Fluid Credit Card Review 2025 | Is Fluid Credit Card for Bad Credit?

If you are struggling with existing credit card debt and have a low credit score, the Fluid credit card might sound like a useful solution. Designed by NewDay, a UK-based credit provider known for helping people rebuild their credit score.

But is the Fluid credit card really a good choice if you are trying to fix your credit? Or are there better balance transfer options out there?

In this Fluid credit card review , we will look at its features, fees, eligibility criteria, and compare it with other cards in the market to help you decide.

What is Fluid Credit Card?

The Fluid credit card is a balance transfer credit card offered by NewDay Ltd., a financial institution known for creating cards for people with limited or poor credit histories.

It’s specifically designed for those dealing with high-interest debts on other cards and needing some time to pay them off without accumulating more interest. Zilch Credit Card Review

So, instead of paying high interest every month, Fluid allows you to transfer balances from other cards and pause interest for 9 months. This will enable you to catch up financially and possibly build a better credit profile if you make regular payments.

While it’s not the most generous offer out there, it stands out because it accepts applicants with slightly impaired credit which most mainstream cards don’t.

Key Features of the Fluid Credit Card

Here is a detailed overview on the features of the Fluid credit card in 2025:-

0% Interest on Balance Transfers for 9 Months

You won’t pay any interest on balances you transfer for the first 9 months. This allows you to pay off what you owe faster, but you must stay disciplined and make regular payments.

60 Days to Make Balance Transfers

You have 60 days from opening the account to transfer your balances and get the 0% interest offer. After that, transfers won’t qualify for the deal.

Balance Transfer Fee

• Within the first 60 days: You’ll pay a 3% fee on the transfer amount.
• After 60 days: The fee goes up to 5%.

High APR After 9 Months

If you still have a balance after the 9 months, it will start collecting interest at a high rate of 34.90% (variable). Clear your balance before the 0% offer ends to avoid paying extra.

Credit Limit £250 to £4,000

Your starting credit limit depends on your credit history. If you’re new to credit or rebuilding, expect a limit closer to £250.

No Annual Fee

There’s no yearly fee to keep this card, which is great if you just want to use it for balance transfers or credit building.

Unlimited Transfers in the First 60 Days

You can transfer as many balances as you like within the first 60 days, as long as:

• Each transfer is at least £100, and
• Your total transfers stay within 90% of your credit limit.

These features are fairly standard for a card designed for credit building—though the short 0% interest period and high APR make it less competitive than some mainstream balance transfer cards.

Who is Eligible for Fluid Credit Card?

The Fluid credit card is built for people with less-than-perfect credit, but that doesn’t mean everyone will qualify. Let’s take a look at the basic eligibility requirements:

• You’re 18 years or older
• You live in the UK at a permanent address
• You have a UK bank account or building society account
• You have no bankruptcy proceedings currently against you

You’re not eligible if

• You have declared bankruptcy in the past 18 months
• Had a County Court Judgement (CCJ) in the past 12 months
• Already taken out another NewDay card (like Aqua, Marbles, or Opus) within the past 12 months
• You try to transfer a balance from another NewDay card—this is not allowed, even if it’s older than a year

So, if you have recently had major credit issues or already own another card from NewDay, your application could be rejected.

But if you’ve been trying to get back on track financially, this card might be a stepping stone toward rebuilding your credit.

Is Fluid Credit Card Good for Building Credit?

Yes, the Fluid credit card is technically a balance transfer card, but it’s also a solid tool for credit rebuilding. Pulse Credit Card Reviews

Here’s how it works inorder to build your credit profile:-

• If you are paying a lot of interest on your current cards, Fluid lets you pause that interest for 9 months.
• During that time, you can focus on clearing the debt.
• Your credit history improves as long as you make regular monthly payments on time.
• Your credit utilization (how much of your limit you use) stays in check, boosting your score over time.

This credit-building ability of the Fluid Credit card depends heavily on how you use it. If you miss payments or don’t repay your balance before the 0% period ends, the high 34.90% APR can make things worse.

On the other hands if you use it responsibly and pay off all your dues then this card actually helps to improve your credit score.

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Fluid Credit Card Pros and Cons

Let’s quickly look at the advantages and disadvantages of the Fluid credit card so you can decide whether it fits your needs.

✅ Pros	❌ Cons
Helps pay off debt faster with 9 months of 0% interest on balance transfers	Short 0% period – only lasts 9 months, shorter than many other cards
No annual fee – you don’t have to pay just to keep the card	High interest rate – 34.90% APR after the introductory period
Easier to get approved if you have poor or fair credit	3% balance transfer fee – higher compared to some other cards
Unlimited balance transfers during the first 60 days (up to 90% of your credit limit)	Low starting credit limit – could be as low as £250
Can help rebuild your credit score if you make payments on time	No transfers allowed from other NewDay, store, or business cards

If you can clear your balance within the interest-free window, this card can give you a fresh start. But if you carry a balance beyond 9 months, that high APR will start biting into your finances.

How to Apply for the Fluid Credit Card?

Applying for the Fluid Credit card is quite simple. It enables you to go through a soft eligibility check without impacting your credit score. Jaja Credit Card Review

Follow the step by step process to apply for the card:-

• Visit the official website
• Fill the necessary detail as show in the screen and click on continue button.
• If you pass, you will be directed to the full online application.
• If accepted, will receive Fluid card by post in just a few business days.

Pro Tip: Always check your eligibility before applying to avoid unnecessary credit score hits and to increase your chances of approval.

Managing Your Payments with the Fluid Credit Card

Fluid credit offers multiple option to manage your credit card easily.

• A dedicated Online Account Manager
• Customer support over the phone
• Easy-to-view transaction history
• Quick options to set up Direct Debit for minimum or full balance payments

Set up alerts and automatic payments, you can avoid late fees and protect your credit score.

Conclusion

If your credit score is not good and struggling under high-interest debt from other cards, the Fluid credit card could be a helpful tool.

It gives you 9 months of breathing room to tackle that debt interest-free as long as you act fast and transfer balances within 60 days.

However, compared to other balance transfer cards, Fluid’s offer is on the shorter side, and the APR is quite high.