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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the simple and quick application process, as well as the user-friendly app that makes managing their accounts easy. People find the service effective, with clear statements and convenient payment options, including direct bank transfers. Many reviewers value the ability to monitor their spending and easily match it against claims. Consumers report that the company offers decent credit limits and is helpful for credit building. Some users have received periodic credit limit increases, which they see as a reward for responsible use. Reviewers also praise the company's helpful and friendly customer service, noting that representatives are quick to resolve any issues.

Based on these reviews

Rated 4 out of 5 stars
Invited

easy application process, quick decision. however, surprised by length of time card arrived. although, balance transfer was straightforward. so far, so wonderful....

Company replied

Rated 4 out of 5 stars
Invited

Brialliant atm just started with these guys. 4 star service in as little as 6 months the next review I’m expecting it to be 5 stars

Company replied

Rated 4 out of 5 stars
Invited

It was good experience but fund transfer charges are high and also apr period is short as compare to other credit cards

Company replied

Rated 4 out of 5 stars
Invited

My experience with fluid was very good. I applied for the card, they checked my credit and within a few minutes I was approved.

Company replied

Rated 5 out of 5 stars
Invited

I am very impressed with how my card is put on stop whenever they believe a transaction on my card could be suspect. This increases my confidence that the card will not be subject to misuse. Howev... See more

Company replied

Rated 5 out of 5 stars
Invited

All dealings with fluid have been first class. I've been given appropriate and valid credit limit rises, which are manageable and convenient. The app is excellent and keeps you informed of everythi... See more

Company replied

Rated 5 out of 5 stars
Invited

I have always had good service with Fluid. Reasonable, fair rates and good promotional offers. Discounts/offers are nice to have - it's a good idea to keep an eye on these so you don't miss out. Good... See more

Company replied

Rated 5 out of 5 stars
Invited

I can't recommend this credit card enough! It's truly excellent for all your daily needs. I've been using it consistently and it's made my life so much easier. I've already told my family and friends... See more

Company replied

Rated 5 out of 5 stars
Invited

Excellent service. Card always works although locks on statement date until minimum payment made. Very reliable card. Interest rates however quite high at 38 to 45 per cent but not uncommon these da... See more

Company replied

Rated 5 out of 5 stars
Invited

I have had my Fluid credit card for some time now, and I can honestly say they are excellent. Throughout my time with them, they’ve given me periodic credit limit increases, which shows they value and... See more

Company replied

Rated 5 out of 5 stars
Invited

Easy to use , and to build you credit score back up and increase the credit once your in control you money . Excellent service .

Company replied

Rated 5 out of 5 stars
Invited

I’ve been with this company for a long time and find them excellent to deal with. From balance transfers at zero percent interest to giving little perks for loyalty. Where in this age do you find cred... See more

Company replied

Rated 5 out of 5 stars
Invited

Its been my most helpful card. For management, easy online, up's repayments when Ive used it. Its helped my credit rating and also by increasing the limit periodicalky whwn I spend and pay off. A good... See more

Company replied

Rated 5 out of 5 stars
Invited

My application with fluid was processed quickly and easily. I have downloaded their app which is straightforward to use.

Company replied

Rated 3 out of 5 stars
Invited

After paying into the account I received 2 emails stating the minimum payment was zero , but yet on the app it still stated ( even today as I write) the minimum payment of …… is due on the 18th , I... See more

Company replied

Rated 5 out of 5 stars
Invited

I needed a zero % credit card to pay off another card with high interest Fluid helped me and I paid at a rate I could afford

Company replied

Rated 3 out of 5 stars
Invited

Good for balance transfers if you're credit rating isn't great. Longer periods would help considerably more . Beware of high interest rates after your promotion finishes . I've given 3 stars as the... See more

Company replied

Rated 5 out of 5 stars
Invited

The fluid app is absolutely brilliant and so easy to use. There are options to pay the credit card if no direct debit is set up. My favourite feature is that payments show on the account instantly and... See more

Company replied

Rated 5 out of 5 stars
Invited

The Fluid credit card is a flexible and convenient payment tool that keeps up with the pace of modern life. With its wide acceptance network and secure payment options, you can shop comfortably while... See more

Company replied

Rated 5 out of 5 stars
Invited

Application process was simple and straightforward. All relevant information very easy to understand so I could an informed decision on whether to proceed. App very easy to use and understand. Simple... See more

Company replied

Rated 5 out of 5 stars
Invited

A useful card with an odd name and colour but with excellent balance transfer deal and effective online service. High interest rates mean best used for BTs and then as an everyday card to pay off each... See more

Company replied

Rated 5 out of 5 stars
Invited

The card gives flexibility and it’s handy if you haven’t got any money at the time you need it

Company replied

Rated 5 out of 5 stars
Invited

Excellent customer service from the Customer Representative. Friendly helpful informative and assisted me with my inquiry so that my request was carried out as asked for. 10 out of 10. However, mor... See more

Company replied

Rated 5 out of 5 stars
Invited

They provide good credit limit in my opinion. Makes planning and repayment easy with more credit on card. Increased limit can come later perhaps. They have been brilliant with me.

