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The Low Fee Balance Transfer Card

  • 0% on balance transfers made now for 12 months with a low 0.75% handling fee (for terms see product details)
  • The average Fluid cardholder could save £500 (calculate how much you’d save)
  • Bespoke Eligibility Checking technology protects your credit rating

Representative example: 18.9% p.a. variable on card purchases. This is equivalent to 18.9% APR representative variable based on a credit limit of £1200.

 

Calculate how much you could save

Current Credit Card Balance

£100 £15k

Your Annual Interest Rate
(UK average is 18.17% APR
01/2014)

5.9% 40%

Potential Saving *

Estimated saving by transferring your balance to Fluid’s 0% rate. Our calculation assumes that you would make standard minimum repayments on your stated current balance. The stated saving has already taken off the cost of the transfer fee. Please note that your total balance may be made up of smaller balances at different rates.

"This card lets you pre-apply, so you'll know your likely chance of being accepted (or not) for the 0% without marking your credit file..."

More praise for Fluid ›

Promotional Rates

0% on balance transfers for an amazing 12 months from the date your account is opened (0.75% handling fee).
For this great offer, your balances need to be transferred within the first 60 days of your account opening.

0% on money transfers for a huge 12 months from the date your account is opened (4% handling fee).
Money transfers can shift money direct to your current account. For this great offer, any money transfers need to be made within the first 60 days of your account opening.

Treat yourself: 0% on card purchases for 3 months from the date your account is opened.

 

Everyone should have a credit card this advanced

 
Unique Eligibility Checking Technology

Fluid’s unique Eligibility Checking technology saves you time and protects your credit rating by telling you whether you’re likely to be accepted before you apply in full. Lenders can’t see this “soft” search on your credit file.

 
Fraud protection 24/7

We monitor your account continuously and let you know straight away if we notice anything unusual. You won't be liable for any fraudulent use of your credit card, provided you get in touch as soon as you notice any unusual transactions or can’t find your card.

 
Contactless payments

Make secure payments faster than chip and PIN for purchases up to £20.

 
 UK based customer service helpline

Wherever you are worldwide, our customer satisfaction representatives are just a phone call away

 
Stay in control wherever you are

Advanced account management online, by text or on your smartphone. Register for Online Card Services to access your statement and manage your account easily and securely.

 

“Uniquely, this card lets you pre-apply, so you'll know your likely chance of being accepted (or not) for the 0% without marking your credit file...”

Martin Lewis MoneySavingExpert.com

“This credit card is ideal for anyone who has overdraft debt and is suffering at the hands of high interest charges.”

Confused.com

“There is a danger that you might apply for a card, get turned down, and damage your credit score as a result. That’s unless you apply for a new Fluid Card.”

MSN Money

“...(Fluid) doesn't only deal with existing credit card debt. With the money transfer option you can fix an overdraft problem too.”

Yahoo! Finance

“A great feature of this card is the ability to determine if you're likely to be approved without performing a credit check.”

Lovemoney.com