AVA Finance
Earn up to 1.5% cashback at AVA Finance.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at AVA Finance with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
Ava Finance is a mobile-first credit-building platform offering a Credit Builder Mastercard and a Save & Build Credit loan designed to help members establish or improve their credit history. Ava reports on-time payments to all three major credit bureaus and targets students, gig workers, and others with thin or no credit history.
Use Fluz to maximize rewards on your Ava Finance payments. Instead of paying your Ava membership fee or Save & Build loan installment directly, buy a Fluz gift card for the amount due and use it to make your payment, earning cashback on a payment you're already making. Fluz stacks with other rewards programs, so this cashback adds on top of anything else you're earning. It's an easy way to get more value out of your credit-building routine, with cashback credited straight to your Fluz wallet.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.