Company replied

Rated 5 out of 5 stars
Invited

I’m very happy with my Fluid credit card & the way I’m given the freedom to use this as and when I need to . Knowing any assistance I need from NewDay ltd is only an E. Mail or phone call away.

Company replied

Rated 5 out of 5 stars
Invited

Always very helpful if I've ever had a problem. Always solved it. When I call I get a real person. They let you know what's happening and always kept up to date. Would highly recommend.

Company replied

Rated 5 out of 5 stars
Invited

Very easily accepted, great credit limit, easy to use the app clear navigation in it. Good interest rates too helped me out big time great for credit building :)

Company replied

Rated 5 out of 5 stars
Invited

Absolute great service I originally got this as my first credit card and haven't looked back since. Highly recommend it to anyone who was in the same situation as me and need their first step into cr... See more

Company replied

Rated 5 out of 5 stars
Invited

The company I work for operate an ' out of pocket ' expenses policy - many now do this IE no company card - you incur expenses and claim back - it's viewed as tempering your inclination to spend and... See more

Company replied

Rated 5 out of 5 stars
Invited

Meaning and varied offers. Like every time I go to the app there's something new. Easy to get customer support.

Company replied

Rated 5 out of 5 stars
Invited

The guys at fluid are great, any time I have had to call them they have always been great to talk to and more importantly they listen to what you have to say and have always resolved my problems, can’... See more

Company replied

Rated 5 out of 5 stars
Invited

Fluid card company have been fantastic i have been using them for years, the card helps me to do balance transfers ,loans and credit card .. 💳

Company replied

Rated 5 out of 5 stars
Invited

From the start everything has been straightforward and completely easy to set up and I have encountered no problems, the balance tranfers went well and it was easy to set up the direct debit for payme... See more

Company replied

Rated 5 out of 5 stars
Invited

they keep you up to date ,there card is easy to use ,there there if you need them or run into any difficulties and myself I find it a good card and im quite happy with all the service and protection... See more

Company replied

Rated 5 out of 5 stars
Invited

Fluid always very good on phone helping with processing problems and give a good credit balance

Company replied

Rated 5 out of 5 stars
Invited

Great Card App is so easy to use and make payments, everything you need to know is on the App ,very happy with everything from Fluid. Excellent

Company replied

Rated 5 out of 5 stars
Invited

This card is simple to use, easy to pay. Interest rates change for the better very quick when rates change. Used everywhere.

Company replied

Rated 5 out of 5 stars
Invited

Everything is easy to use. No difficulty connecting to the service.

Company replied

Rated 5 out of 5 stars
Invited

I LOVE THIS CARD IT HELPS ME PURCHASE SO MANY THINGS EASILY I LOVE ITB

Company replied

Rated 5 out of 5 stars
Invited

Just so easy to use and online app is good to understand thanks

Company replied

Rated 5 out of 5 stars
Invited

Great straight forward company. Helped me out over the time I have had the card.

Company replied

Rated 4 out of 5 stars

Apologies to Fluid. Originally I gave a low score because their promised 0% transfer was declined after opening an account. However, after phoning them, this turned out to be "because of a comma tiny... See more

Company replied

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Company details

  1. Money & Insurance

Written by the company

Are you looking for a little more time to clear your balance? Benefit from a 0% interest balance transfer period for up 9 months from account opening (3% fee), after which your standard rate will apply. Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers. Representative Example: Interest rate for purchases 34.94% P.A.(variable) with a representative 34.9% APR (variable). Assumed credit limit £1,200. The APR and credit limit applicable to your account will depend on our assessment of your application. Credit only available to 18s and over resident in the UK and subject to status. Terms and conditions apply. NewDay Limited.

Fluid Card

Written by the company


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

4K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 94% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Invited

My Card

My Card
It's very handy to have in your wallet for when you see something you like but never had the cash available at the time

October 16, 2025
Fluid logo

Reply from Fluid

Hi Alex, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan

Rated 5 out of 5 stars
Invited

Great company and very helpful

I think this is a great credit card was easy fast application.

October 16, 2025
Fluid logo

Reply from Fluid

Hi there, Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊 Best, Elan

Rated 5 out of 5 stars
Invited

Very straight forward process and easy…

Very straight forward process and easy set up

October 16, 2025
Fluid logo

Reply from Fluid

Hi Mr. Oley, Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊 Best, Elan

Rated 3 out of 5 stars
Invited

I was disappointed about the limit that…

I was disappointed about the limit that i was offered, and i need an increase the limit, other services was fine.

