Fluid credit card review UK, 9 months interest-free balance transfers to rebuild your credit score
Use 9 months of 0% balance transfers on the Fluid credit card to get your UK credit score back on track
Who the Fluid credit card is for
The Fluid credit card is aimed at people in the UK with slightly impaired credit who need a sensible way to tackle existing debt. If your credit score isn’t perfect but you want to reduce interest costs, this card’s 9 months interest-free balance transfers make it a practical option.
It’s a straightforward product from NewDay that accepts applicants who might be declined elsewhere. With limits typically from £250 to £2,500 and flexible acceptance, the Fluid credit card can be the stepping stone to rebuild your credit score when used responsibly.
Costs, APR and balance transfer fee
There’s no annual fee, but bear in mind the 4% balance transfer fee and a representative APR of 34.94% variable once the interest-free period ends. That balance transfer fee is higher than some competitors, so calculate whether the interest saved outweighs the upfront charge.
The key is to use the interest-free window to pay down balances. Because the post-intro APR is steep, failing to clear transfers within the 9 months could cost you more, undermining the goal of improving your credit score in the UK.
Making the most of the 9 months interest-free
Make a plan to repay transferred balances within the 9 months interest-free period. Set up a direct debit through the Fluid Online Account Manager to avoid missed payments — punctual payments are essential to rebuild your credit score and improve your chances of higher limits later.
Remember you can perform unlimited balance transfers in the first 60 days (min £100, up to 90% of your limit), so consolidate where it helps most. Use that breathing space to prioritise high-rate debts and reduce overall credit utilisation, a major factor in UK credit scoring.
Applying, eligibility and practical tips
Check eligibility first with Fluid’s online soft-search tool so you won’t leave a footprint on your credit file. The full online application is quick, and many applicants get an almost instant decision — handy if you need to act fast to move balances across.
Keep an eye on the balance transfer fee and the 34.94% variable APR after the intro period. Compare alternatives like Capital One or MBNA when possible, but if you’ve got imperfect credit the Fluid credit card can be one of the few realistic balance transfer routes to help rebuild your score.
