• 0% on balance transfers for 16 months from the date your account is opened (2.9% handling fee). For this great rate, any balances need to be transferred within the first 90 days of your account opening*.
• 0% on money transfers for 16 months from the date your account is opened (4% handling fee). For this great rate, any money transfers need to be made within the first 90 days of your account opening*.
• 0% on card purchases for 3 months from the date your account is opened *.
• Apply with confidence – check if you are likely to be accepted before completing your application.
• Exclusive 30% off fluid travel insurance when you use your fluid card **.

Representative example 16.9% p.a. variable on card purchases. This is equivalent to 16.9% APR representative variable based on a credit limit of £1200.

* Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions.

** 30% discount applies to travel insurance policies purchased by cardholder through www.fluid.co.uk retail price of a Fluid travel insurance policy when card number is entered at the point of purchase. Discount can be used when purchasing a group or family travel insurance policy provided that the Fluid cardholder is named as the main traveller on the policy. MI Money reserves the right to vary or withdraw this offer at any time.

The Fluid Credit Card is issued by MBNA Europe Bank Limited, a Bank of America company. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA's consumer credit activities are licensed by the Office of Fair Trading and MBNA’s general insurance activities are authorised and regulated by the Financial Services Authority.

MI Money Limited trading as Fluid is a tied credit intermediary of MBNA. Registered Office: Eastcastle House, 27-28 Eastcastle Street, London W1W 8DH. Registered in England and Wales (registered no. 06967012)

Credit is available, subject to status, only to UK residents aged 18 or over. We will monitor or record some phone calls.

• Paperless statements: This account is set up with paperless statements only. To access your statements you will need to register for Online Card Services. You can manage your account easily and securely online.
• Contactless payments: You can pay quickly and securely for purchases under £15 without entering your PIN. We will send you more details with your card.
• Fraud protection: You will not be liable for fraudulent transactions online or on the high street (including Contactless transactions), providing you tell us as soon as you notice any unusual transactions, or you can't find your card.
• Want to see our rates explained?, click here for an explanation.
• No Annual Fee
• 24 hour UK based customer service helpline – wherever you are worldwide, whenever you need them, our customer satisfaction representatives are just a phone call away.

Apply with Confidence is a technical breakthrough that can save your time and your credit rating. It's only currently available with the fluid card. Start your application and we use a unique credit rating technology to pre-check your likelihood of acceptance for a fluid credit card before you complete your full application and without affecting your credit rating.

If it looks likely that you would be accepted, you can go on to complete your fluid application with confidence that your application is highly likely to be accepted. The full application will take a few more minutes and you should get an instant reponse.

If it doesn't look like you'll be accepted, you're saved the time of making a full application and the potential harm to your credit rating of a failed application. Instead, we'll use your rating and product acceptance criteria to suggest alternative products that do match.

fluid is the first in a range of great value, internet-only products. To get it right, we've started from scratch. We've designed our site, product and service to fit. We've used the very best technology and taken time to find just the right people. Most of all, we've stripped away the things we don't think anyone needs in the internet era and kept those that matter. By cutting out waste, we're able to pass savings on to you with a competitively priced product with additional features included as standard.

The fluid Credit Card is promoted by MI Money Limited, part of the Media Ingenuity Group, and is issued by MBNA Europe Bank Limited, the largest credit card lender in Europe. Media Ingenuity is a leading online marketing and technology group, specialising in financial services intermediation.