October 14, 2025
Fluid logo

Reply from Fluid

Hi Sargon,

I am very sorry to read that you're dissatisfied with the introductory credit limit on your account. All credit limits are subject to status, and the limit offered will depend on the information received within the application form and during a credit check. Unfortunately, we may not always be able to provide a customer’s preferred limit, however, please be assured that we regularly review our accounts to see if we can offer credit limit increases.
You can review your limit increase preferences online by signing in and going to Account Settings > Credit Limit Preferences. You can also check for any limit increase offers at any time by going to My Card > Credit Limit Increases.
If you wish to discuss this further, then please get in touch with us via our app by going to:
More > Help & Support > Contact Us > Contact Details.

Best,

Stephanie.

Rated 4 out of 5 stars
Invited

Helpful

Helpful, easy to set up

October 14, 2025
Fluid logo

Reply from Fluid

Hi Stacey,

Thank you for taking the time to leave us a kind review, we appreciate it!

Best,

Stephanie.

Rated 2 out of 5 stars

Making it harder to pay

Considering how viciously they punish you for late payments, it's a little ironic, not to say moronic, that they make it ever more difficult to pay. You can no longer use traditional online banking to send to their a/c and s/c, nor can you sign into the Fluid website or app and manually enter your bank details.

Instead, they demand you use the clever new system that launches your bank app from within the Fluid app, which is fine, EXCEPT that it only works with SOME banks, whereas the old methods worked with ALL banks, so how, pray tell, is that an improvement?

The sole, single, only option left then, is to pay by debit card, so for God sake don't lose it, or they'll rejoice in charging you a late payment fee ...

October 14, 2025
Unprompted review
Fluid logo

Reply from Fluid

Hi Shane,

I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. Please be assured that this feedback will be passed on to the relevant team.

Best,

Stephanie.

Rated 5 out of 5 stars
Invited

Great help very professional just…

Great help very professional just brilliant

October 11, 2025
Fluid logo

Reply from Fluid

Thank you for leaving a review Simon. We're happy to hear that you've had a positive experience with Fluid. Best, Audrey

Rated 5 out of 5 stars
Invited

It’s cool to used

It’s cool to used

October 11, 2025
Fluid logo

Reply from Fluid

Hello. Thank you for taking the time to leave us a review. We're excited to have you on board 😊Best, Audrey

Rated 3 out of 5 stars
Invited

Its ok

Its ok. Very easy to get the card however getting a balance transfer was another matter. They couldn't help me on the phone. Had no idea why it wasn't working even though my address was correct. In the end I just had to drawer the money off the card but now have to pay interest so defeats the object of getting the card.

October 11, 2025
Fluid logo

Reply from Fluid

Hello Sarah. I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. Please be assured that this feedback will be passed on to the relevant team. Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. Best, Audrey

Rated 5 out of 5 stars
Invited

Easy to apply for the card

Easy to apply for the card, and communication. Good app

October 10, 2025
Fluid logo

Reply from Fluid

Hello Martin. Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊. We're happy to read that you are enjoying our app and the features! Best, Audrey

Rated 5 out of 5 stars
Invited

Security

I am very impressed with how my card is put on stop whenever they believe a transaction on my card could be suspect.
This increases my confidence that the card will not be subject to misuse.
However a quick call to customer services to confirm attempted transactions are in fact genuine, and confirmation of my personal details, my card can be reinstated almost immediately. This is VERY reassuring.
In future, I intend to contact customer services prior to making any "unusual " transactions. For example, if away from home on business or holiday, I will pre warn Fluid in order that they are aware.
Fluids' security is amongst the best I have ever come across

October 9, 2025
Fluid logo

Reply from Fluid

Hi Derek, thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 Thanks, Michelle.

Rated 5 out of 5 stars
Invited

Best customer service

Excellent customer service

October 9, 2025
Fluid logo

Reply from Fluid

Hi Sultan, we do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊 Thanks, Michelle.

Rated 5 out of 5 stars
Invited

Easy to use

Easy to use , and to build you credit score back up and increase the credit once your in control you money . Excellent service .

October 9, 2025
Fluid logo

Reply from Fluid

Hi Emily, thank you so much for the lovely review! We're glad to learn that we were able to help you build your credit score. Keep up the good work 😊 Thanks, Michelle.

Rated 5 out of 5 stars
Invited

The card gives flexibility and it’s…

The card gives flexibility and it’s handy if you haven’t got any money at the time you need it

October 9, 2025
Fluid logo

Reply from Fluid

Hi Angelina, thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.

Rated 1 out of 5 stars
Invited

Super difficult to make a payment…

Super difficult to make a payment always wants to transfer you to Web browser to use login details rather than app and biometrics.

October 9, 2025
Fluid logo

Reply from Fluid

Good Afternoon,

We appreciate you taking the time to leave your review and feedback, rest assured we'll be passing this on to the relevant team.

- Kenith

Rated 5 out of 5 stars
Invited

Fast easy payments

Fast easy payments

October 9, 2025
Fluid logo

Reply from Fluid

Hi Mark, thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.

Rated 5 out of 5 stars
Invited

Easy application fkr fluid card

My application with fluid was processed quickly and easily. I have downloaded their app which is straightforward to use.

October 8, 2025
Fluid logo

Reply from Fluid

Hi Carole, Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊 best, Elan

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