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.