How to Apply for the Fluid Credit Card: Full Guide with Extra Benefits & FAQ

Here's everything you need to know about applying for the Fluid Mastercard, a reliable credit card to rebuild your credit

The Fluid Credit Card is gaining popularity in the UK as a practical solution for consumers with less-than-perfect credit scores. While many websites simply repeat basic facts like the APR or annual fee (or lack thereof), few truly explore the underrated features and real application process.

In this in-depth guide, we’ll walk you through exclusive advantages, eligibility conditions, answers to the most common questions, and the easiest way to apply today — all optimized for users who want to take action fast.

Additional Benefits of the Fluid Credit Card You May Not Know

Beyond the standard advantages covered in our main review, Fluid offers some unique, under-reported perks that truly set it apart:

1. Free Access to Your Credit Report

Most cards advertise “credit building,” but few give you access to tools that let you track progress. Fluid users get free access to their credit score via ClearScore integration, updated monthly — ideal for monitoring changes and identifying what impacts your rating.

2. Soft Eligibility Checker

Before applying, you can use Fluid’s soft search tool to pre-check your eligibility with zero impact on your credit score. This increases confidence for users who fear rejection and further credit damage.

3. Credit Limit Reviews Every 4 Months

Fluid reviews your usage every 4 months, not annually like many providers. This gives you multiple chances per year to access a higher limit — a key factor in lowering your credit utilization ratio and improving your score.

4. Secure Online Management + Contactless Payments

Fluid cards come with real-time fraud monitoring, Apple Pay & Google Pay compatibility, and contactless spending — positioning it well among best UK contactless credit cards.

Who Can Apply? Fluid Credit Card Eligibility Requirements

Before applying, you’ll need to make sure you meet these core prerequisites:

• ✅ Be a UK resident aged 18 or over
• ✅ Not currently declared bankrupt or in an IVA
• ✅ Not already holding a NewDay-issued credit product
• ✅ Have a UK bank account
• ✅ Have some recent credit history (even if poor)

💡 Pro Tip: Users with active credit issues like CCJs within the last 12 months may struggle to get approved — however, some have reported success after maintaining stable income and utility bill payments for 6+ months.

Frequently Asked Questions (FAQ)

❓Is the Fluid Credit Card good for bad credit?
Yes, it’s one of the top-rated credit cards for bad credit UK. It’s designed to help users improve their credit scores responsibly.

❓Does Fluid charge foreign transaction fees?
Yes — a non-sterling transaction fee of 2.95% applies, so it’s not ideal for travel use abroad.

❓How soon will I get my card?
Approved applicants typically receive their card within 7 working days after signing the agreement.

❓Does applying affect my credit score?
No, using the soft eligibility checker won’t affect your score. However, completing a full application will result in a hard credit search.

❓Can I manage my account online or via an app?
Yes. The Fluid mobile app allows you to track spending, set alerts, make payments, and view your credit score on the go.

📝 How to Apply for the Fluid Credit Card: Step-by-Step (2025)

Applying for the Fluid card is simple, fast, and optimized for mobile:

Step 1: Go to the Official Fluid Website

Visit the official website, indicated at the end of this text.

Step 2: Use the Eligibility Checker

Click “Check Your Eligibility” to run a soft search. You’ll enter:

• Name and address
• Employment status
• Monthly income
• Existing financial commitments

Step 3: Review Your Approval Odds

The system will show if you’re likely, possible, or unlikely to be accepted — and the credit limit range you may receive.

Step 4: Submit Your Application

If pre-approved, you can proceed to a full application. This triggers a hard search and requires:

• Bank account info
• National Insurance number
• Verification of income

Step 5: Receive a Decision Instantly

Most applicants receive a decision within 60 seconds. If accepted, you can sign your agreement digitally.

Step 6: Receive and Activate Your Card

Your card will arrive by post within 5–7 days. Activate it via the Fluid app or by phone.

🎯 Final Thoughts: Is Fluid Right for You?

If you’re looking for a cost-effective, reliable, and strategic way to rebuild your credit score, the Fluid Credit Card offers one of the best packages in the UK. It combines fee-free simplicity with tools to actively help you understand and manage your credit.

Don’t just fix your score. Build your future.
👉 Apply for the Fluid Credit Card today and start your credit journey with confidence.

CREDIT CARD

FLUID

NO ANNUAL FEE SOFT ELIGIBILITY CHECKER

APPLY NOW Upon clicking you will be redirected to a new website