most advanced technology to make credit life easier for its customers. It was the world’s first provider to offer Apply with Confidence service which saves time and protects credit rating.
Fluid is a partnership between Media Ingenuity Group and MBNA. It can therefore benefit from Media Ingenuity’s technology and the reassurance by the financial backing and customer service capabilities of MBNA.
Credit cards terms
This is when you move an outstanding balance from one card onto another. If a card has a Balance Transfer Intro Rate it relates to the interest that is applied to the transferred balance and the duration the intro rate is applied for. So for example a 0% balance transfer intro rate for 12 months will mean that no interest will be added to your account for the balance transferred for 12 months from the date the account is opened. To qualify for the introductory rate you will need to transfer your balance within a set period from the account opening, this time limit varies by issuer. When the intro rate ends then you will be charged interest at the cards annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically that means that you must always make at least the minimum payment, on time each month, and must remain within your set credit limit.
Balance transfer fee
Sometimes also called a balance transfer handling fee, this is a charge that is applied if you do move a balance onto your new card. It is usually calculated as a percentage of the balance you wish to transfer, typically it is around 3%. So for example transferring a £2,000 balance onto your new card with a balance transfer handling fee of 3% will incur a charge of £60, this is added to the balance on the card.