Low Fee Balance Transfer Card

  • 0% on balance transfers for 15 months with a low 1.5% handling fee
  • 0% on money transfers to your current account for 15 months
  • 0% on card purchases for 5 months

Representative example: Assumed credit limit of £1,200, 15.9% APR representative (variable). Purchase rate 15.9% p.a. (variable).

Find out how much interest YOU could save if you transferred your credit card balance to FLUID

£0£15,000
5.9%40%
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Savings are calculated on how much you could save during Fluid’s 24 month interest free period. This saving is based on applying your current rate and credit card balance, including minimum repayments, over the same time period.

The balance transfer fee you would pay is deducted from total savings.

Note that your total balance may be
made up of smaller balances at
different rates.

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You could save

Apply with Confidence

Fluid is the first credit card anywhere to offer Apply with Confidence, a technological breakthrough that checks if you are likely to be accepted without affecting your credit rating.

Using Apply with Confidence you can...

  • Pre-check your likelihood of acceptance for the Fluid Card before you make a full application
  • Save time by knowing you’re unlikely to make a wasted application
  • Protect your credit rating from a failed application

If you're unlikely to be accepted for Fluid, the Apply with Confidence technology suggests alternative products that you're more likely to be accepted for.

Product features

  • 0% on balance transfers for 15 months with a 1.5% handling fee from the date your account is opened. For this great offer, your balances need to be transferred within the first 60 days of your account opening.
  • 0% on money transfers for 15 months from the date your account is opened (4% handling fee). For this great offer, any money transfers need to be made within the first 60 days of your account opening.
  • 0% on card purchases for 5 months from the date your account is opened.

What the press are saying

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

.. a great transfer rate as some cards can change as much 3.9% to do the same thing...

LoveMoney.com

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

Yahoo! Finance

Benefits

  • No Annual Fee
  • Contactless payments: You can pay quickly and securely for purchases up to £20 without entering your PIN.
  • Fraud protection: You will not be liable for fraudulent transactions online or on the high street (including contactless transactions), providing you get in touch as soon as you notice any unusual transactions, or you can't find your card.
  • Online Account Management: Register for Online Card Services to access your statement and manage your account easily and securely online.
  • UK-based customer service helpline: Wherever you are worldwide, whenever you need them, customer satisfaction representatives are just a phone call away.
Apply Now>

Interest savings quoted are calculated on how much you could save during Fluid’s interest free period, including minimum repayments and deducting the handling fee. The saving amount is based on the average Fluid balance transfer amount and average credit card interest rate accurate as of the month we calculated it.